Raiffeisen Factor Bank

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.

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

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

• Factoring services
• Receivables financing
• Reverse factoring
• Working capital solutions
• Supply chain financing

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Raiffeisen Bankengruppe (Raiffeisen Banking Group)coreChannel Partner/ Reseller/ DistributorAustria'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)coreChannel Partner/ Reseller/ DistributorRegional 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-LeasingminorStrategic or Co-development PartnerSpecialized leasing entity within the Raiffeisen group. Raiffeisen-Leasing has dedicated Factoring Senior Expert providing cross-selling and client referrals.
• Österreichischer Factoring-Verband (ÖFV)minorOthersAustrian Factoring Association - industry body for factoring companies in Austria.
• EU-Factoring-Verband (EUF)minorOthersEuropean Factoring Association - international industry organization for the factoring industry.
• FCI - Factors Chain InternationalminorOthersGlobal factoring network enabling cross-border factoring and international cooperation between factoring companies.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Direct 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

• LinkedInlinkedin.com/company/raiffeisen-factor-bank-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisen Factor Bank