title="Read the PDF brochure" aria-label="Read the PDF brochure" BPER Factor - Factoring with Recourse

Factoring with Recourse

ASSET management

Areas of intervention

Receivables vs Customers

Need for liquidity


Factoring with recourse is a mainly financial product which allows a company to obtain either additional credit facilities or alternatives to self-liquidating bank credit lines.
The operation consists of continuously transferring BPER Factor repetitive receivables derived from the supply of goods and/or services, all while maintaining the risk of debtor insolvency.
The service requires that BPER Factor be transferred all the receivables claimed by the business from a plurality of customers, be they are private or public. It is possible to take different situations into consideration based on their specific risks. There is also the possibility of an advancement for the receivables.

Product Purpose


Obtain an initial evaluation of the customers assigned to BPER Factor and monitoring of them for the entire duration of the relationship.


Request the management of payment reminders through a professional service which is shared with the supplier.


Obtain credit lines proportionate to the supply agreement and sustain the company's growth.


Transfer the administrative management of receivables, such as invoicing and collection, allowing the fixed costs associated with direct management of receivables to become variable costs.


The factoring service has two main expenses (in addition to miscellaneous expenses): an interest rate applied to any advance made and a Factoring commission applied based on the amount of transferred receivables. Its size varies based on the services used (i.e. with or without guarantee), the type of receivables (e.g. sector, payment schedule, deferral length, etc.), the operation amount, and the solvency of the parties involved.

Download the pdf version of the service

BPER Factor - Factoring with Recourse
This document is an advertisement for promotional purposes.
BPER Factor reserves the right to assess the credit standing in order to execute the transactions. For the contractual terms and conditions governing the factoring products available for the illustrated service please refer to the “Informative Sheets” at the customer’s disposal at all our Offices and on our website www.bperfactor.it. Offer valid until 31/12/25 unless extended or early closure.