Securing liquidity
If a company transfers receivables to a factor, the account already shows higher liquidity within a few working days.
All working capital management services include
bundled in one place and orchestrated by finbc.
Alternative financing options such as factoring
with and without framework agreements or direct peer-to-peer loans.
Simple and seamless integration
into existing systems of all customers and partners.
Fully digital, integrated processes
without system breaks from invoice dispatch to receipt of money.
With factoring, you sell your receivable to a partner and immediately receive the invoice amount less an agreed fee. The customer now pays the partner on the due date. The partner also assumes the default risk and further steps if your customer does not pay on time or does not pay at all.
If a company transfers receivables to a factor, the account already shows higher liquidity within a few working days.
The advantages also include checking the creditworthiness of your customers. In this way, you can protect yourself against payment defaults and increase your loyalty to solvent customers.
The balance sheet total decreased due to the sale of receivables on the assets and liabilities side. They reduce receivables and increase liquidity.
By taking over receivables management in full-service factoring, your employees no longer have to worry about dunning or debt collection.
The higher liquidity means that you can spare the exhaustion of the credit line and thus lower the costs for interest on borrowed capital and increase the equity ratio.
The own rating becomes better, since there are only a few open receivables in the balance sheet. The improved equity ratio also has a positive effect on valuations.
Factoring makes it possible to offer new customers longer payment terms without having to forego liquidity.
Thanks to the liquidity gained, you are now in a position to take advantage of discounts from your suppliers and thus reduce procurement costs.
With finbc Multi-Step-Factoring©, you can achieve a particularly high factoring quota through a step-by-step combination of factoring with and without a framework agreement. All receivables that were not purchased in the course of the framework agreement are automatically offered to other providers on request. Your advantage: You can distribute your receivables among several factoring providers and thus achieve higher quotas and maintain your flexibility. And best of all, you can control everything from a single platform. No connection of several systems is necessary. No time-consuming reconciliations, but full transparency and control. Simply at the push of a button.
Increase your efficiency
Digitization of your financial transaction processes and measures to secure liquidity directly from the day-to-day business
Lower your costs
Costs of invoice management can be reduced by 60 – 80%.
Minimize financial risks
Forward-looking financial management and timely safeguarding of liquidity ensure stability and crisis resistance.
Finbc GmbH
Nieder-Olmer-Str. 17
55270 Essenheim
contact: info@finbc.de
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