Domestic Factoring
Extended payment terms, collection delays, rising financing costs, administrative expenses associated with receivables management, and the collateral requirements typically associated with traditional bank financing should not limit your growth plans.
Factoring is more than just a financing solution. It is an integrated package of services that helps reduce the administrative burden associated with receivables management while protecting your business against the risk of non-payment, all while providing rapid access to liquidity through the early financing of invoices by Ifis Finance.
Non-Recourse Factoring
Business growth requires taking calculated risks, not the risk of non-payment.
Non-recourse factoring enables you to strengthen existing business relationships or access new customers while benefiting from protection against the risk of non-payment for eligible receivables. In addition, the rapid conversion of invoices into liquidity improves cash flow predictability and supports a more efficient use of financial resources.
For many companies, the benefits go beyond operational improvements. Risk transfer can contribute to enhanced balance sheet indicators and debt optimization, freeing up financing capacity for strategic projects, investments, and growth initiatives.
Recourse Factoring
When granting extended payment terms represents a competitive advantage, maintaining a healthy cash flow and efficiently managing receivables becomes essential.
Recourse factoring enables you to receive early payment for invoices issued to customers while outsourcing receivables monitoring, follow-up, and collection activities to Ifis Finance. It is a suitable solution for commercial relationships where the risk of non-payment is considered low and the primary objective is to support sales growth, optimize cash flow, and reduce the administrative effort associated with receivables management.
Advances Against Future Receivables
In sectors characterized by long production, delivery, and delivery cycles, the need for capital arises well before commercial receivables are collected.
Through our future receivables advance facilities, structured on the basis of ongoing firm commercial contracts, Ifis Finance can support the working capital required for order execution through mechanisms linked to the assignment and collection of receivables arising from financed contracts. This provides the resources needed to carry out operations and meet contractual obligations without tying up significant liquidity for extended periods.
Benefits
Get Paid Quickly, When You Need It
Receive early payment for your invoices without putting pressure on your customers or sacrificing your commercial margins through discounts.
Security and Predictability
By transferring the risk of non-payment, you protect the value of your trade receivables and reduce the impact that a customer’s insolvency or bankruptcy could have on your business.
Grow Your Business Without Pressure
Factoring unlocks the value of commercial assets already existing within your company and can free up financing capacity for investment and growth projects.