Professional Factoring Solutions

Tailored financial instruments to optimize your balance sheet, reduce administrative overhead, and protect against insolvency.

Factoring With Recourse

Accelerate your cash flow while maintaining ultimate responsibility for debtor payment. An ideal solution for businesses with established, low-risk client portfolios seeking immediate liquidity injections.

Factoring Without Recourse

Complete financial peace of mind. We assume the full risk of debtor insolvency, allowing you to focus entirely on core business expansion without the burden of credit risk management.

Domestic Factoring

Streamlined trade finance specifically structured for transactions between Albanian-registered commercial entities.

International Factoring

Secure cross-border enterprise factoring. Navigate global markets with confidence while we handle international debtor assessment and collections.

Transparent Institutional Pricing

Service Component	Institutional Rate
Prepayment Advancement	Up to 90%
Monthly Interest Rate	1.50%
Disbursement Commission	1.00%
Application Review Fee	0.25%
Annual Portfolio Maintenance	5,000 ALL
Per-Invoice Processing	200 ALL
Late Penalty (over 10 days)	1.5% - 2.5%

Practical Execution Example

A client has an invoice for 100,000 ALL with a 30-day maturity. After applying, the client receives the following terms: a 1.5% monthly interest rate, a 1% administration commission, and a 90% prepayment rate.

Immediate Advance

The Factor immediately advances 90,000 ALL (90% of the invoice) to the client's account.

Debtor Settles

After 30 days, the debtor pays the full 100,000 ALL to the Factor.

Fees Calculated

The Factor calculates its fees (1.5% interest + 1% commission = 2.5%), which total 2,500 ALL.

Final Disbursement

The Factor pays the remaining balance of 7,500 ALL (10,000 ALL held back - 2,500 ALL in fees) to the client.