Full-service factoring
The complete package: immediate financing, protection against bad debt, and full receivables management including monitoring and dunning.
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Our servicesFactoring, explained and tailored
From single invoices to your entire ledger, we structure a factoring solution around how your business actually sells and gets paid.
The basics
What is factoring?
Factoring is the sale of your open accounts receivable to a factoring partner. Instead of waiting for your customer's payment term to expire, you sell the invoice to ARAMIS Factoring GmbH & Co. KG and receive the bulk of its value straight away.
You stay focused on delivering your product or service; we provide the financing, can assume the default risk, and — where you wish — manage the receivable through to payment. It is a financing tool used across manufacturing, wholesale, services and the skilled trades.
How it works
From invoice to cash in five steps
A factoring relationship is straightforward and repeatable. Once set up, each invoice follows the same simple path.
1
You deliver and invoice
You supply your goods or services as usual and issue the invoice to your customer.
2
You submit the invoice to ARAMIS
Send us the invoice through your agreed channel. Approval of recurring customers is handled in advance, so submission is quick.
3
You receive an advance
We advance up to 90% of the invoice value, typically within 24 to 48 hours — money you can use immediately.
4
We manage the receivable
We monitor payment and, on request, handle reminders and collection. With non-recourse cover, we also carry the default risk.
5
You receive the balance
Once your customer settles the invoice, we release the remaining amount to you, less the agreed factoring fee.
Service types
Factoring models we offer
Different businesses need different structures. We combine the right elements of financing, risk cover and administration for you.
Non-recourse factoring
We assume the del credere risk. If your customer becomes insolvent, the loss is ours — your liquidity stays protected.
Recourse factoring
A leaner, lower-cost structure where financing and administration are provided while the default risk remains with you.
In-house (bulk) factoring
You keep managing your own ledger and collections; we provide the financing and, optionally, the credit protection behind it.
Selective factoring
Finance only chosen customers or individual invoices, rather than your whole ledger — useful for managing specific large debtors.
Receivables management
Outsource the day-to-day administration of your receivables — invoicing support, payment tracking and structured reminders.
Working together
How a partnership begins
- ConsultationWe review your turnover, customers and payment terms to understand your needs.
- Tailored proposalYou receive a transparent offer with the advance rate, fee and risk model laid out clearly.
- OnboardingWe agree processes and customer communication, then set up your facility.
- Ongoing fundingSubmit invoices and receive advances continuously — liquidity on tap.
Find the right factoring model for you
Tell us how you sell and get paid, and we'll suggest a structure that fits.