• Factoring

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

Without worry

Let Factoring KB handle administration and collection of your receivables.


Protect yourself against insolvency of customers.


Factoring works to your company’s competitive advantage.


Receive up to 70 to 90% of the financed receivables.

Why KB?

Do not wait

We will provide you with quick access to funds.


Team up with us and offer better commercial terms to your customers.


You can monitor status of the receivables online.

How to get this product?

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Intended for

Companies and sole traders with repeat business from stable customer base.

Scope of funding

Receive up to 70 to 90% of the financed receivables from KB.

About Factoring

  • Factoring is financing of trade receivables which offers protection against customers’ insolvency
  • We offer to collect short-term receivables with maturity of up to 90 days
  • The standard amount of advance is between 70 and 90% of invoiced amount, in exceptional cases up to 100%
  • You may draw on funds based on the total amount of receivables pledged
  • You can offer  your customers with competitive credit terms of business
  • You should select at least three domestic and/or foreign customers with total annual turnover of no less than CZK 10 million for the purpose of factoring

You might also like to know

Factoring allows:

  • We offer an option of electronic communication with factoring company
    • You can assign invoices to us online
    • You can monitor the status of receivables in real time
    • You will receive bank’s  invoices for services (commissions, interest, fees)
  • Gain immediate access to funds
    • Will improve liquidity
    • The financing is flexible based on the volume of receivables pledged
    • Receive payments immediately after you deliver goods or provide the service
    • Factoring is equivalent to short-term loan
    • Payments that are received up to 60 days after maturity will reported to you; however, no sanction fees or penalties are charged
    • You do not have to handle the collection of receivables
  • Become more competitive
    • With factoring, you can offer the following credit terms to your customers
      • Standard – up to 90 days
      • Exceptional – up to 120 days
    • You can offer open trading account to your business partners
    • You do not have to apply for letter of credit but you still receive protection against its customers’ insolvency
    • You only need a commercial contract and standard documents relating to delivery of goods and services
  • Costs of factoring
    • One-off factoring fee and interest on pre-financing are charged for factoring services
    • Portion of costs of factoring can be included in prices of deliveries
    • Factoring is equivalent to offering Supplier credit

Important information for you:

  • Factoring is not suitable for:
    • Receivables which cannot be freely assigned Receivables that are pledged to third parties
    • Receivables that arise from reciprocal performance arrangements
    • Intercompany receivables and receivables from related parties