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Factoring

Debt Purchase for Immediate Liquidity

Sell Receivables, Outsource Risks, and Enhance Planning Reliability

Learn About Debt Purchase
Certified according to
DIN EN ISO 9001
Licensed under the
Legal Services Act (RDG)
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Member of the BDIU (Federal Association
of German Collection Agencies)

Debt Purchase as a Strategic Instrument

Factoring

Acquisition of Outstanding Receivables for Immediate Liquidity on a Clearly Defined Basis

Risk Transfer

Assumption of Default Risks – Fully or Partially and Predictably

Balance Sheet Relief

Improvement of Liquidity and Key Performance Indicators through the Sale of Outstanding Items

Planning Reliability

Predictable Proceeds Instead of Outstanding Receivables Through Structured Models

No two cases are alike—that’s why, at
, after a no-obligation initial consultation at
, you’ll receive a personalized quote from us.

Accounts Receivable Management with Tangible Liquidity Impact

Accounts Receivable Management with Tangible Liquidity Impact

The acquisition of outstanding receivables is more than just short-term financing. As an integral component of structured accounts receivable management, it enables the transfer of outstanding balances, risk mitigation, and cash flow stabilization. Particularly with increasing business volume, factoring provides transparency and predictability.

BID acquires receivables in a structured manner and meticulously verifies them. Companies receive immediate liquidity, while we manage the subsequent processing.

Clear Processes, Defined Risk Allocation

Clear Processes, Defined Risk Allocation

In structured debt sales by BID, processes, risks, and responsibilities are clearly defined. Factoring services are provided on a defined contractual basis; verification is structured, and disbursement is predictable. Communication and enforcement are reliable and transparent.

Request a non-binding inquiry for debt purchase

Pre-assess solvency

Business information helps to identify risks early and make informed decisions in accounts receivable management.
More about Business Information

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Contact Information
Preferred Contact Method:
Inquiry
Preferred Contact Method:
Response within 24 hours
We will contact you by phone or email within 24 hours on weekdays to jointly determine how we can best support you.
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Fundamentals & Context

What does the sale of outstanding receivables mean?

Outstanding receivables are transferred to a specialized service provider. This enables companies to promptly secure liquidity and reduce their outstanding balances.
How does receivables purchase differ from traditional factoring?
Factoring encompasses various models of receivables acquisition. Depending on the specific arrangement, default risks are assumed either fully or partially.
Why do companies utilize such models?
Companies utilize receivables sale for liquidity assurance, balance sheet optimization, and to relieve internal resources.
Is the sale of individual receivables possible?
Yes. Structured receivables purchase is not limited to ongoing receivables portfolios.
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Prerequisites & Assessment Methodology

Which receivables are suitable?
Suitable receivables are those whose valuation depends on the debtor structure, the amount of the receivable, its age, and its legal enforceability.
How is the assessment conducted?
BID systematically assesses receivables prior to contract conclusion to realistically evaluate risks and establish the basis for subsequent processing.
What role does the debtor's creditworthiness play?
The debtor's creditworthiness is a central criterion for the terms and conditions and for risk classification.
How quickly is the disbursement made?
Following assessment and contract conclusion, disbursement typically occurs promptly.
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Risk, Liability & Communication

Is the default risk transferred?
Depending on the model, the default risk is assumed either fully or partially. The precise risk allocation is contractually defined.
How does the sale impact customer relationships?
Communication is conducted objectively, professionally, and transparently, ensuring that existing customer relationships are maintained.
How transparent is Factoring for debtors?
Assignments are clearly communicated and legally implemented, ensuring that all parties involved are informed.
What happens in case of disputes?
Facts are first examined and clarified before further steps are initiated.
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Integration & Strategic Deployment

How can debt purchasing be integrated into existing processes?
Factoring can be integrated selectively or permanently into existing accounts receivable management processes.
Can the purchasing of receivables be combined with debt collection?
Yes. Unrealized receivables can be seamlessly transferred into the debt collection process and further processed.
For which company sizes is this method suitable?
The sale of receivables is suitable for small and medium-sized enterprises (SMEs) as well as for larger companies with substantial receivable volumes.
Is Factoring a permanent solution?
Factoring can be deployed both strategically long-term and situationally – depending on company structure and requirements.