Are long payment terms from your customers putting pressure on your cash flow?
Factoring allows you to receive payment for outstanding invoices immediately, without waiting for the agreed payment term. We help companies select and obtain the most suitable factoring product.
Full (Non-Recourse) Factoring
The factor purchases your receivables and takes on the full credit risk of the buyer. If the buyer fails to pay, the factor bears the loss — providing your business with maximum protection against bad debts.
Recourse Factoring
The factor advances funds against your invoices, but the credit risk remains with you. If the buyer does not pay within the agreed period, the advance must be repaid. Offers lower costs than non-recourse factoring.
Reverse Factoring
Initiated by the buyer rather than the seller. The factor pays your suppliers early on your behalf, extending your payment terms and strengthening relationships with key suppliers.
Benefits of Factoring
Factoring improves liquidity without taking on debt, accelerates the cash conversion cycle, and can be scaled with your business growth. It also transfers the administrative burden of debtor management to the factor.
Najczęściej zadawane pytania
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No. Factoring is available to businesses of all sizes, including SMEs. Some factors specialise specifically in small and medium-sized enterprises and offer flexible, scalable limits based on your turnover.
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Most factoring companies release between 80–95% of the invoice value within 24–48 hours of submission. The remaining balance, less the factor's fee, is paid once the buyer settles the invoice.
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Not necessarily. Some providers offer spot or selective factoring with no long-term commitment. We help you find the arrangement that best fits your business model and volume of receivables.