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You can reach our head office on +49 421 3293 0 or fill out the following form:

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By submitting this form, you accept that all data provided by you will be raised and stored electronically. Your personal data will be used strictly for the purpose intended and only for processing your inquiry, for example, by email. For further information please read the privacy statement.

Overview

Headquarters
  • Hansator 17
    28217 Bremen
    Germany
  • +49 421 3293-0
  • Locaton: Ratingen
    Kreuzerkamp 7-11
    40878 Ratingen
    Germany
  • +49 2102 3081-0
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  • +49 2102 3081-152
  • Customer service


     
  • +49 2102 3081-198
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  • Deutsche Factoring Bank
    GmbH & Co. KG
    Postfach 10 63 60
    28063 Bremen
    Germany
  • +49 421 3293-180
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Home / Solutions / Commercial and smaller corporate Companies
The picture shows a young woman and a young man in business attire.
Image source: AdobeStock, NDABCREATIVITY

More time for the business

S-Compact-Factoring: a new level of flexibility

They are the backbone of our economy and contribute significantly to growth: small and medium-sized enterprises (SMEs) in Germany. Nevertheless, many of these companies face major challenges, primarily in ensuring sufficient liquidity. Our factoring product S-Compact is specifically tailored to these needs.

Secures liquidity for SMEs

Factoring has thus become an important financing option for companies in recent years. This flexible form of corporate financing makes it possible to generate liquidity immediately by selling outstanding receivables from customers.

Take advantage of market opportunities

Companies are able to respond quickly to financial bottlenecks. Flexible action and the exploitation of market opportunities are the positive consequences of converting outstanding receivables into immediate liquidity. The ability to adapt to the individual requirements of SMEs is the decisive advantage of ‘S-Compact’!

The picture shows a smiling woman with long blonde hair wearing a suit.
Image source: iStock, Nicolas Hansen

Factoring explained simply.+

Factoring – for versatile financing

Factoring is a flexible financial service that is increasingly being used by medium-sized companies in industry, trade and the service sector. As Deutsche Factoring Bank, we purchase receivables from our customers' deliveries of goods and services. We buy the receivables from their customers (debtors) and pay the agreed purchase price immediately.
 
Compared to bank loans, factoring offers our customers short-term sales financing and 100% protection against bad debts. This is made possible by professional debtor and risk management. It is precisely these two services that clearly distinguish factoring from conventional bank loans.


 

How does factoring work?+

Basic factoring process

1. An invoice is issued for the delivery/service.
2. The invoice is submitted to the factor.
3. The factor finances the invoice in advance...
4. and receives payment for the invoice.
5. If payment is not received, the factor takes over the reminder and collection process as well as legal proceedings.


Factoring is the ongoing sale of all or selected receivables from goods deliveries, services, projects or commercial transactions to a factor.

This sale of receivables from deliveries and services serves as short-term sales financing and as reliable protection against bad debts.

As a receivables purchaser, Deutsche Factoring Bank supports companies in maintaining their financial flexibility.

How does Factoring benefit my Company?+

Liquidity
Immediate financing of receivables to take advantage of purchasing benefits (discounts and rebates)
Improvement of competitive position by offering flexible payment terms
Financing during periods of strong sales growth

Security
Full protection against bad debts
Continuous credit assessment of debtors

Relief/Service
Takeover of accounts receivable accounting, including dunning, debt collection and legal action

Is my company suitable for factoring?+

Requirements

My company...
is in the manufacturing, trade or service sector
supplies commercial customers with a maximum payment term of 90 days
issues invoices for services rendered in full
Are all requirements met?

Solutions

My company...
wants to protect itself against bad debts and save on administrative costs for reminders and debt collection
has increased financial requirements due to rapid sales growth
wants to place accounts receivable management in professional hands
has increasing liquidity requirements and wants to take advantage of discount opportunities

Contact us now and benefit from factoring from Deutsche Factoring Bank

Our solution: S-Compact-Factoring+

S-Compact is a special product for commercial and small business customers in the manufacturing, trade and service sectors.

S-Compact factoring offers advantages
Low requirements for accounts receivable accounting
Invoice transfer of PDF files without an IT interface
Simplified application review and fast implementation

Is the S-Compact product not right for your company?
Find out more about our other products here

Do you have any further questions?+

Got any more questions?
We definitely have the right answers.

Feel free to email us directly at
  vertrieb@deutsche-factoring.de

Or by phone
+49 2102 3081-198