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Factoring

Factoring is a complex of services, consisting of financing and service for managing receivables.

Financing

The advantages of factoring

Привабливі умови
Attractive terms

Extension of the Customer Base Provider by providing more attractive sales conditions

Взаємовигідне партнерство
Mutually beneficial partnership

Raiffeisen Bank Aval is a client-oriented Bank and works with Debtors as with its potential customers.

Надійний супровід
Reliable support

Consulting and analytical services

Безпечність
Security

Reduction in risk of non-payment

Гнучкість
Flexibility

No security

Комплексні сервісні послуги
Comprehensive services

Receiving a complex of services for managing receivables

Збільшення обсягів продажів
Increase sales

Ability to increase sales and plan cash flows

Гарантії
Guarantees

Repayment of debt factoring in cash received from Customers (Debtors)

Products factoring

Factoring with recourse

Factoring, under which the risk of non-payment by the debtor cash liabilities’commitments under contract for the supply/provision of services rests solely with the client as a guarantor for the commitments’liabilities of the debtor under the contract.

Factoring without recourse

Factoring, under which the risk of non-payment by the debtor cash liabilities’commitments under contract is fully transferred to the factor (the Bank), except in cases of granting the right to reverse the assignment.

Factoring with partial recourse

Factoring, under which the risk of non-payment by the debtor cash liabilities’commitments under the contract is allocated between the factor (the Bank) and the client, the client acts as a guarantor for the commitments’liabilities of the debtor under the contract in the amount determined in accordance with the terms of the factoring agreement (in accordance with the specified level of guarantee of the client).

Factoring includes the following list of receivables management services:

  • legal support on registration of documents for the supply of goods/provision of services;
  • accounting records, of activities under the Contract between the supplier and the Buyer;
  • monitoring the timeliness of payment of receivables;
  • work with Customer Provider on issues of non-payment (without violating the relations between them and with the interests of the Supplier);
  • reporting to the Supplier and the Customer (taking into account the received requests);
  • analysis of payment discipline of Debtors. Providing Vendor information and guidance of the Bank;
  • database storage for accounts receivable in the history of the partnership between the Bank and the Vendor.

What problems are solved by factoring

Підвищення конкурентоздатності компанії
Increasing the competitiveness of the company

Attracting new customers by providing favorable payment terms (commodity loan)

Вплив на обсяги продажів
Impact on sales

Increased sales and company market share

Прискорення росту компанії
Accelerating the growth of the company

increasing the liquidity of the company's balance sheet, accelerate the turnover of assets

Фінансові гарантії
Financial guarantees

Replenishment of working capital to avoid cash shortages.

How to use factoring?

Follow these 5 simple steps:

The supply of goods or services on deferred payment
Provide to the Bank the package of shipping documents.
Obtaining factoring services (financing up to 90% + factoring service).
Payment owed by the Buyer to the Bank account
Payment Bank Provider cash balance (10%).

The main requirements to activities

Тривалість діяльності
Duration of activity

the duration of the activities from the date of state registration not less than 1 year

Кількість поставок
The number of deliveries

payment is not less than 3 supply of goods

Відстрочення платежу
Deferred payment

terms of payment according to the contract provide for the deferral of payment

Тривалість співпраці
The duration of the cooperation

cooperation with supplier lasts at least 3 months

Тривалість діяльності
Duration of activity

the duration of the activities from the date of state registration not less than 3 years

Передача на факторинг
The transfer to the factoring

transfer to the factoring is not less than 3 debtors (buyers)

Розрахунковий рахунок
Account

the presence of the settlement account in JSC “Raiffeisen Bank Aval” at the time of signing of the factoring agreement

Розрахунки з покупцями
Settlements with buyers

non-cash settlements with customers,

Зв'язок
Link

supplier and debtors are not affiliated (POV'linked) persons

Fee-for-service factoring consists of

Interest rates
Bid for funding, which depends on the period of deferred payment under a Contract concluded between the Client and his Debtor
Commission
Payment for the factoring service. Is paid a lump sum on the day of issue of financing as a percentage of the amount of funding provided
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Contacts

Management of trade financing of JSC «Raiffeisen Bank Aval»:

Ekaterina Shulga  

+38 (044) 495-41-11

Inna Shvetsova

+38 (044) 495-40-82

Helpful information
information that may be useful for you
How is factoring different from a conventional loan?
  • The approved factoring limit is flexible and can be changed by increasing sales.
  • Factoring does not increase accounts payable in the company's balance sheet.
  • The source of repayment is the payments of buyers (debtors).
  • There is usually no security and requirements for the intended use of funds.
Will factoring cooperation affect your relationship with customers?

The Supplier’s cooperation with the Bank in factoring provides him with the opportunity to offer more favorable payment terms for his Buyers. Debtors who comply with the terms of the Contracts and pay monetary obligations on time do not have any objections to factoring cooperation.

Possible transfer to factoring overdue receivables?

Not. JSC "Raiffeisen Bank Aval" accepts for factoring only the current non-overdue receivables.

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