Factoring

Turn outstanding receivables into working capital: improve cash flow, reduce payment risk, and simplify your operations with a structured approach to liquidity.

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Factoring

Convert Receivables into Accessible Capital - with Factoring

A Factoring with CIC (Switzerland) transforms your outstanding invoices into immediate liquidity. This solution empowers your business to maintain steady cash flow, meet operational needs, and invest in growth opportunities without waiting for customer payments.

Why Factoring Pays Off

Fast Liquidity

Access capital tied up in receivables quickly and efficiently - exactly when your business needs it.

Stable Cash Flow

Create predictability in your finances and ease seasonal or growth-related liquidity pressures.

Risk Reduction

We assess debtor creditworthiness to lower your exposure to late payments or defaults.

No New Debt

Strengthen liquidity without adding liabilities to your balance sheet or taking on loans.

Custom Structure

Factoring structures built around your sales volume, payment cycles, and industry dynamics.

Less Admin

We handle receivables management - so you can focus on running and scaling your business.

How Factoring Works

Factoring is a financing solution in which you sell your receivables to the bank. In return, you receive immediate liquidity - usually up to 90% of the invoice amount. Once the customer pays, the remainder is credited, minus a service fee. 

We also offer confidential factoring, allowing you to maintain the appearance of direct customer relationships throughout the process.

And Who It's For

Factoring is ideal for companies that issue invoices with payment terms, operate in industries with longer payment cycles, or experience seasonal liquidity gaps. It is especially useful for growing companies that need to free up capital without increasing their debt load. 

CIC (Switzerland)'s factoring service is provided by Crédit Mutuel Factoring and available to companies domiciled in Switzerland which generate an annual turnover of more than CHF 30 million.

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