Financing quick
You turn invoices into money in 24h and collect as close as possible to the due date.
Protection at risk
Option with or without recourse and without additional guarantees, your invoices are sufficient.
Digitizationcomplete
Monitoring and usage through a 100% online Factoring platform.
Consultancy dedicated
BT specialists are at your disposal and are here to help you with dedicated solutions.
Financial protection
With factoring from BT, you have non-payment risk insurance (non-recourse factoring), meaning you eliminate losses from unrecovered receivables or bad-paying customers. And because we manage your receivables, you save on administrative expenses and personnel costs.
GRANTING CONDITIONS
Do not have a ban on issuing bank checks Do not appear with delays on loans in the Credit Risk Central Database Do not have active records in the Insolvency Proceedings Bulletin To have a business relationship with the respective partner, based on a contract or an order
you protect yourself from the risk of non-payment
Quick collections,
before the deadline
FAST HELP
1. Conclusion of the contract
- You choose the appropriate factoring type (domestic, export, import, with/without recourse).
- We establish the funding limit and commercial terms together.
- Rapid integration into the BT WEB Factoring platform for invoice submission.
2. Issuing and sending invoices
- You issue the invoice to your client (the debtor).
- Upload the invoice on the BT WEB Factoring platform
- BT checks the invoice and confirms eligibility.
3: Rapid financing
- You receive up to 90% of the invoice value in your account, in 24 hours.
- You don't need additional guarantees – the invoice is sufficient.
4: Collection and administration of receivables
- We monitor and manage the relationship with debtors.
- You have access to reports and real-time status through BT WEB Factoring.
5: Collection and final settlement
- At maturity, BT collects the amount from the debtor.
- We transfer the remaining difference to you (minus the agreed costs).
- In the case of non-recourse factoring, BT assumes the risk of non-payment.
Factoring is useful when:
- You have clients who request long payment terms.
- You have access to the limmediate liquidity through quick collection of invoices
- Digitized process through the platform BT WEB Factoring
- Do you want to increase your sales without blocking cash flow.
- You can make fast payments to suppliers and thus obtain commercial discounts
- You can gain an advantage over the competition by offering extended payment terms for customers
- You need working capital without taking on additional debt.
- Factoring offers you access to flexible financing – correlated with the volume of receivables you have to collect
- Reducing financing costs through early access to funds
- You can use the money as you need, for orders, purchases or other expenses
- Without real guarantees, no real estate or equipment are required
- You want protection against the risk of non-payment.
- Non-payment risk insurance (in case of products without recourse)
- You save time and resources by collecting and managing receivables through BT
➤ Factoring domestic with/without recourse;
➤ Factoring of export with/without recourse;
➤ Import factoring;
➤ Revers factoring. 🙂
In the case of factoring with recourse, the services provided to the Adherent by the Factor are:
➤ early payment of a percentage of the invoice amount (e.g. 80%);
➤ amicable collection;
➤ and receivables management. The risk of non-payment by the Debtor is borne by the Adherent, and in the event that the Debtor is unable to pay the amount due on the invoice, the Factor has the right of recourse (requests the initially advanced amount, e.g. 80%) against the Adherent at a date after the invoice maturity established by the Factoring Contract. 🧐
In the case of non-recourse factoring services provided to the Adherent by the Factor are:
➤ early payment of a percentage of the invoice amount (e.g. 80%);
➤ insurance of the Debtor's non-payment risk (80%-100% of the invoice value);
➤ amicable collection;
➤ and claims administration. The risk of non-payment by the Debtor is transferred to the Factor, and in the event that the Debtor is unable to pay the amount due on the invoice due to insolvency or prolonged non-payment, the Factor transfers to the Adherent the insured amount (80-100% of the invoice value) on a date after the invoice due date established by the Factoring Contract. 🙂
❗⠀Important to remember:Invoices affected by a trade dispute are not insured.
Quickly turn receivables into cash
With factoring from BT, you turn receivables into money without having to wait for payment deadlines. To focus on business, not on tracking collections.
