Yapı Kredi Faktoring

What Yapı Kredi Faktoring does

Yapı Kredi Faktoring A.Ş. is a Turkish factoring company founded in 1999, operating as a 99.94–99.95%-owned subsidiary of Yapı Kredi Bank (itself part of the Koç Holding financial services group). The company provides three core factoring products — Yurtiçi Faktoring (Domestic Factoring), İhracat Faktoringi (Export Factoring), and İthalat Faktoringi (Import Factoring) — covering guarantee, collection, and financing of forward and open-account receivables with terms extending up to 180 days. It serves a customer base that is predominantly composed of small and medium-sized enterprises (over 90% of customers), supplemented by large national and international corporates requiring supplier/dealer financing and balance-sheet management support.

The company's technology consists of an online factoring transaction platform and the Kolay Çek mobile application, which provide customers with digital access for receivables management and factoring operations. Distribution is executed through a direct branch network of 13 locations across Turkey (Istanbul, Ankara, Izmir, Bursa, Adana, Antalya, Gaziantep, Kocaeli) plus referral pipelines from Yapı Kredi Bank's nationwide branch system. International factoring services are delivered through the Factors Chain International (FCI) correspondent network, enabling cross-border collections, receivables guarantee, and dispute resolution in buyer countries.

Yapı Kredi Faktoring earns revenue via three primary streams: (i) factoring commissions calculated as a percentage of each assigned receivable, (ii) factoring fees representing interest on the prepayment (advance) made against assigned receivables, and (iii) guarantee service fees on forward and open-account receivables, covering credit risk protection against buyer non-payment. Pricing is determined per invoice based on receivable quality, with no publicly disclosed fee schedules. The firm holds Fitch credit ratings of BB-/Stable (Long-Term Foreign Currency IDR), AA-/Stable (National Long-Term), and B (Short-Term Foreign Currency IDR), and maintains ISO 14001 (renewed 2024), ISO 14064 (2020), and Carbon Neutral certification.

Name

Yapı Kredi Faktoring

Legal name

Yapı Kredi Faktoring A.Ş.

Website

https://yapikredifaktoring.com.tr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Yapı Kredi Faktoring is a Turkish factoring company, founded in 1999 and 99.94%-owned by Yapı Kredi Bank, offering domestic, export, and import factoring services to predominantly SME customers via a 13-branch network, parent-bank referrals, the Kolay Çek mobile app, and the Factors Chain International correspondent network.

Ownership category

akta.pro rank

Product category

Factoring Services

NAICS

Sales Financing (52222)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Procurement, Vendor Management & Purchase-to-Pay (P2P) (FSAGAJAK)

Keywords

• Factoring services
• Receivables financing
• Export factoring
• Import factoring
• Domestic factoring

Headquarters

HQ city

Besiktas

Offices14 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Commission: Commission fee charged by the factor for each invoice processed. The commission is calculated as a percentage of the invoice/accounts receivable amount assigned to the factor.
2. Factoring Fee (Interest on Advance): Interest amount accrued monthly on the prepayment (advance) made to the customer against assigned receivables. Constitutes the financing cost component of the factoring service.
3. Guarantee Service Fee: Revenue derived from the guarantee service offered on forward and open account receivables, covering credit risk protection for customers against buyer non-payment.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Yapı Kredi Faktoring is a Turkish factoring company providing domestic, export, and import factoring services for businesses. The company offers guarantee, collection, and financing of trade receivables, enabling customers to convert accounts receivable into immediate cash, eliminate collection risk, and obtain flexible financing that grows with sales volume. Services are delivered through 13 branches, the Kolay Çek mobile application, and the Factors Chain International (FCI) correspondent network for cross-border factoring.

Product overview

Yapı Kredi Faktoring is a factoring company offering a portfolio of three core factoring products—İhracat Faktoringi (Export Factoring), İthalat Faktoringi (Import Factoring), and Yurtiçi Faktoring (Domestic Factoring)—alongside the KolayÇek mobile application. The company operates as a subsidiary of Yapı Kredi Bank with 99.94% ownership and provides guarantee, collection, and financing services for both domestic and international trade receivables through its membership in Factors Chain International.

Differentiator

Problem solved

Functional benefit

Brands

• Kolay Çek: Mobile application for check and factoring services

Products and services

• Export Factoring (İhracat Faktoringi) Export factoring service that provides guarantee for forward and open account receivables, enabling Turkish exporting companies to increase export volume while managing credit risk through Factors Chain International's global correspondent network. Includes collection and financing of export receivables.
• Import Factoring (İthalat Faktoringi) Import factoring service that facilitates forward import transactions by establishing guarantee limits for foreign sellers, enabling Turkish companies to negotiate with overseas vendors and providing sellers early payment options. Includes guarantee and financing for import receivables.
• Domestic Factoring (Yurtiçi Faktoring) Domestic factoring service offering guarantee, collection, and financing services for forward receivables within Turkey, helping companies eliminate collection difficulties and maintain healthier balance sheets. Terms available up to 180 days for forward receivables.
• KolayÇek Mobile Application Mobile application enabling customers to perform factoring operations, manage receivables, and access financial services on their mobile devices, including check management and online factoring transactions.

Quantifiable outcome

• More than 90% of customers served are SMEs, positioning the company as one of the most important financial partners for SMEs in Turkey.
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Factors Chain International (FCI)coreStrategic or Co-development PartnerYapı Kredi Faktoring is an active member of Factors Chain International (FCI), the global association of factoring and receivables companies. FCI membership provides access to an international network of correspondent factors for cross-border collections, guarantee services, and dispute resolution. Yapı Kredi Factoring leverages the FCI network to offer export and import factoring services to Turkish businesses trading internationally.
• Association of Financial Institutions (Türkiye Finansal Kurumlar Birliği)coreStrategic or Co-development PartnerYapı Kredi Faktoring is an active member of the Association of Financial Institutions in Turkey, participating in industry self-regulation, best practice development, and sector representation.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Aktif Bank: Turkish non-bank financial institution offering factoring, leasing, and trade finance products to SMEs. Overlaps with Yapı Kredi Faktoring on the SME receivables-financing segment, but with a broader NBF product portfolio.

Direct peers

• Garanti Faktoring: Factoring subsidiary of Garanti BBVA (one of Turkey's largest banks), offering domestic, export, and import factoring products to Turkish SMEs and corporates. Closest direct competitor with comparable bank-backed model, product mix, and SME focus.
• Halk Faktoring: Factoring subsidiary of Halkbank, a major Turkish state-linked bank with strong SME relationships. Competes directly with Yapı Kredi Faktoring on domestic SME supplier financing and export guarantee services.
• TEB Faktoring: Factoring arm of TEB (BNP Paribas group in Turkey), offering receivables financing to SMEs and large corporates. Comparable bank-affiliated factoring model with international parent network support.
• Ziraat Faktoring: Factoring affiliate of Ziraat Bank, Turkey's largest state bank. Competes head-to-head in SME and corporate factoring with comparable national branch presence and export/import product set.
• Deniz Faktoring: Factoring subsidiary of DenizBank (Emirates NBD group), providing domestic and international factoring solutions to Turkish SMEs and corporates. Directly comparable bank-affiliated competitor with overlapping product set.
• İş Faktoring: Factoring subsidiary of İş Bank, Turkey's largest private bank. Operates a similar three-pillar factoring model (domestic, export, import) with national branch coverage and a comparable SME-driven customer base.

Broad incumbents

• QNB Finansbank: Large Turkish private bank (QNB Group) with factoring capabilities embedded in its commercial banking offering. Broader incumbent that competes for the same SME receivables-financing wallet, but as part of a full-service bank rather than a dedicated factor.

Regional players

• Bibby Financial Services: Global SME factoring and invoice finance provider with operations across Europe and beyond. Comparable on SME-targeted receivables financing and cross-border correspondent capabilities, though focused outside Turkey.
• Eurofactor (BNP Paribas group): European factoring network of BNP Paribas providing cross-border receivables finance. Comparable on international factoring via correspondent networks and SME-focused product design, but operating primarily in Europe rather than Turkey.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Yapı Kredi Faktoring