Our services

Offer

Services for corporate / large and medium-sized companies

Non-recourse factoring

Purchasing and financing of factoree's receivables including assumption of the risk of insolvency of domestic and foreign buyers.

Recourse factoring

Purchasing, financing and management of the factoree's receivables without assumption of the risk of buyers' insolvency.

Reverse factoring

Financing the customer's accounts resulted in domestic and foreign trades.
 
 

Import factoring

Acquisition and financing of receivables of the factoree including the assumption of the risk of insolvency of domestic and foreign buyers.

Collection of receivables

Collection of payments from recipients on behalf of the supplier, remitting the amounts collected to the supplier.
 

Non-standard transactions

Tailored non-standard transactions to meet individual expectations and the specific nature of the company's business.
 

Non-recourse factoring

Purchasing and financing of factoree’s receivables including assumption of the risk of insolvency of domestic and foreign buyers.

Recourse factoring

Purchasing, financing and management of the factoree’s receivables without assumption of the risk of buyers’ insolvency.

Reverse factoring

Financing the customer’s accounts resulted in domestic and foreign trades.

Import factoring

Acquisition and financing of receivables of the factoree including the assumption of the risk of insolvency of domestic and foreign buyers.

Collection of receivables

Collection of payments from recipients on behalf of the supplier, remitting the amounts collected to the supplier.

Non-standard transactions

Tailored non-standard transactions to meet individual expectations and the specific nature of the company’s business.

Micro-factoring for small business

LiquidityMat
Your business power

A service for entrepreneurs who need quick and simple day-to-day financing.
 

LiquidityMat - Your business power

A service for entrepreneurs who need quick and simple day-to-day financing.

Non-recourse

Non-recourse factoring

Non-recourse factoring is the acquisition and financing of receivables of the factoree with assumption of the risk of insolvency of domestic and foreign buyers.

The Factor (Pekao Faktoring) assumes the risk of buyer insolvency up to the amount of the advance paid. This means that if the receivable is not recovered the Factor retains the advance received.

The vast majority of buyers covered by factoring make payments on time or with little delay. The effectiveness of measures to disciplines debtors is also high. This proves that with Non-recourse factoring a seller can feel trust.

The service is provided on the basis of receivables insurance with the factoree’s or Pekao Faktoring’s policy. There is the opportunity to cover up to 95% of the value of the receivables – and up to 100% in foreign trade.

Benefits for companies

Recourse

Recourse factoring

Recourse factoring is the purchasing, financing and management of factoree’s receivables of the without intercepting the risk of buyers’ insolvency.

We provide a constant flow of funds as the sales are made. After the expiry of the agreed period, the factoree will return to Pekao Faktoring the advance paid and Pekao Faktoring will be pursuing repayment from the Contractors, including conducting debt collection (in the scale agreed with the factoree).

Pekao Faktoring’s experience shows that the majority of buyers pay on time or with little delay when they are under factoring contract. They are fully aware that they are paying to Pekao Faktoring. However, this is also due to the high effectiveness of our monitoring activities and potential debt collection activities.

In terms of recourse factoring, we can finance both domestic and foreign buyers.

Benefits for companies

Reverse

Reverse factoring

Reverse factoring is the financing customer’s trade payables for goods and services in domestic and foreign trade. The payment for delivered goods is made before or on the due date of the invoice. If payment is made on the due date, we grant additional time to repay the liability.

In the use of this product, settlements are made in the sales currency, which allows us to significantly reduce the cost of such financing.

Unlike classic credit solutions, with reverse factoring we do not require tangible collateral.

Under reverse factoring, it is also possible to finance the factoree’s supplier, which allows the client to receive payment in advance for deliveries made and improves its liquidity.

Benefits for companies

Import

Import factoring

Import Factoring is based on Pekao Faktoring’s guarantee of payment for the Polish Importer. In additional, Pekao Faktoring carries out collection of receivables and settlement of payments with foreign suppliers.

The duties of the Import Factor are based on international regulations, which guarantees high quality services.

The payment guarantee for the Importer provided by Pekao Faktoring strengthens its position against a foreign supplier allows the importer to increase its turnover.

Benefits for companies

Collection

Collection of receivables

Collection of receivables is a service that involves collecting payment from buyers on behalf of the Supplier, transferring the amounts collected to the Supplier. Does the diligent records of the documents and disciplines buyers in the event of non-payment.

The service provides effective management of receivables and eliminates to a large extent the problems caused by late payment and payment gridlock.

With this service, Pekao Faktoring controls the invoice payment process, namely reacts promptly to delays by sending reminders. Pekao Faktoring compiles reports on the current status of settlements, timeliness of repayments and delays of individual buyers, sends notes and reminders.

Benefits for companies

Non-standard

Non-standard transactions

Pekao Faktoring, as an experienced Factor, carries out non-standard transactions tailored to individual expectations and the specifics of the company’s business.

The shape of the service can be based on the construction of both non-recourse and recourse, often combined with collection and monitoring function of receivables.

We have a track record of many successful solutions. We are not scared of challenges and observe every problem. Our clients appreciate our flexibility, experience and unique services.

If you are interested in any of the above services or do have an idea for some other solution, please contact us.