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Factoring - Banco Sabadell

Your credits in expert hands

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Discover the factoring modalities available
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What is factoring?

Get financing from your invoices

 Factoring allows you, through different modalities, and by transferring your company's collection rights to Banco Sabadell:
  • To get financing.
  • To transfer the management of invoice collection, thus reducing administrative management costs.
  • To have coverage against the possible insolvency of your debtors when contracting the non-recourse factoring modality or with coverage.
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International Business

National sales and exports

 With factoring you can manage any type of operation, both national and international, with the same modalities, advantages and expertise of Banco Sabadell. Make an appointment
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Modalities

Choose the factoring that best suits your company

 We offer you various types of factoring with different levels of coverage. Learn about its features and decide which one best suits your needs: factoring without recourse, factoring with recourse or factoring with coverage.

And to all this, add the possibility of managing collection of your invoices through Banco Sabadell. Find out more
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Factoring modalities with Banco Sabadell

Non-recourse factoring
  • Agile financing, after studying the debtors.
  • With total or partial insolvency coverage of debtors.
  • Compensation in case of non-payment up to 100% of the invoice amount.
  • It allows you to keep your client portfolio healthy.
  • Simplification and savings of administrative costs in invoice management, if invoice collection management has been transferred to Banco Sabadell.
  • Improvement of balance sheet ratios.

Recourse factoring
  • Financing of working capital in an agile way.
  • Possibility of invoice collection management by Banco Sabadell, with savings in administrative costs derived from billing management.
  • There is no insolvency coverage for debtors.

Factoring with coverage
  • Factoring without recourse based on the subrogation of collection rights of your own credit insurance policy.
  • Financing from the invoice.
  • Improvement of balance sheet ratios.
  • Simplification and savings of administrative costs in invoice management, if invoice collection management has been transferred to Banco Sabadell.
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Advantages

Improve your company's financial ratios
  • Factoring offers you financing and insolvency coverage for your debtors, improving your company's balance sheet ratios.
  • Savings in administrative costs, if the Bank is in charge of managing the collection of invoices from the debtor.
  • We have an agile operation with BS Online Empresa.
  • The solutions are applicable for both national sales and exports.
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 Immediately make credits and transactions with deferred payment effective, in the medium and long term, and improve the company's balance sheet and its solvency ratios. 
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Figures that speak for themselves

Online banking for companies, self-employed and businesses
With Banco Sabadell, carry out your day-to-day transactions in complete security through the channel of your choice.
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BusinessFinancing Factoring