Optimize your cash flow with the factoring in Switzerland

Your balance sheet must be well balanced between what your business owns (assets) and your different sources of financing (liabilities). In addition, your net working capital depends on positive (fixed assets, permanent capital, etc.) and negative (debts, etc.) elements, and the goal is to have an excess of resources. However, this is never guaranteed, especially if your cash flow is tight. In addition, you depend on your customers’ payment deadlines because your expenses must also be completed on time.

Why wouldn’t you use your accounts receivable (and therefore what you invoice) to generate quick cash flow which will allow you to avoid to do the bank for your customers? This method is a simple transformation of your assets into cash.

What is factoring?

Factoring is a very practical way to get paid very quickly (between 24 and 48 hours) for invoices issued and therefore to benefit from very short-term liquidity and at relatively lower costs. Thanks to credit insurance (your own or the one of the company which will finance you), you are in all cases protected in the event of non-payment from your customers. This allows the factoring company to finance your invoices, while being certain of being compensated in the event of payment defaults or bankruptcy of your customers.

The advantages of factoring

1. Improved cash flow : You get immediate liquidity, allowing you to meet your urgent financial needs.
2. Reduced non-payment risks : Built-in credit insurance protects against non-payments, thereby reducing financial risks.
3. Simplified management of receivables : The factoring company takes care of the management and collection of receivables, allowing you to concentrate on your core business. 
4. Financial flexibility : Factoring offers increased flexibility in managing your finances, allowing you to seize business opportunities without cash flow constraints.

Why choose AU Group?

At AU Group, we are experts in credit insurance and factoring, with in-depth knowledge of the market. Our specialist based in Switzerland, Luca Caretti, will be able to inform you and find you a suitable solution in a relatively short time. We collaborate with several active and specialized players who offer effective solutions in the market.

Contact us for more information

You want to know more ? Contact Luca Caretti to discuss your specific needs and find out how factoring can optimize the financial management of your business. Together we will find the solution that suits you best.