Factoring is a financial instrument by which a factoring house provides financing to a company by purchasing its undue receivables from the sale of goods and services in the domestic and foreign markets.

By assigning your company’s undue and undisputed receivables to a factoring house, you improve liquidity and turn the receivables into cash available for your immediate use.

If you need to turn your undue and undisputed receivables into money quickly and efficiently, we are here for you.

Advantages of factoring

In their development, small and medium-sized enterprises often may not follow through on financing and provide money to start production and a new business cycle.

  • Quickly available money - up to the limit level within a very short time after delivering and sending the invoice to the client, factoring provides you with an opportunity to turn your receivables into money.
  •  Approved factoring facility you can use when you really need it in business.
  • It does not create an image of a loan liability
  • Financing through factoring has a positive effect on the company’s liquidity and faster sales growth, and therefore easier cash flow planning.

Domestic factoring

  1. Invoice
  2. Application for purchase of receivables (invoices)
  3. Debtor’s creditworthiness (solvency) check
  4. Financing (from 70%)
  5. Payment when due
  6. Remaining invoice amount (up to 100%)
  1. The seller delivers the goods to the buyer-debtor and issues an invoice.
  2. After delivering the goods, the seller assigns the receivables to Focus Factor Plus
  3. Focus Factor Plus checks the debtor’s creditworthiness (solvency)
  4. Focus Factor Plus can pay 70% of the invoice value, minus the factoring commission, to the seller’s account within 24 hours of the assignment of receivables.
  5. After the receivables become due and payable, the debtor makes the payment according to the invoice to the account of Focus Factor Plus
  6. After collecting the invoiced amount, Focus Factor Plus pays the difference of up to 100% minus factoring costs.

Supplier (reverse) factoring

Supplier (reverse) factoring is a special type of factoring that is contracted between the factor and the debtor under the contract for the sale of goods or the provision of services in the country and abroad, based on which the factor, by purchasing invoices from the debtor, assumes the debtor’s liability to make the payment to the creditors, and has the right to collect from the debtor within the terms stipulated by the contracts for the sale of goods or the provision of services in the country and abroad. The debtor is obliged to ensure the creditor’s consent.

The biggest advantage of supplier (reverse) factoring is that a company has an opportunity to settle the payments to suppliers significantly earlier. This allows for creating better business relations with suppliers, and consequently, results in the possibility of contracting new business under significantly more favourable procurement conditions.

International factoring

What is International Factoring?

  • International Factoring - represents the purchase and sale of the existing undue monetary receivables arising from the sale of goods or the provision of services in foreign trade operations.


  • FOCUS FACTOR PLUS DOO - will have the role of export / import factor in the business of International Factoring in the so-called two-factor system. We will support our client in the export/import business. In the country of export, there is a partner - Import Factor who will be responsible for the process related to the collection of receivables from the importer.

Choose a product that will improve your business

If your company has many years of good business cooperation with a partner abroad and has concluded a commercial contract on the export/import of goods/services, international factoring is the best choice for you, and the advantages it provides are the following:

  • Quick collection of receivables and positive impact on cash flows
  • 100% insurance against the risk of non-payment, political risks, and force majeure
  • Additional working capital
  • The potential to increase export sales due to the use of a flexible source of capital
  1.  Sale of goods or services - invoices
  2.  Application for limit approval
  3.  Evaluation of the buyer’s creditworthiness (solvency)
  4.  Limit approval
  5.  Agreement on International Factoring
  6.  Notice of Assignment of Receivables
  7.  Invoice with customs documentation (Single Administrative Document (SAD) and CMR)
  8.  Client financing 60%-90% invoice amount
  9.  Payment of the invoice when due
  10. Transfer of funds collected from the importer
  11. Transfer of the remaining part of the charged invoice in the amount of 10%-40%, minus the amount of interest expense

    How does International Factoring work?

    • Focus Factor Plus doo (when it acts as an export factor) signs a contract with the exporter on the purchase of receivables based on the application for international factoring, and all based on the invoices that must be confirmed by the Importer - non-resident.
    • Focus Factor Plus doo finances 60% - 90% of the invoice amount in advance.
    • The client pays the monthly fee on the total invoice amount
    • Interest is charged on the financed amount
    • Focus Factor Plus doo signs an agreement with the Import Factor on collection of receivables
    • On the due date, after the payment is recorded by the importer/non-resident, the Import Factor transfers the funds to the account of Focus Factor Plus doo with a commercial bank.
    • After the payment has been made by the Import Factor, Focus Factor Plus doo pays the remaining amount to the Client / Exporter (10% - 40%), minus the factoring interest charged on the financed amount.

    Factoring costs


    • Factoring fee – monthly per individual assignment, it is calculated and charged as a percentage on the entire invoice amount.
    • Factoring interest - is calculated on the financed amount (60% - 90% of the invoice amount) and is charged monthly or upon settlement of liabilities by the Buyer, by making a deduction from the remaining payment due to the Client.

    If you are interested in our international factoring services, please fill out the request form.