Fast financing
Turn your invoices into cash within 24 hours and get paid as close to the due date as possible.
Risk protection
Option with or without recourse and without additional guarantees, your invoices are sufficient.
Complete digitization
Monitoring and use via a 100% online factoring platform.
Dedicated consulting
BT specialists are at your disposal and are here to help you with dedicated solutions.
Financial protection
With BT factoring, you have non-recourse factoring, which means you eliminate losses from unrecovered receivables or bad debtors. And because we manage your receivables, you save on administrative and personnel costs.
AWARD CONDITIONS
Not being banned from writing bank checks Don't be overdue in the Credit Register Having no active entries in the Insolvency Bulletin Have a business relationship with that partner, based on a contract or an order
RAPID HELP
1. Conclusion of the contract
- Choose the right type of factoring (domestic, export, import, with/without recourse).
- We set the financing limit and commercial terms together.
- Quick integration into the BT WEB Factoring platform for sending invoices.
2. Issuing and sending invoices
- You issue the invoice to your customer (the debtor).
- Upload the invoice to the BT WEB Factoring platform
- BT checks the invoice and confirms eligibility.
3: Fast financing
- You will receive up to 90% of the invoice amount in your account within 24 hours.
- You don't need any additional guarantees – the invoice is sufficient.
4: Collection and administration of receivables
- We monitor and manage relationships with debtors.
- You have access to reports and statuses in real time through BT WEB Factoring.
5: Collection and final settlement
- At maturity, BT collects the amount from the debtor.
- We will transfer the remaining difference (minus the agreed costs) to you.
- In the case of non-recourse factoring, BT assumes the risk of non-payment.
Factoring is useful when:
- You have customers who request long payment terms.
- You have access toimmediate liquidity through rapid invoice collection.
- Digitized process through the BT WEB Factoring platform
- You want to increase your sales without blocking your cash flow.
- You can make quick payments to suppliers and thus obtain commercial discounts.
- You can gain an advantage over the competition by offering extended payment terms to customers.
- You need working capital without taking on additional debt.
- Factoring provides you with access to flexible financing—correlated with the volume of receivables you have to collect.
- Reducing financing costs by accessing funds before maturity
- You can use the money as you need it, for orders, purchases, or other expenses.
- No collateral, no real estate or equipment required
- You want protection against the risk of non-payment.
- Non-payment risk insurance (for products without recourse)
- Save time and resources by having BT collect and manage your receivables
➤ Domestic factoring with/without recourse;
➤ Export factoring with/without recourse;
➤ Import factoring;
➤ Reverse factoring. 🙂
In the case of recourse factoring, the services provided to the Adherent by the Factor are:
➤ payment of a percentage of the invoice amount (e.g., 80%) before the due date;
➤ amicable collection;
➤ and debt management. The risk of non-payment by the Debtor is borne by the Adherent, and if the Debtor is unable to pay the invoice amount, the Factor has a right of recourse (requests the amount initially advanced, e.g., 80%) against the Adherent at a date after the invoice due date established in the Factoring Agreement. 🧐
In the case of non-recourse factoring, the services provided to the Adherent by the Factor are:
➤ payment of a percentage of the invoice amount (e.g., 80%) before the due date;
➤ insurance against the risk of non-payment by the Debtor (80%-100% of the invoice value);
➤ amicable collection;
➤ and debt management. The risk of non-payment by the Debtor is transferred to the Factor, and if the Debtor is unable to pay the invoice amount due to insolvency or prolonged non-payment, the Factor transfers the insured amount (80-100% of the invoice value) to the Adherent at a date after the invoice due date established in the Factoring Agreement. 🙂
❗⠀Important to remember: Invoices affected by a commercial dispute are not insured.
Quickly turn receivables into cash
With BT factoring, you can turn your receivables into cash without waiting for payment deadlines. So you can focus on your business, not chasing payments.