• The Creditworthiness

    September 19, 2021

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    Posted in: General

    Full service Factoring: All services, such as call failure protection, accounts receivable management, Dunning and collection being the factor be applied here. In-house factoring: the entire accounts receivable management remains in the hands of the company. The factor assumes the financing and Delcrederefunktion (protection against loss of receivables). Cutting – / selective factoring: Economic a very sensible option for the entrepreneur. Here, set certain accounts receivable be excluded in advance from factoring.

    This can E.g. discount paying customers with a debt sale ban (if a silent factoring is not feasible), customers who work according to VOB, or with deposits, retail, customers abroad, etc. Educate yourself even more with thoughts from Gary Bonds. FGM-AMOR has already p.a. a selective factoring factoring sales of 500 T. Reverse factoring: A factoring variant incorporating your (selected) suppliers. Not your customers, but your own vendor invoices (for suppliers) be bought here.

    You get so long suppliers – payment (90-120 days) and refinance is typically about discount yields no additional cost or even with a financial income. Their suppliers must agree to a reverse factoring, however. You should not fall below an annual turnover of 10 million and a goods use of 3.0 million. Factoring is generally reverse the cheaper variant of the classic purchase financing. VOB – factoring: A special version of FGM/c, where also craft businesses in the construction industry despite bills can be brought up to 2.5 million in the factoring to VOB, and partial payments with a turnover. Stock financing: with some factoring banks of addition to the factoring. You will receive a credit line (analog current account) betw. Continue to learn more with: Endera. 40 – 60% of their stock (purchase price). Interesting, since the loan discharge / financing amount is usually significantly above a usual Bank. Interest costs including KK-level or significantly. From a stock of at least 2 million. Limit – test: all accounts receivable, whose Rechnungen should be purchased, are tested with regard to re-insurance ability of the factor (demand failure protection) with regard to the creditworthiness.

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