Factoring - A modern financial solution
Factoring is a modern financial solution that allows legal entities to convert invoice receivables into immediately available funds, without waiting for payment deadlines and without additional borrowing.
This form of financing contributes to improved liquidity, better control of cash flows, and more secure business planning.
Unlike traditional loans, factoring is based on financing assets – receivables – and does not increase a company's indebtedness. This provides a flexible source of working capital, adapted to the volume and dynamics of business.
Why choose factoring?
- Fast payment – up to 100% of the invoice value, depending on the type of factoring
- Reduced risk – we assume collection and the eventual risk of non-payment
- Better balance sheet – financing assets, not increasing indebtedness
- It is not a loan - it is not recorded in the Credit Bureau
- Flexibility – tailored to your needs and business volume
- Growth support - free funds for business expansion
Types of factoring
Direct factoring with regression
You gain quick access to funds, strengthen your creditworthiness, and ensure more efficient receivables management.
Advantages: lower costs, ideal for reliable partners, quick liquidity with preserved control.
Direct factoring without recourse
The bank assumes the risk of non-payment, thus ensuring greater security and stability of cash flow.
Advantages: complete protection against default and insolvency of the debtor, stable cash flow and peaceful sleep.
Reverse factoring
The bank pays the supplier, and the buyer gets extended payment terms.
Advantages: better relations with suppliers, discounts for early payment, strengthening of the supply chain.
Factoring with advance payment
We pay an advance (usually 80–90%) immediately, the rest upon collection.
Advantages: maximum liquidity from day one, flexibility in the use of funds.
Factoring with discount
We pay the full invoice amount minus the discount (fee).
Advantages: simple model, transparent costs, fast cash without advance.
Domestic factoring
For domestic claims, with fast processing and local support.
Advantages: lower costs, simple procedure, greater competitiveness on the domestic market.
International factoring
For export/import receivables, with support for foreign currencies and global partners.
Advantages: reduced currency and political risk, easier access to foreign markets and faster export growth.
