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Working Capital Solutions: Receivables Financing

Enhance your working capital by effectively managing your days sales outstanding (DSO). We support you with solutions across multiple countries, currencies, and jurisdictions, as well as locally in our CEE regions.

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Improve Your Cash Conversion Cycle and Unlock Liquidity

Enhance your cash conversion cycle by reducing liquidity tied up in account receivables and lowering your days sales outstanding (DSO). Maximize your liquidity through the sale of receivables.

Optimal Balance Sheet Management

Improve your balance sheet management in order to achieve derecognition. This may result in better ratings from banks, rating agencies, and suppliers.

Mitigate Risks On Your Side

Safeguard your company from potential debtor defaults and minimize credit risk through non-recourse sale of receivables.

Discover Our Services and Solutions

Factoring Without Risk Retention

While debtor management stays with the client, the default risk is shared between RBI and commercial credit insurance, ensuring greater security.

Factoring Without Risk Retention

While debtor management stays with the client, the default risk is shared between RBI and commercial credit insurance, ensuring greater security.

  • Receivables are generated by normal business conduct between the seller(s) and their customers
  • Services / goods underlying the receivable to be fully delivered in order to be eligible for sale to RBI
  • RBI will purchase such receivables in exchange for their gross nominal amount (minus reserves)
  • Dilution reserve covers any adverse impact (such as annual bonifications) on the receivables’ value
  • Any purchase is subject to a credit limit granted by a commercial credit insurance for each debtor
  • Debtor default risk allocated between commercial credit insurance (90%) and RBI

Structured Asset-Based Finance

The entire receivables pool is covered by additional insurance, but in this case, the risk of the deductible for the expected losses remains with the seller of receivables.

Asset Based Finance

The entire receivables pool is covered by additional insurance, but in this case, the risk of the deductible for the expected losses remains with the seller of receivables.

  • Receivables are generated by normal business conduct between the seller(s) and their customers
  • Services / goods underlying the receivable to be fully delivered in order to be eligible for sale to RBI
  • RBI will purchase such receivables in exchange for their gross nominal amount (minus reserves)
  • Dilution reserve covers any adverse impact (such as annual bonifications) on the receivables’ value
  • First loss reserve, if any, covers default on portfolio level up to a certain percentage of the portfolio
  • Any purchase is subject to a credit limit granted by a commercial credit insurance for each debtor
  • The commercial credit insurance will cover debtor default risk either pro-rata or as second loss coverage
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Your Customized Solution

We're here to provide tailored solutions that meet your specific needs. With RBI, your trade receivables are more than just transactions — our experts are committed to identifying untapped potential for cash flow optimization.

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How We Address Your Working Capital Management Challenges

Discover how our receivables purchasing process works! Watch the video to learn more about this efficient and secure method, designed to help your business steer liquidity and reduce risk effectively.

Benefit From Our Expertise

We have a proven track record in factoring and asset-based finance. Leverage the expertise of our experienced team to drive your success.

20+ Years of Experience

in this asset class

25+ Seller Jurisdictions

across the globe

50+ Transactions Structured

by our experts

Map highlighting Raiffeisen Bank’s presence across Europe, showcasing their ability to structure over 50 financing transactions across multiple countries in the past 10 years. 🌍

Multinational Receivables Financing

Over the past 10 years, we have structured over 50 transactions across most countries in Europe. Our dedicated team offers comprehensive structured receivables financing and factoring solutions.

What sets us apart? We can integrate multiple countries, receivables selling entities, jurisdictions, and currencies into a single factoring agreement. With this level of flexibility and expertise, you can leverage our unique capabilities to streamline your financing needs.

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Success stories: What Our Clients Say

Read what our clients say about their successes with our receivables financing solutions.   

The team has always been a reliable partner, attentive to our needs and open for discussions. Their kind and constructive approach, as well as understanding of the business, are key elements to our excellent relationship with RBI. We are extremely pleased to have this longstanding business cooperation.

Marian Maksymovych, CEO, Metinvest International S.A.

We are very pleased with our factoring solution for Austria and Germany. Over the years, we have added subsidiaries to the transaction, and RBI has always been greatly professional when it comes to both implementation and execution. Their expertise and flexibility is much appreciated.

Tom Rafensteiner, Expert Corporate Treasury, Wieland-Werke AG

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