How can we help you?

We manage the financing process from A to Z and advise at every financing stage. First, we review the financial status of your buyers and measure the risk of the factoring transaction so that your business avoids buyer insolvency. We administer receivables and provide access to the FAB (Finance Automation for Business) platform, where clients can monitor their financial portfolios. We look after debt management so the client can focus on business development instead of reminding debtors to pay their invoices. All of this is free when you use the Factris factoring service. Also, trade credit insurance is included in the service.

We have worked hard to make our application procedure simple and fast while simultaneously being personal.

1. First, apply by answering basic information about your company’s annual turnover, the amount of funding needed, the average time it takes for your invoices to be paid, and your company details. This is all done online.
2. After receiving the data and clarifying your business information and needs, Factris will contact you and present detailed information about your business financing options and service fees within 1 working day.
3. If the financing conditions are suitable, a Factris personal manager will submit a formal commercial offer and assist you through the application process, including processing additional information about your business and beneficial owners.

1. You are a B2B or a freelancer who works with other B2Bs
2. If your company operates for at least 6 months
3. If you achieve the minimum turnover of 50,000 EUR on an annual basis
4. Your invoices are free of pledge
5. Your company operates in one of the countries Factris is located

No. Our flexible financing lets you sell all or part of your invoices to us, as agreed with your account manager.

Factoring directly deals with the common source of a lack of working capital: unpaid invoices. It gets your invoices paid fast and easily, allowing you to receive cash flow to continue growing your business. Factoring’s flexibility allows for the right amount of working capital exactly when needed, supporting almost unlimited growth. It’s beneficial for short-term liquidity, enabling you to quickly acquire the amount you need right now.

A loan, however, often requires you to take out a maximum amount and pay interest, even if you don’t need the total amount at the time. You also have an obligation to the lender, unlike factoring, which is off the balance sheet and the factoring company’s responsibility.

In order to be able to offer the lowest possible rates for debtor and credit management services, we require an agreement. You discuss the conditions thereof with your personal account manager, who will adapt them to your specific needs.

After we have received your completed application form and processed your documents, your application will usually be assessed within just one working day.

You can submit invoices for goods and services that have had a confirmed delivery.
Have your invoices purchased for each completed business service, including completed shifts that have been shown to be completed via an underlying item (for example, a timesheet for a temporary employee or a CMR receipt for a delivered transport).

Factoring fees are determined based on the following factors:

• The volume of monthly receivables you want to invoice. Volume plays a big role in calculating factoring fees: larger monthly factoring amounts mean lower fees. Many factoring companies offer volume discounts.
• The average size of each invoice you want to invoice.
• Your industry.
• The creditworthiness of your customers.
• The time it takes your customers to pay.
• Factoring fees are calculated to put more money in your account – where it can help the most. More importantly, factoring is a relationship designed to revitalise your business. In our opinion, the services you get from a factoring company are more than proportionate to the cost.

Yes. Factris helps many SMEs—just like yours. Learn more about business success stories and achievements with Factris financing here.

If your customer doesn’t pay and there is no dispute, we’ll first work with you to collect the payment. If we fail to do so, you’re protected since the amount is insured — the cost of which is included in the fee.

If your customer does not pay and there is a dispute, we’ll contact you to see where the problem lies. Some entrepreneurs find it important to maintain the customer relationship and want to contact the customer themselves. Our debtor management is tailor-made — according to what works best for you.

Depending on your needs, we can provide up to 5 MM EUR in funding, with a maximum amount of 12 MM EUR on an annual basis. Factris has no minimum invoice amount.

No one is more customer-focused than Factris. We know what matters to businesses like yours: low costs and personal service. Many companies try to replace people from the process through automation — but not Factris. Instead, we harness automation to enhance our personal account manager’s abilities. Thanks to our cutting-edge tech tools, our team can quickly assess your factoring cases, answer all of your questions, and solve any problem you might encounter.

Other companies are also known for taking a uniform, one-size-fits-all approach to factoring. But again — not Factris. Everything about our way of financing was created with flexibility and customisation in mind, allowing you to find the perfect funding solution to keep growing your business. For example, you can decide which invoice you may or may not have purchased and which debtor you may or may not accommodate. You can also determine on which day you have an invoice purchased in order to reduce costs.