Raiffeisen Factor Bank
Raiffeisen Factor Bank AG is a Vienna-based, RBI-owned specialist bank providing factoring, reverse factoring, and confirming services to Austrian corporates via the Raiffeisen Bankengruppe network and its Smart Factoring digital platform.
- Company typePrivate
- Founded2007
- HeadquartersVienna, Austria
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Raiffeisen Factor Bank does
Raiffeisen Factor Bank AG is a specialist Austrian credit institution focused exclusively on receivables financing, offering factoring and reverse factoring services to corporate clients. Founded in 2007 and headquartered in Vienna, the bank is a wholly-owned subsidiary of Raiffeisen Bank International AG and operates as the dedicated factoring arm of the Raiffeisen Bankengruppe, Austria's largest banking group. Its product portfolio covers Inhouse Factoring, Full Factoring, Reverse Factoring, Raiffeisen Confirming, single-invoice purchase with forfaiting, ESG-linked Factoring, and customised working-capital solutions, with standard prepayment rates of 80-90% of invoice value.
The bank distributes its products through a hybrid model: a direct sales and key-account team at headquarters, supported by Factoring Senior Experts embedded in each Raiffeisen Landesbank across all Austrian states, plus Raiffeisen-Leasing. Its proprietary Smart Factoring portal provides fully digital invoice submission, debtor and limit management, and same-day liquidity for invoices submitted before noon, processing approximately 3.5-3.6 million invoices and 30,000+ open item lists per year. Optional delcredere (non-recourse) credit protection extends the offering beyond pure working-capital financing.
Commercially, the bank monetises receivables purchases through transaction-based fees and the interest spread on the prepayment advance, with pricing negotiated individually on a pay-as-you-go basis. In 2024, it purchased EUR 9.9 billion of receivables within an Austrian factoring market of EUR 36.2 billion. It has been ranked the #1 'Best Factoring Bank Austria' by Börsianer magazine for six consecutive years (2020-2025), audited by BDO Austria, reflecting sustained category leadership in a regulated, relationship-driven domestic market.
Raiffeisen Factor Bank firmographics
Firmographics- Name
- Raiffeisen Factor Bank
- Legal name
- Raiffeisen Factor Bank AG
- Website
- https://raiffeisen-factorbank.at
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Raiffeisen Factor Bank AG is a Vienna-based, RBI-owned specialist bank providing factoring, reverse factoring, and confirming services to Austrian corporates via the Raiffeisen Bankengruppe network and its Smart Factoring digital platform.
- Ownership category
- akta.pro rank
Raiffeisen Factor Bank industry classification
Industry- Product category
- Factoring Services
- NAICS
- Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- Open Account Trade Finance (Receivables/Payables Finance) (FSABAHAB), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB)
Keywords
Where Raiffeisen Factor Bank is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
Raiffeisen Factor Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Factoring Transaction Fees: The primary revenue stream comes from purchasing trade receivables (invoice factoring). Companies sell their outstanding invoices to the bank and receive immediate prepayment of 80-90% of the gross invoice amount. The bank collects the full amount from the debtor when due and remits the remaining 10-20% (less any deductions) to the client.
- Delcredere/Credit Protection: Optional credit risk protection where the bank assumes the default risk of debtors within defined limits. This additional service provides protection against receivable defaults for factoring clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Individual factoring arrangements based on client profile and transaction volume |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Raiffeisen Factor Bank product offering
Product offeringCore offering
Raiffeisen Factor Bank purchases trade receivables (outstanding invoices) from businesses and provides immediate liquidity in the form of an 80-90% prepayment on the invoice value. The bank offers Inhouse Factoring, Full Factoring, Reverse Factoring (supply chain financing), Raiffeisen Confirming, single-invoice purchasing with forfaiting, and tailored solutions. Its Smart Factoring digital platform enables fully automated invoice processing and same-day financing decisions for B2B clients primarily in Austria.
Product overview
Raiffeisen Factor Bank offers a portfolio of factoring solutions centered on its digital Smart Factoring platform. The core products include Inhouse Factoring (customer retains debtor management), Full Factoring (RFB handles full debtor management), Reverse Factoring (supply chain financing for buyers), and Raiffeisen Confirming (confirmed invoice redemption). Additional offerings include single-invoice purchasing with forfaiting and customized solutions. The Smart Factoring portal serves as the unified digital interface across all products, enabling fully automated receivables processing, real-time dashboards, and same-day liquidity. Specialized ESG-linked Factoring supports sustainable business transformation.
Differentiator
Problem solved
Functional benefit
Brands
- Smart Factoring: Digital customer portal for factoring operations, enabling fully automated invoice processing, real-time dashboard access, and mobile-responsive service delivery.
Products and services
- Inhouse Factoring
Companies that use Raiffeisen Factor Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Raiffeisen Factor Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Raiffeisen Factor Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Raiffeisen Bankengruppe (Raiffeisen Banking Group)coreAustria's largest banking group comprising Raiffeisen Landesbanken (state banks) and Raiffeisenbanken (regional banks). The RFB is embedded in the entire Raiffeisen sector and distributes factoring products through this network. Each regional bank has dedicated Factoring Senior Experts.
- Raiffeisen Landesbanken (State Banks)coreRegional Raiffeisen state banks including: Raiffeisen Landesbank NÖ-Wien, Raiffeisen Landesbank Burgenland, Raiffeisen Landesbank Steiermark, Raiffeisen Landesbank Vorarlberg, Raiffeisen Landesbank Tirol, Raiffeisen Landesbank Kärnten. Each has Factoring Senior Experts supporting client relationships.
- Raiffeisen-LeasingminorSpecialized leasing entity within the Raiffeisen group. Raiffeisen-Leasing has dedicated Factoring Senior Expert providing cross-selling and client referrals.
- Österreichischer Factoring-Verband (ÖFV)minorAustrian Factoring Association - industry body for factoring companies in Austria.
- EU-Factoring-Verband (EUF)minorEuropean Factoring Association - international industry organization for the factoring industry.
- FCI - Factors Chain InternationalminorGlobal factoring network enabling cross-border factoring and international cooperation between factoring companies.
Scale indicators9 records
Recent moves5 records
Expansion highlights5 records
Raiffeisen Factor Bank competitors and assessment
Company assessmentDirect peers
- Deutsche Factoring Bank: German specialist factoring bank offering traditional and reverse factoring to SMEs and corporates; the closest direct competitor in the DACH region with similar product breadth and customer focus.
- Bibby Financial Services: International factoring and invoice finance provider with strong presence across Europe, offering full-service and inhouse factoring to SMEs — directly comparable offering and target segment to RFB.
- Coface (Factoring): French-headquartered credit insurer that also provides factoring and receivables management services across Europe; comparable trade-credit-and-factoring hybrid model.
- Atradius Collections & Factoring: Global trade credit insurer operating a factoring business serving European SMEs and mid-market corporates; comparable combination of credit protection and invoice financing.
- Euler Hermes Factoring: European trade credit insurance and factoring provider; directly comparable in combining delcredere credit protection with receivables purchasing for SME and corporate clients.
Broad incumbents
- Raiffeisen Bank International AG: Parent company of RFB and lead institution of the Raiffeisen Banking Group in CEE; broader universal bank whose corporate-banking franchise overlaps and feeds into RFB's factoring book.
- BAWAG Group: Austrian universal bank with factoring and receivables-financing capabilities for corporate and SME clients; domestic incumbent competing for the same Austrian client base.
- Erste Group Bank: Major Austrian/Central European banking group offering factoring and supply chain finance products as part of its corporate banking franchise; competes for the same Austrian SME wallet.
Emerging players
- Factris: European digital-first factoring platform serving SMEs with online onboarding and invoice submission; emerging fintech competitor targeting the same mid-market segment as Smart Factoring.
- Stenn International: Digital cross-border trade finance and receivables-financing platform; emerging player applying fintech-style origination to receivables financing historically dominated by specialist banks like RFB.
Market position
Strengths5 records
Weaknesses1 record
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Raiffeisen Factor Bank social profiles
Digital presenceRaiffeisen Factor Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Raiffeisen Factor Bank leadership team
Management profileNumber of profiles
Profiles5 records
Raiffeisen Factor Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Raiffeisen Factor Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Raiffeisen Factor Bank
What does Raiffeisen Factor Bank do?
Raiffeisen Factor Bank purchases trade receivables (outstanding invoices) from businesses and provides immediate liquidity in the form of an 80-90% prepayment on the invoice value. The bank offers Inhouse Factoring, Full Factoring, Reverse Factoring (supply chain financing), Raiffeisen Confirming, single-invoice purchasing with forfaiting, and tailored solutions. Its Smart Factoring digital platform enables fully automated invoice processing and same-day financing decisions for B2B clients primarily in Austria.
Is Raiffeisen Factor Bank a public or private company?
Raiffeisen Factor Bank is a private company. It is classified as corporate owned and is currently operating.
When was Raiffeisen Factor Bank founded?
Raiffeisen Factor Bank was founded in 2007. It employs 11 to 50 people.
Where is Raiffeisen Factor Bank based?
Raiffeisen Factor Bank is headquartered in Vienna, Austria, in the Europe region.
How does Raiffeisen Factor Bank make money?
Two revenue lines are on record. Factoring Transaction Fees are the primary driver. The others are delcredere/Credit Protection.
Who are Raiffeisen Factor Bank's main competitors?
Direct peers on record are Deutsche Factoring Bank, Bibby Financial Services, Coface (Factoring), Atradius Collections & Factoring and Euler Hermes Factoring. Broad incumbents are Raiffeisen Bank International AG, BAWAG Group and Erste Group Bank. Emerging players are Factris and Stenn International.
Does Raiffeisen Factor Bank have an API?
No public API is recorded for Raiffeisen Factor Bank.
What industry is Raiffeisen Factor Bank in?
Raiffeisen Factor Bank's product category is Factoring Services. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of FSABAHAB, Open Account Trade Finance (Receivables/Payables Finance). Its NAICS code is 52229 and its SIC code is 6153.