Expenses of a factoring solution

Expenses depend on the risk assessment of the individual business. This risk assessment is calculated in an individual analysis. The risk analysis is based on the analysis of the business reports, the business model, the creditworthiness of the customers, and an audit of the organisational structure and processes.

We charge fees on the basis of the factored volume (0.7% to 2.5%) and interest on the days actually advanced on the basis of the individual invoice (3% to 5% annual interest rate).

There are additional charges for the assessment of receivables with open items in excess of CHF 20'000, performed by the credit insurancer, amounting to between CHF 71 and CHF 188 per annum for each customer and country inspected. Additionally there may be external charges for the maintenance of bank accounts, external audits or collection services.