Experience the multiple benefits of our services at the same time

Immediate liquidity in line with turnover by means of

• instant payment of the purchase price
• dynamic company financing that matches the growth of your turnover
• use of possibilities for discounts when purchasing goods
• possibility for achieving better purchasing conditions
• providing your customers with longer deadlines for payment (competitive advantage) without tying up your liquidity in receivables

Profit and planning security by means of

• guaranteed payment of the purchase price
• extensive protection against bad debt loss (up to 100%)
• predictable cash flow in revolving business
• secure financial scheduling and financial flexibility
• credit rating check for your new customers (domestic and international)
• fast granting of limits for ad hoc decisions regarding delivery
• reduction of reserves, thereby easing the strain on your balance results
• advantage of extra information through arvato infoscore's existing partner network

Cost reduction by means of

• lower processing and administrative costs in the accounts receivable department
• variabilisation of fixed costs
• savings on material costs
• reduced protection against risks

Optimising the balance sheet structure by means of

• increasing the equity ratio

Be able to plan your cash flow

Repeat purchase of receivables allows you to plan your cash flow over the entire duration of the contract. Since we are taking on 100% of your credit risk, you will be able to significantly reduce your risk management costs.

Factoring significantly reduces the number of uncertainties when planning your returns, ensures stable cash flow and reduces external and internal collection costs. This also improves your balance sheet, an important factor in terms of Basle II regulations.

Reduce your fixed costs

In-house collection departments and complex collection processes are costly. By handing over your receivables to a collection company or selling outstanding debts, you can significantly reduce the fixed costs incurred in accounts receivable accounting. This means increased transparency when assessing risk in the entire receivables management process, and allows you to concentrate your resources and capacities on your core business and positioning in the market.

Through our innovative refinancing structure we provide additional support and are able to support you as a strong and efficient partner.

The combination of global core competencies within arvato infoscore means we can also provide you with innovative solutions along the entire risk management process chain, thereby minimising your risk. If you are looking for attractive models to secure regular returns, arvato infoscore is the right partner for you. You can rely on our expertise and experience!

BFS finance GmbH is a member of the Verein für Credit Management e.V. (credit management association) which, with over 200 members, is the largest representative non-company association for receivables and credit managers in Germany.

Furthermore, BFS finance GmbH is also a member of the Deutscher Factoring-Verband e.V. (German Factoring Association). At present, 21 factoring suppliers are members of the Deutscher Factoring-Verband e.V.. According to the association's estimates, they represent more than 95 % of the German factoring market.