• You have a need for increased liquidity
• You are growing too fast
• You are investing
• You don't want to wait 60 days for invoice collection
• You work on projects that last longer than 1 invoice
• You want to increase sales
• You want to pay your obligations before time or on time
• You need a fast and flexible solution for your cash flow
• You don't want to take on credit debt or burden your balance sheets
• You are looking for a financial partner you trust

• Factoring business is clearly defined by the Factoring Law
• Factoring companies are established based on the Decision of the Ministry of Finance
• Factoring companies are audit obligors
• Factoring companies are large legal entities
• Factoring companies are obligors under the Law on Prevention of Money Laundering and Terrorism Financing
• Supervision over the work of factoring companies is carried out by the Ministry of Finance, Administration for Prevention of Money Laundering and Terrorism Financing
• Factoring companies have the obligation of quarterly reporting to the National Bank of Serbia

No. The law clearly defines that the subject of factoring are non-matured or future, whole or partial, short-term monetary receivables.

The factoring business begins with the submission of a request by the client and simultaneously filling in the requested data in the website contact form. Invoices that would be the subject of purchase should also be attached as an appendix to the request. After that, the team processes the request and makes a financing decision.

Every company that has a good credit rating is potentially our client.

The process of creating the General Agreement itself does not take long and after credit assessment, the documentation is ready in one day. Each new Request is based on the General Agreement, which is only initially concluded, and the preparation of documentation for new invoices is done within one day.

In direct factoring, the assessment of both the Assignor (our client) and the Debtor is important. Relying on the strength of one of them depends on the size of financing and financial credibility.

The Debtor, according to the Factoring Law, must be notified of the completed sale of receivables, whereby their obligation to act accordingly comes into force. In practice, the Debtor's consent is most often sought.

If the Debtor pays the Assignor, they are not relieved of the responsibility to pay the Factor as well. However, most General factoring agreements are with the right of recourse and by activating it, the Assignor is called upon to settle the obligation.

Each day of fund engagement is charged at the daily interest rate defined by the General Agreement, which is equal to the default interest rate.

No. Approval for financing through factoring is not visible in the credit bureau.

It is not recorded as a liability, but as collection of one's receivables (although before the maturity date). The Debtor, on the maturity date of the invoice currency, pays the invoice.