Factoring and receivables
Invoices that tie up cash
Payment terms stretch working capital, especially when a company grows, works with large clients or exports. Every invoice issued is cash that has not yet arrived.
Factoring and other forms of receivables finance advance all or part of these amounts. The funding rests on the quality of your clients as much as on yours.
The solutions
Standard factoring
Assignment of all receivables, with funding, collection and, where relevant, cover against non-payment.
Confidential factoring
Your clients are not notified: you keep the relationship and manage collection.
Selective factoring
Only some receivables or some clients are financed, as you need.
Export receivables
Funding of invoices on foreign clients, with credit risk cover.
Reverse factoring
A programme sponsored by a large client that lets its suppliers be paid earlier.
Borrowing base
A facility backed by receivables and inventory, recalculated regularly.
Our approach
Assessment
Need, timing, assets and existing commitments: we measure what can be financed and on what terms.
Funder file
A clear file, prepared once, in the format specialist funders expect.
Targeted approach
We approach the funders that fit your situation, without broad circulation.
Set-up and follow-up
Terms, security, documentation, timing: we follow the set-up through to first drawdown.
Youllsee advises and does not lend: we prepare your file and present it to the right funders, alongside your bank partners.
Frequently asked questions
Will my clients know I use factoring?
Not necessarily. With confidential factoring, your clients keep paying you as usual.
Which companies can use it?
Companies invoicing business clients, with certain and undisputed receivables. The quality and spread of clients weigh on the terms.
Can receivables on foreign clients be financed?
Yes, with export solutions, often combined with credit insurance.
Is this compatible with my bank lines?
Yes. Coordinating with existing banks, in particular on receivables already assigned, is part of the preparation.
Can your receivables fund your business?
A first 30-minute call with our team, confidential and with no commitment.