Fidelity Bank
Licensed by Bank of Ghana

Transform YourCash Flow Today

Get up to 90% of your invoice value within 24 hours. Ghana's most trusted invoice factoring platform for growing businesses.

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90%
Advance Rate
24hrs
Fast Funding
0%
Setup Fees
Pricing Simulator

Calculate Your Funding

See how much working capital you could receive for your invoices with our transparent pricing.

Our Factoring Offer

FACTORING allows you to assign receivables to the bank and benefit from:

  • Financing 80–90% of invoices upfront
  • Professional receivables administration
  • Outsourced collection services
  • Credit insurance protection

Documentary Requirements

  • Company profile & registration docs
  • Last 2 audited financial statements
  • Sample invoices to Buyers
  • Receivables aging analysis
  • Assignment of receivables

Factoring Cost Simulator

See what you could receive for your invoice

70%83%95%

Calculation Results

Invoice ValueGH₵10,000,000.00
Advance Amount (90%)GH₵9,000,000.00
Interest Rate (p.a.)25.27%
Period90 days
Interest Cost-GH₵560,786.30
Factoring Commission (0.25%)-GH₵25,000.00
Total Cost-GH₵585,786.30
Effective Cost5.86% of invoice

You Receive (Net Payable)

GH₵8,414,213.70

Receive this amount within 24 hours of invoice approval

This is a simulation based on indicative rates. Actual rates may vary based on your facility agreement, buyer creditworthiness, and invoice details. Contact us for a personalized quote.

Simple Process

4 Steps to Get Funded

Our streamlined process gets you from application to funding in as little as 24 hours.

STEP 01

Apply Online

Complete our simple online application in under 10 minutes

STEP 02

Submit Documents

Upload your invoices and business documents securely

STEP 03

Get Approved

Receive approval within 24 hours of complete submission

STEP 04

Receive Funds

Get up to 90% of invoice value deposited to your account

Start Your Application

Trusted by Businesses Across Ghana

"Fidelity's factoring platform transformed our cash flow. We now get paid within 24 hours instead of waiting 60-90 days."

KA
Kwame Asante
Asante Trading Ltd

"The platform is incredibly user-friendly and the rates are very competitive. Our business has grown 40% since we started."

AM
Akosua Mensah
Mensah Enterprises

"Excellent customer service and transparent pricing. The real-time notifications keep us informed every step of the way."

YO
Yaw Osei
Osei Construction

Ready to Transform Your Cash Flow?

Join hundreds of businesses that have improved their working capital with our innovative factoring solutions.

Get Started TodayContact Sales

Get in Touch

Have questions? Our team is here to help.

Call Us

0800 344 354

Email Us

factoring@fidelitybank.com.gh

Visit Us

Ridge Tower, Accra