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Kosten des Factorings

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Bei ProFinance Factoring setzen sich die Factoring-Gebühren zusammen aus:

  • Gebühren auf die angekauften Bruttoforderungen,
  • Zinsen für die Laufzeit der Forderungen auf den ausgezahlten Betrag und
  • Bonitätsprüfungskosten, einmal pro Jahr und Schuldner

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An welchem Prozess sind die Parteien beim Verkauf von Forderungen beteiligt?

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Beim Factoring sind drei Parteien involviert:

Kreditor: Sie agieren als Lieferant und stellen Rechnungen mit Zahlungszielen für Ihre Kunden aus. Diese offenen Rechnungen bieten Sie einem Factor wie nordwest zum Verkauf an.

Factor: Als Ihr Partner sind wir der Factor, der Ihre ausstehenden Forderungen ankauft.

Debitor: Dies ist Ihr Kunde, Käufer oder Schuldner, der bei Ihnen Waren oder Dienstleistungen erworben hat und eine Rechnung erhalten hat. Da die Forderung an ihn vom Factor aufgekauft wurde, begleicht er diese später direkt bei uns.

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background_blend_mode=“none“ animation_direction=“right“ animation_speed=“1.0″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_position=“all“ element_content=““ spacing_left=“6%“ spacing_right=“8%“ margin_bottom_small=“0px“ min_height=““ link=““ first=“false“][fusion_title title_type=“text“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ loop_animation=“off“ highlight_width=“9″ highlight_top_margin=“0″ content_align=“left“ size=“4″ text_color=“var(–awb-color7)“ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ margin_top=“0px“ margin_bottom=“16px“]Factoring-Definition[/fusion_title][fusion_title title_type=“text“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ loop_animation=“off“ highlight_width=“9″ highlight_top_margin=“0″ content_align=“left“ size=“2″ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ margin_top=“0px“]Was ist Factoring?
[/fusion_title][fusion_text rule_style=“default“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Factoring ist eine Finanzierungsmethode, bei der ein Unternehmen seine ausstehenden Forderungen gegenüber Kunden vor deren Fälligkeit an einen Finanzdienstleister überträgt. Dieser zahlt die Forderungen sofort aus, sodass wertvolles Kapital aus gesunden Geschäftserlösen nicht durch lange Zahlungsziele von Kunden gebunden bleibt.

Darüber hinaus übernimmt die Factoringgesellschaft die Absicherung vor Forderungsausfällen (auch als Delkredere-Funktion bekannt).

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=“flex“ hundred_percent=“no“ hundred_percent_height=“no“ hundred_percent_height_scroll=“no“ align_content=“stretch“ flex_align_items=“center“ flex_justify_content=“flex-start“ hundred_percent_height_center_content=“yes“ equal_height_columns=“no“ container_tag=“div“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ status=“published“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“center center“ background_repeat=“no-repeat“ fade=“no“ background_parallax=“none“ enable_mobile=“no“ parallax_speed=“0.3″ background_blend_mode=“none“ video_aspect_ratio=“16:9″ video_loop=“yes“ video_mute=“yes“ absolute=“off“ absolute_devices=“small,medium,large“ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ sticky_transition_offset=“0″ scroll_offset=“0″ animation_direction=“left“ animation_speed=“0.3″ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ admin_label=“More Features“ padding_bottom=“94px“ padding_top_medium=“72px“ padding_bottom_medium=“72px“ padding_top_small=“60px“ padding_bottom_small=“48px“ padding_top=“94px“ background_color=“var(–awb-custom10)“][fusion_builder_row][fusion_builder_column type=“2_5″ layout=“2_5″ align_self=“auto“ content_layout=“column“ align_content=“center“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“center top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“left“ animation_speed=“1.0″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_position=“all“ element_content=““ margin_top=“10px“ margin_bottom=“10px“ min_height=““ link=““ first=“true“][fusion_title title_type=“text“ rotation_effect=“bounceIn“ display_time=“1200″ highlight_effect=“circle“ loop_animation=“off“ highlight_width=“9″ highlight_top_margin=“0″ content_align=“left“ size=“2″ text_color=“var(–awb-color1)“ style_type=“default“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ margin_bottom_small=“16px“]Wann lohnt sich Factoring?[/fusion_title][fusion_text rule_style=“default“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Eine bewährte Faustregel zur ersten Einschätzung besagt: Factoring ist immer dann möglich, wenn zum Zeitpunkt der Rechnungsstellung die erbrachte Leistung bereits vollständig erbracht wurde. Daher ist dieses Finanzierungsinstrument besonders geeignet für Unternehmen im Handel, Dienstleistungssektor und produzierenden Gewerbe.

[/fusion_text][/fusion_builder_column][fusion_builder_column type=“3_5″ layout=“3_5″ align_self=“stretch“ content_layout=“column“ align_content=“center“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ type_medium=“3_5″ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“right“ animation_speed=“1.0″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_position=“all“ element_content=““ spacing_left=“8%“ spacing_right=“8%“ spacing_left_medium=“4%“ spacing_right_medium=“4%“ min_height=““ link=““ first=“false“][fusion_builder_row_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“left“ animation_speed=“0.3″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_position=“all“ margin_bottom=“10px“ type_small=“1_2″ min_height=““ link=““ first=“true“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]Viele Forderungen und hohe Lagerbestände in der Bilanz[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“left“ animation_speed=“0.3″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_position=“all“ margin_bottom=“10px“ type_small=“1_2″ min_height=““ link=““ first=“false“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Wichtige Endkunden mit langen Forderungslaufzeiten

[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“left“ animation_speed=“0.3″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_position=“all“ margin_bottom=“10px“ type_small=“1_2″ min_height=““ link=““ first=“true“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Hoher Liquiditätsbedarf durch starkes Wachstum

[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_direction=“left“ animation_speed=“0.3″ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_position=“all“ margin_bottom=“10px“ type_small=“1_2″ min_height=““ link=““ first=“false“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Hohe Kosten der Beschaffung

[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“avada“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ transition_duration=“300″ transition_easing=“ease“ scroll_motion_devices=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ min_height=““ last=“false“ link=““ border_position=“all“ first=“true“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]Sensible Zahlungszeitpunkte für Steuern, Sozialabgaben und Gehälter[/fusion_text][/fusion_builder_column_inner][fusion_builder_column_inner type=“1_2″ layout=“1_2″ align_self=“auto“ content_layout=“column“ align_content=“flex-start“ valign_content=“flex-start“ content_wrap=“wrap“ center_content=“no“ column_tag=“div“ target=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“ order_medium=“0″ order_small=“0″ hover_type=“none“ border_style=“solid“ box_shadow=“no“ box_shadow_blur=“0″ box_shadow_spread=“0″ background_type=“single“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ lazy_load=“avada“ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ sticky=“off“ sticky_devices=“small-visibility,medium-visibility,large-visibility“ absolute=“off“ filter_type=“regular“ filter_hover_element=“self“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ transform_type=“regular“ transform_hover_element=“self“ transform_scale_x=“1″ transform_scale_y=“1″ transform_translate_x=“0″ transform_translate_y=“0″ transform_rotate=“0″ transform_skew_x=“0″ transform_skew_y=“0″ transform_scale_x_hover=“1″ transform_scale_y_hover=“1″ transform_translate_x_hover=“0″ transform_translate_y_hover=“0″ transform_rotate_hover=“0″ transform_skew_x_hover=“0″ transform_skew_y_hover=“0″ transition_duration=“300″ transition_easing=“ease“ scroll_motion_devices=“small-visibility,medium-visibility,large-visibility“ animation_direction=“left“ animation_speed=“0.3″ animation_delay=“0″ min_height=““ last=“true“ link=““ border_position=“all“ first=“false“][fusion_text rule_style=“default“ font_size=“18px“ line_height=“30px“ text_color=“var(–awb-color1)“ animation_direction=“left“ animation_speed=“0.3″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ sticky_display=“normal,sticky“]

Starkes Bedürfnis nach Absicherung gegen Forderungsausfälle

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Wann passt Factoring nicht?

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Nur einige wenige Geschäftsfelder sind aufgrund bestimmter Faktoren nicht für Factoring geeignet. Dies liegt hauptsächlich an Teil- und Abschlagsrechnungen, die im Bauhauptgewerbe, bei Architekten und in der Vermietung und Verpachtung vorkommen. Zudem sind hohe Kundenkonzentrationen in Bezug auf den Umsatzanteil, ein großer Anteil an ausländischen Kunden oder ein Firmenalter von unter zwei Jahren nicht förderlich für die Vertragsschließung mit einem seriösen Factoring-Anbieter.

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Für welche Unternehmen eignet sich Factoring?

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Factoring ist ein wirkungsvolles Finanzinstrument mit zahlreichen Vorteilen, das vielen Unternehmen dabei hilft, ihre Expansionspläne effektiv umzusetzen. Sowohl Unternehmen jeder Größe als auch aus verschiedenen Branchen können von der Ausfallsicherung und der bankenunabhängigen Liquiditätszufuhr profitieren – sogar kleine Unternehmen, Gewerbetreibende und Freiberufler.
Dieses Finanzierungsinstrument ist nachhaltig und langfristig ausgerichtet, wobei die Vorteile schnell spürbar sind. Um festzustellen, ob Factoring auch für Ihr Unternehmen geeignet ist, sollten Sie sich jetzt einen Überblick verschaffen.

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