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Factoring could fill the gap between longer deferred payments agreed with your clients and shorter deferred payments towards your suppliers.

It can help you manage better your trade receivables.

Factoring can protect your receivables against default or non-payment of your customers.

It can further discipline your clients in terms of complying with the agreed payment conditions. For more information please check our product & solutions page or contact us.

  • Manufacturers, whole traders, merchandisers, service oriented companies, etc.
  • Companies that work/are willing to work on open account payment terms with their customers.

Buyers need to be reliable clients with regular business with the seller, to be in a good financial state and to agree to be included in a factoring agreement.

No, we simply need a reliable proof of regular business relations with your client.

You can apply for factoring agreement for debtors located in all the countries where a member of FCI is present; currently the FCI network covers more than 70 countries. For more information, please visit:

You don’t have to! One of the key advantages of factoring is that you don’t provide any sort of guarantee except of the transferred receivables.

Your customer has no other obligation than paying according to the agreed deferred payment period to our bank account rather than yours.

The longest differed payment period that factoring can be applicable to is 120 days.

No, since there are no real receivables occurring.

No, all invoices should reflect the real and exact amount of service delivered to the buyer.

No. The main goal of factoring is to help you boost your business which could be achieved by solid business relations with your clients. Covering bad debts will not help you achieve that.

No, under factoring agreement you have to assign all invoices to the factor. This way the factor will be able to successfully provide you benefits of factoring.

No, the receivables must not be transferred to anyone.

No, all invoices should be recently issued and without any overdues.

Definitely doesn’t. Assigning of receivables between the factor and the borrower is a standard practice in the business world. It’s also a sign that the company is managed in line with the best business manners – it’s very cautious about its receivables and plans its cash flow very accurately.