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When you assign receivables to the bank, the volume of receivables in the balance sheet falls

The financing does not increase credit exposure and the volume of liabilities

The liquidity and other ratios of the company improve


If you work with a balance sheet, you can assign a large volume of receivables to the bank in a one-off transaction, ideally towards the end of the reporting period.

Method of purchase

  • Receivables are sold to the bank by means of an assignment for consideration.
    • Without recourse (no-recourse factoring) – the bank assumes the risk of the debtor’s insolvency or unwillingness to pay and insures the receivables with a credit insurance company with a deductible of only 10%
  • The bank buys 100% of the amount of receivables as specified in the invoice, incl. VAT; it provides clients with a contractual advance payment, which usually amounts to 90% of the nominal value; the remaining part is credited to the client’s account immediately upon the payment being obtained from the debtor

Further benefits:

  • You minimize the risk of exchange rate movements for receivables in foreign currencies
  • No reservation fee is charged on the unused amount
  • The transfer from the bank’s internal accounts to your current account is free of charge
  • You will lower the cost of payments – no fees are charged for incoming payments
  • The bank assumes the risk of non-payment


Contact details of our specialists:

Jan Novotný
M: 725 707 726, T: 234 401 758, E:
Jana Tobrmanová
M: 734 518 340, T: 234 401 472, E:
Kateřina Reicheltová
M: 603 808 248, T: 234 401 989, E: