The specialised companies in the arvato infoscore Group offer you classical factoring solutions (full-service and in-house factoring) as well as the central regulation of purchasing co-ops, associations and franchise companies and the accounting for service providers and cost units in the health care market. For more information, please visit www.bfs-finance.de.

Furthermore, as one of the few companies on the German market, arvato infoscore's know-how focuses on the purchase of defaulted debts owed by private customers (B2C factoring).

Irrespective of factoring, we are also pleased to advise you on all matters relating to the assessment of receivables and, optionally, also provide assistance with outsourcing strategies.

Full-service factoring

Our full-service solution is especially suitable for companies with a sales volume of > 2 million euros which, apart from immediate liquidity, are also looking for assistance with their debtor management as well as reminders and collections. We can take over the financing of your receivables and del credere insurance, and also your entire debtor management. Extensive information and data management will assist you in achieving optimal control of your customer relationships. Apart from considerably less administration effort, this also gives you further advantages: it has been proven that dealing professionally with debtors has a positive influence on the payment behaviour of your debtors, while at the same time reducing your cost structure in accounts receivable.

In-house factoring

If your company already has a professionally drawn up accounts receivable and risk management and you carry out the necessary controlling, then your solution is called in-house factoring. This kind of factoring means that debtor management, including reminders, is operated from inside your company. Factorisation is possible either as an undisclosed or an absolute assignment of accounts receivable. Therefore, by option, communications with your customers are not affected in any way whatsoever. The target group for in-house factoring are larger, medium-sized companies with commercial customers, both domestic and foreign, and a sales volume of at least 15.0 mil euros.

Central regulation

In the case of central regulation, we carry out clearing for cooperations from a central location and secure the traffic of goods between members of the cooperation and their suppliers by taking over the risk of bad debt loss possibly caused by the members. In this way, we offer purchasing associations, cooperations and franchise systems the necessary entrepreneurial scope to meet the increasing demands from members/franchisees as well as the changes in economic structures. We create multilevel, individual solutions for you, providing you with assistance in central regulation or factoring.

Health care

Within the scope of the Health Care sector, we provide service providers and costs units in the health care market with customised solutions for credit standard checks, accounts receivable management, payment transactions, financing and collections. Apart from individual approaches for individual participants in the market, such as the customer-specific assumption of clearing processes for operators of hospitals and nursing homes or health insurance funds, this also includes the development and operations of benchmarks.

B2C factoring

By purchasing defaulted private customer debts, arvato infoscore offers you a modern alternative or supplement to the classic collection of payment defaults, which serves to improve your results.

We use our many years of experience in the receivables management corporate sector to carry out a statistical evaluation of your receivables. Using comparative analyses based on historical evaluations, we calculate the likelihood of repayment of your bad customer debts and draw up a tailored and individual offer with a guaranteed purchase price.

We can offer you

• a one-off purchase of your bad debts or
• revolving purchases of bad debts as they arise.

Sector-specific and customized factoring solutions

Your debt collection will profit from the professionalism, efficiency and size of the arvato infoscore collection companies. With managed consumer receivables of approximately € 5.7 billion, your company can benefit from highly qualified employees, extensive expertise and experience with large data pools and financing volumes. We continuously optimise our collection processes and offer you sector- and customer-specific solutions at a high level of service.

By cooperating with arvato infoscore, you can concentrate on your core competences, expanding your business continuously and sustainably at both a national and an international level.