Factoring #22 | Raiffeisen Bank Aval Factoring #23 | Raiffeisen Bank Aval
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Factoring

The advantages of factoring

Factoring | Raiffeisen Bank Aval
Security

Reduction in risk of non-payment

Factoring #2 | Raiffeisen Bank Aval
Flexibility

No security

Factoring #3 | Raiffeisen Bank Aval
Comprehensive services

Receiving a complex of services for managing receivables

Factoring #4 | Raiffeisen Bank Aval
Increase sales

Ability to increase sales and plan cash flows

Factoring #5 | Raiffeisen Bank Aval
Guarantees

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

Factoring #6 | Raiffeisen Bank Aval
Reliable support

Consulting and analytical services

Factoring #7 | Raiffeisen Bank Aval
Attractive terms

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

Factoring #8 | Raiffeisen Bank Aval
Mutually beneficial partnership

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

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

Factoring #9 | Raiffeisen Bank Aval
Increasing the competitiveness of the company

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

Factoring #10 | Raiffeisen Bank Aval
Impact on sales

Increased sales and company market share

Factoring #11 | Raiffeisen Bank Aval
Accelerating the growth of the company

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

Factoring #12 | Raiffeisen Bank Aval
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

Factoring #13 | Raiffeisen Bank Aval
Duration of activity

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

Factoring #14 | Raiffeisen Bank Aval
The number of deliveries

payment is not less than 3 supply of goods

Factoring #15 | Raiffeisen Bank Aval
Deferred payment

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

Factoring #16 | Raiffeisen Bank Aval
The duration of the cooperation

cooperation with supplier lasts at least 3 months

Factoring #17 | Raiffeisen Bank Aval
Duration of activity

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

Factoring #18 | Raiffeisen Bank Aval
The transfer to the factoring

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

Factoring #19 | Raiffeisen Bank Aval
Account

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

Factoring #20 | Raiffeisen Bank Aval
Settlements with buyers

non-cash settlements with customers,

Factoring #21 | Raiffeisen Bank Aval
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 and factoring of JSC "Aval":
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