Flexible form of trade receivables financing with optional protection against insolvency of customers.

How may we
assist you?

Let us handle the
administration and
collection of your

Quick access to funds

Receive 70 to 90% of financed receivables

Offer better commercial terms to your customers

Monitor the status of your receivables online


Companies and sole traders who supply goods or provide services to regular customers on a regular basis


  • Factoring is financing of trade receivablesoptionally with protection against customers’ insolvency
  • Administration and collection of short-term receivables with a deferred maturity of up to 90 days
  • Standard financing between 70 and 90% of invoiced amount, in exceptional cases up to 100%
  • Draw funds based on the total value of deliveries
  • With factoring, you can offer your customers more attractive commercial terms, thereby promoting the competitiveness of your company
  • Select at least three domestic and/or foreign customers with a total annual turnover of no less than CZK 10 million for the purpose of factoring

Factoring facilitates electronic communication with a factoring company, enabling online:

  • Assignment of invoices
  • Communication regarding the status of receivables
  • Receipt of invoices for services (commission, interest, fees)

Immediate access to funds

  • Improve your company’s liquidity
  • Flexible financing instrument based on the value of deliveries
  • Receive payment immediately after you deliver goods or provide services
  • Equivalent to short-term loan
  • Payments from the customer received within 60 days from maturity will be reported to the client; however, no interest as sanctions or penalties is charged
  • No need for the client to recover debts from its customers   

Higher competitiveness

  • With factoring, you can offer longer maturity to your customers, up to 90 days as a standard and 120 days in exceptional cases
  • Optional open trading account for your trade partners
  • No need to apply for a letter of credit, and  you still receive protection against your customers’ insolvency
  • Clients only need a commercial contract with customers, comprising basic information about the transaction/delivery and standard documents relating to such delivery  

Factoring costs

  • One-off factoring fee and interest on pre-financing are charged for factoring services
  • Cost of factoring can be partially included in the prices of deliveries
  • Client in fact provides its customers with supplier credit

This product is intended for companies and sole traders who supply goods or provide services to regular customers on a regular basis. 

Factoring is not suitable for:

  • Receivables that cannot be freely assigned
  • Receivables that have been pledged to third parties
  • Receivables that arise from reciprocal delivery arrangements
  • Intercompany receivables and receivables from related parties

See detailed information about Factoring KB.