Factoring
Immediate liquidity through the sale of outstanding receivables

Factoring is the Sale of outstanding receivables from deliveries of goods or services to a factoring institution. This institution assumes pre-financing, accounts receivable management, and—depending on the model—also the risk of payment default.

There are various forms of factoring, including:

• Real factoring (with del credere): The factor assumes the risk of default.
• Non-genuine factoring: The risk of default remains with the company.
• Silent factoring: The customer is not informed about the sale of the receivables.
• In-house factoring: Accounts receivable management remains with the company.

Factoring is particularly suitable for:

• Companies with long payment terms (e.g. 30–90 days)
• Growth companies with increasing receivables
• SMEs that want to relieve or expand their bank lines
• Industries with regular invoicing (e.g. trade, manufacturing, services)

• Immediate liquidity – regardless of your customers’ payment terms
• Improvement of the equity ratio and creditworthiness
• Protection against payment defaults (with real factoring)
• Professionalization of receivables management
• Time and cost savings in accounting
• Growth financing without bank loans

The appropriate factoring model is selected based on the individual business model – independently, transparently, and on equal terms. This includes analyzing existing processes, comparing offers from leading factoring companies, and providing support during implementation.

Overview of services:

• Checking the suitability of factoring for your company
• Selection and comparison of suitable providers
• Integration into your accounting and ERP system
• Analysis of costs, benefits and balance sheet impact

Conclusion: Factoring is much more than just a liquidity instrument – it is a strategic tool to stabilize and accelerate your cash flow.