Non-recourse factoring
The receivable passes to us together with the default risk. You are protected against bad debts.
Business area · Finance
Liquidity that creates room to manoeuvre.
Financing and factoring for companies that want to make their growth predictable.
Approach
Financing that fits the business.
Growth rarely fails for lack of good ideas. It fails because of unpaid invoices and rigid structures. We step in where liquidity makes the difference between standing still and taking the next step.
Rather than off-the-shelf products, we develop solutions built around your business model: easy to understand and on clear terms.
Liquidity is not an end in itself. It is the difference between waiting and acting.
We create the room to manoeuvre that makes entrepreneurial decisions possible again.
The basics
What factoring means.
Explained briefly, without the jargon.
You issue your invoice as usual.
The receivable passes to us, and you receive its value without waiting out the payment term.
Your customer pays on the agreed date, and we take care of the processing.
A payment term of 30, 60 or 90 days becomes available liquidity.
Services
Our building blocks.
Three ways we bring liquidity and structure to your company.
Receivables
Factoring
Outstanding receivables become available liquidity, with receivables management included depending on the model. A payment term turns back into room to manoeuvre.
Growth
Growth financing
Capital for expansion, pre-financing of goods and investment, matched to your cycle rather than to a standard template.
Organisation
Structure and advice
We put financing structures in order, create transparency and support you in talks with banks and partners.
Models
The option that fits.
Undisclosed factoring
The assignment remains invisible to your customers. The customer relationship does not change.
In-house model
Receivables management stays with you, and we provide the financing.
Which model makes sense depends on your customer mix and objectives. We assess this with you in conversation.
Consignment & settlement
The extended consignment model.
For retail, we finance the goods rather than the invoice: the stock sits with the partner, and payment is due only for what has actually been sold. Settlement runs continuously via a clearing account.
Consignment stock
The goods are held by the retail partner but remain our property until they are sold. We pre-finance the stock, so none of the partner’s own capital is tied up on their shelves.
Withdrawal at the point of sale
When the partner sells a product, they legally withdraw it from the consignment stock. Only at that moment does their payment obligation arise, not on delivery.
Net withdrawal amount in seconds
For every order, the system immediately calculates the net withdrawal amount: the value of the goods less the discount granted by the distribution company. The outstanding amount is therefore always up to date.
Settlement on the 15th of the following month
Inflows from customer sales and the cost of purchasing goods run through a clearing account. On the 15th of the following month, both sides are netted off and the balance is settled.
How it differs from classic factoring
With factoring, an existing receivable is purchased and paid out immediately. Here, the starting point is the provision of goods, and instead of an immediate payout, sales proceeds and purchases of goods are settled against each other on an ongoing basis. Economically, it is pre-financing of the product range; legally, it is a commission agency transaction.
Suitability
Is this right for your business?
A good fit if
- You invoice business customers.
- Your customer relationships are recurring.
- Payment terms noticeably tie up liquidity.
- You are growing or balancing out seasonal fluctuations.
Less suitable
- Your business is mainly with private customers.
- You work on one-off orders with no repeat business.
- You generally invoice on a prepayment basis.
Process
Four steps to a solution.
Analysis
Together, we look at your figures, cycles and requirements.
Proposal
You receive a concrete solution, costed in a way that is easy to follow.
Implementation
Contractual and operational set-up, without unnecessary back-and-forth.
Support
A dedicated contact person stays at your side.
Frequently asked questions
Good to know.
What exactly is factoring?
You sell outstanding receivables and receive their value before your customers pay. This lets you bridge payment terms without taking on additional loans.
Which companies is it suitable for?
For companies with recurring invoices to business customers that want to grow or need to balance out seasonal fluctuations.
Will my customers notice?
That depends on the model you choose. We discuss openly which option suits your customer relationships.
How does the assessment work?
Together, we look at your figures, receivables structure and requirements, then come back to you with a concrete, transparently calculated solution.
How does factoring differ from a loan?
You do not take on additional debt; instead, you convert existing receivables into liquidity. Your balance sheet does not expand as a result.
Do all invoices have to be submitted?
Not necessarily. Whether your entire receivables portfolio or only part of it is included is something we agree when designing the arrangement.
Who handles credit control?
Depending on the model, either we do or you do. Both options are possible and are agreed in advance.
What does an initial meeting cost?
Nothing. We look at your situation with no obligation and get back to you with an assessment.
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Contact
Let’s talk about your room to manoeuvre
Tell us about your situation. We will look at your figures and requirements and get back to you with a concrete assessment.