Nonrecourse Factoring: Full License

ASSET management

Areas of intervention

Receivables vs Customers

Need for liquidity


Risk reduction


BPER Factor acquires the receivables claimed by a company, generally applying a trade discount formula.
Through this definitive sale therefore, the company transfers any risk related to the receivables to BPER Factor and can remove them from its assets balance sheet improving its business ratios.
By applying the maturity value formula, BPER Factor can grant a further payment extension to the assigned debtors.

Product Purpose


Reduce the risk of a failure to collect on your receivables.


Immediatly liquidate your receivables.


Remove receivables from your assets balance sheet improving your ratios.


The factoring service has two main expenses (in addition to miscellaneous expenses): an interest rate and a Factoring commission, which, in the case of nonrecourse factoring with a full license, are normally withheld from the receivables' value by applying a trade discount formula.

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BPER Factor - Nonrecourse Factoring: Full License
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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 Offer valid until 31/12/25 unless extended or early closure.