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Smart-Factoring

Our product for SME

As a medium-sized business owner, you want to respond quickly to market conditions and to focus on your core business in order to offer your customers always top products and best services. Important areas such as finance, management and hedging purposes are then sometimes no longer devoted the necessary attention. Smart -Factoring by BNP Paribas Factor provides a remedy here. You get fast liquidity, security against bad debts and support for trade receivables management.

Your advantages at a glance

  • A specially tailored to the SME prozess
  • Liquidity in line with turnover through immediate payment of up to 90% of receivables
  • 100% risk coverage
  • Competitive advantage through rapid action on the market
  • Selection Factoring possible
  • Debtors concentration of 100% possible
  • Dunning and debt collection including legal prosecution in Germany and abroad
  • Management of your debtors and open receivables as well as payment assignment
  • A recognized and innovative financing alternative for the financing mix
  • Greater independence from the bank (Basel III regulation)
  • Cession of existing trade credit insurance possible
  • Improved equity ratio through the sale of receivables as a result of possible reduction of balance sheet → higher rating (Basel II)
Directly to products                               

THE SMART SOLUTION

Empower your business with Smart -Factoring. While you concentrate on your core business, we will give you security and service. Advantages: We quickly provide liquidity, protection against bad debts and assistance in credit management. In the field of short-term corporate finance Smart -Factoring is the holistic solution. What you can expect from us: Immediate payment of up to 90 percent of the total receivables by BNP Paribas Factor. This means that you are directly liquid and can safely plan and economies. The balance of 10 percent remains with us as a collateral security until your customer has paid the invoice. At the same time you are protected against insolvent debtors by the 100 percent risk coverage.

More Benefits: You will receive a complete service solution.  You are relieved of many cumbersome and costly administrative tasks.  In the context of Smart- Factoring BNP Paribas Factor assumes the accounting, dunning and collection, including legal prosecution in Germany and abroad, for you. Smart- Factoring stabilized funding base, makes you less dependent on banks. It can be implemented as a Full-Service-Factoring or an open Inhouse –Factoring  depending on sales and organizational preparation.

Administrative service:                                                                                                                          Management of your debtors and open receivables as well as payment assignment

Credit management:                                                                                                                                        Dunning and debt collection including legal prosecution in Germany and abroad

Risk coverage:                                                                                                                                                100 %

Financing:                                                                                                                                                                                               up to 90 % of receivables

Cession of existing trade credit insurance possible