Nonrecourse Factoring: Standard

ASSET management

Areas of intervention

Receivables vs Customers

Need for liquidity


Risk reduction


In nonrecourse service BPER Factor assumes the risk of non-payment of the receivables claimed by a company from its customers, be they private and public.
The BPER Factor guarantee operates within the limits of a revolving credit limit previously assigned to each of the customers / debtors.
BPER Factor, at its own expense, assumes the responsibility of carrying out all the activities related to the recovery of unpaid secured receivables, both of in and out-of-court.
There is also the possibility for an advance payment of receivables. If there is no advance required, but only a guarantee of solvency, BPER Factor offers a "only guarantee" service. This service does not include communicating to the debtor about the assignment of receivables. Therefore it is the company which must directly deal with their collection. However, in the case of delayed payments (after a set period of time established for recovery purposes) the company reports them to BPER Factor.

Product Purpose


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


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.


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


Reduce the risk of a non payment on your receivables


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 assignment 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.

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BPER Factor - Nonrecourse Factoring: Standard
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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.