Use factoring as a flexible liquidity option
Factoring means that you sell your outstanding receivables from some or all of your debtors to us on a regular basis. This increases your liquidity instantly, so there's no waiting for client payments. By choosing this innovative and very flexible form of financing, you open the door to many more options, whether you are looking to make large investments or expand your business.
You can tackle three central corporate challenges in this manner:
- Covering liquidity requirements
- Managing collection risks
- Improving creditworthiness
How factoring benefits you
Our factoring solutions
We offer two optimized solutions for factoring, depending on whether your company has a credit insurance policy. Accounts receivable accounting and management remains with you no matter what.
In-house factoring
For companies without their own credit insurance. Disclosed or undisclosed assignment, i.e. with or without notification of assignment to debtor, is possible; receivables purchased help your bottom line.
In-house factoring DUAL
For companies with their own credit insurance. Disclosed or undisclosed assignment, i.e. with or without notification of assignment to debtor, is possible; receivables purchased help your bottom line and your collection risks are specifically hedged.
Requirements for the use of factoring
To help you make the most of our factoring services, you must meet the following requirements:
- You have unencumbered, freely transferrable and current receivables from the B2B sector.
- You are domiciled in Switzerland. Your debtor countries depend on insurance eligibility.
- Preferably, the agreements between you and your debtors are governed by Swiss law. Other legal systems may be approved following a review.
- The maximum payment deadline is 180 days.
- You have a daily, professional bookkeeping department and regular reminder process.
- You have a clear, fully documented billing process (if goods are delivered or services are performed before billing).
Personal consultation
Do you have questions, or would you like a consultation on our factoring solutions? Just contact your relationship manager or fill out the contact form. We look forward to meeting you.