Growing Business for the best factoring Invoices Right Here

Factoring is a process that allows a company to find short-term financing. It consists for the company to obtain anticipated cash expected from a debt held on another company, via a specialized credit institution (factoring company or, in English, “factor”). For example, if a company A has sold a product to a company B, which has two months to settle its debt, the company can cash the sum more quickly from the factoring company, obviously with a commission paid to that company.

Debt recovery

The receivable is thus sold to the factoring company which will be responsible for recovering it from Company B. Long considered a practice of last resort for companies in difficulty, factoring tends to become an outsourcing practice more widespread. For the factoring invoices it is important.

Factoring or factoring is a financial mechanism by which the company transfers its unpaid invoices to the factor that makes available – together or separately – the following services:

  • invoice management (‘pay as paid’)
  • the financing of invoices
  • recovery of unpaid debts (amicable, mediated or judicial)

Non-payment risk coverage (credit insurance)

It allows the company to finance the payment deadlines granted to its customers.

The main features

Factoring can be:

Managed (in delegated management) or unmanaged: the factor manages the payment reminders (phone, mail…)

Notified or not notified (confidential): the debtors of the company are clearly informed that its factor is subrogated in its rights and that the payments must be addressed to him

With or without recourse: the company does or does not exercise its right of recourse, either by itself or through its credit insurer. The abandonment of recourse by the company allows the factor to exercise this right itself, either directly or through the credit insurer.

The different factoring solutions

  • Full Factoring (Global factoring)
  • Full Factoring (Global factoring) includes both invoice management, financing, collection and non-payment risk coverage (non-recourse)
  • Bulk Factoring (Invoice Discounting System) or Factoring on Balance

Bulk Factoring or Balance Factoring is used to finance the balance of the customer balance, ie the sum of the invoices over a given period without changing the way of invoicing or the relationship with the customer. It does not include invoice management


  • Quick financing (24 / 48h)
  • Financing adapted to seasonal cycles
  • An improvement in cash and working capital (DSO or DPM)
  • Services accessible to all business profiles: TPE, SME and GE
  • Services available nationally and internationally
  • The possibility of a partial or total outsourcing of “Credit Management”
  • A management quality of claims recognized by companies specialized in
  • credit insurance, giving access to preferential rates, or even exclusive products
  • Outsourcing partner providers of out-of-bank banking, leaving all banks free to negotiate

The benefits of a specialized factoring broker

Our collaboration with independent banking network factors will give you greater flexibility to negotiate other financial commitments with your traditional financial partner.

True Business Development Options With the Net Working Capital Now

This is the difference between the total turnover assets and short-term liabilities of the enterprise. Net working capital represents that part of the current assets, which is financed by long-term financial resources, both own and borrowed (for example, bank loans or debentures, bonds). You will also need to know what is net working capital.

Calculation and analysis of net working capital (working capital) is made in the program in the block Current financial needs of the enterprise.

  • Net working capital formula
  • Net working capital = Current assets – Current liabilities
  • Net working capital management

Management of working capital is a set of operational actions and decisions:

  • Monitoring the level of current assets (this includes cash assets, although they have no direct relation to working capital);
  • Observance of the established proportions between short-term and long-term loans used to finance current assets;
  • Maintaining the optimal level of investment in each type of current assets;
  • Search and formation of specific sources of credit, optimization of the level and structure of current liabilities;
  • Reduction of accounts payable;
  • Maintenance of continuous liquidity of the company and creation of conditions for its sustainable development;
  • the balance of cash flows ;
  • Forecasting, budgeting and constant monitoring of cash flows.

Net working capital is a “financial cushion” for the urgent repayment of all or most of the company’s short-term liabilities, and the continuation of the work, albeit to a lesser extent.



  • working capital,
  • equity,
  • main capital,
  • capital of the enterprise,
  • borrowed capital,
  • cost of capital,
  • capital structure,
  • Extra capital,
  • invested capital,
  • Invested capital.
  • Working capital, net current assets

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The risk decreases. The maximum value of net working capital can theoretically reach in the event that there is no short-term accounts payable.

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