What A.B.S. Global Factoring does

A.B.S. Global Factoring AG is a privately held, bank-independent financial services provider headquartered in Wiesbaden, Germany, founded in 1996. The company sells full-service factoring — purchasing clients' outstanding receivables for immediate liquidity while assuming debtor management, credit checking, dunning, and collections — alongside complementary services including default protection, cross-border factoring, and debt collection (Inkasso). Through its quickpaid sub-brand, A.B.S. also offers Buy Now, Pay Later (BNPL) financing for business purchases and sales, and through GOÄ experts provides private medical billing (Privatliquidation) for healthcare providers. Product delivery runs on a multi-portal digital platform comprising the A.B.S. Kundenportal, A.B.S. Belegupload for invoice document upload, and quickpaid customer and broker portals.

The company targets primarily German Mittelstand SMEs (KMU), with explicit use cases spanning startups, companies in restructuring or insolvency, export-oriented businesses, and transport & logistics firms. It operates across seven European markets — Germany, Austria, Switzerland, Slovenia, Poland, Sweden, and the Netherlands (the latter via the acquired Alfa Commercial Finance B.V.) — with localized websites in German, English, French, Slovenian, Polish, and Swedish. Revenue is generated almost entirely through transaction-based fees on factoring volume, BNPL transactions, and collection activities; pricing is custom-quoted rather than standardized, and sales occur through a hybrid direct-sales and self-service portal model with consultation via phone and email.

Distribution combines inbound digital channels (LinkedIn, Instagram, YouTube, blog, eBooks, newsletter, #HauptsacheFlüssig sustainability PR campaign) with a consultative inside-sales motion and a mid-funnel Factoring Check Quiz qualification tool. The company has no disclosed funding, no public-company listing, and no identified parent entity; its ownership commentary indicates organic, management-led growth. No proprietary technology or AI/ML capabilities are disclosed in available sources.

Name

A.B.S. Global Factoring

Legal name

A.B.S. Global Factoring AG

Website

https://abs-global-factoring.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

A.B.S. Global Factoring AG is a bank-independent German factoring and BNPL provider founded in 1996, serving SMEs (Mittelstand), startups, healthcare providers, logistics firms, and exporters across Germany, Austria, Switzerland, Slovenia, Poland, Sweden, and the Netherlands with full-service receivables financing and debtor management.

Ownership category

akta.pro rank

Product category

Commercial Factoring & Receivables Financing

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing & Factoring (FSAKAGAC), SME & Business Cross-Border Payments (B2B) (FSAMAIAB)

Keywords

• Commercial factoring services
• Receivables financing
• Debt collection services
• Buy now pay later
• SME financing

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Services: A.B.S. purchases outstanding invoices from clients (Full Service Factoring), providing immediate liquidity while taking on debtor management, credit risk, and collection. Revenue generated through factoring fees charged on the transaction volume.
2. Buy Now, Pay Later (quickpaid): Flexible payment financing for business purchases, allowing companies to finance goods at point of invoice with paperless, bank-independent solutions.
3. Debt Collection / Inkasso: Professional debt collection and reminder services provided by receivables experts for clients.
4. Private Medical Billing: Private liquidation services for healthcare providers (GOÄ-experts), handling private medical billing efficiently and discretely.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels8 records

Core offering

A.B.S. Global Factoring is a bank-independent financial services provider that purchases outstanding receivables from small and medium-sized enterprises (SMEs) and provides immediate liquidity under Full Service Factoring, while also assuming debtor management, credit protection, and collections. The firm extends its offering through the quickpaid Buy Now, Pay Later (BNPL) product for B2B purchase and sales financing, private medical billing (Privatabrechnung) for healthcare providers through GOÄ experts, professional debt collection (Inkasso), cross-border factoring, and financial advisory. Services are delivered via online customer portals and direct consultation across multiple European markets.

Product overview

A.B.S. Global Factoring operates as a bank-independent financial services provider offering a unified platform of liquidity solutions for small and medium-sized enterprises (SMEs) and healthcare service providers. The core product is Full Service Factoring, which provides immediate liquidity through receivable sales, combined with full debtor management support. The portfolio includes complementary add-on modules such as default protection, credit checking, dunning and collection services, and cross-border factoring capabilities. The quickpaid sub-brand extends Buy Now, Pay Later financing options for merchandise purchases. Healthcare-specific services include private medical billing through GOÄ experts. The service architecture combines the main factoring platform with dedicated portals for customers (A.B.S. Kundenportal), document upload (Belegupload), and the quickpaid BNPL ecosystem with its own customer and broker portals.

Differentiator

Problem solved

Functional benefit

Brands

• quickpaid: Buy Now, Pay Later (BNPL) financing solution offered by A.B.S. for purchasing finance and sales finance.

Products and services

• Full Service Factoring Core factoring service where businesses sell their open receivables to A.B.S. for immediate liquidity, reduced default risk, and full support in debtor management (including dunning, collection, and credit checking). Designed for SMEs and mid-market companies across DACH and broader Europe that need working capital financing as an alternative to traditional bank loans.
• quickpaid (Buy Now, Pay Later) Buy Now, Pay Later solution enabling businesses to finance merchandise purchases directly upon invoice receipt (Einkaufsfinanzierung) and to offer sales financing to their customers (Absatzfinanzierung). Provides flexibility, paperless processing, and independence from traditional bank financing through a dedicated platform with customer and broker portals.
• Privatabrechnung (Private Medical Billing) Private billing service for healthcare providers, handing over private medical billings to GOÄ (Gebührenordnung für Ärzte) experts for efficient, discreet, and economically solid processing. Targets physicians and healthcare service providers in Germany facing administrative overhead from private medical billing.
• Inkasso (Debt Collection) Professional dunning and debt collection services provided by receivables experts, executed professionally, empathetically, and enforceable worldwide. Serves businesses seeking external recovery of overdue receivables from debtors.
• Cross Border Factoring International factoring service enabling businesses to sell receivables across borders to global customers. Addresses international payment risks, currency exposure, and complex cross-border debtor management for export-oriented European businesses.
• Finanzberatung (Financial Advisory) Financial consulting service for businesses seeking expert guidance on financing solutions, capital structure optimization, balance sheet improvement, and working capital management. Provided as part of A.B.S.'s broader financial services portfolio for SME clients.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• CleanHubminorOthersA.B.S. partners with CleanHub as part of their #HauptsacheFlüssig sustainability initiative. For each video submitted to the campaign, A.B.S. donates 25 euros to CleanHub, which works to combat ocean plastic pollution. This is a charitable sustainability partnership focused on environmental impact rather than commercial gain.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Coface SA: Coface is a global leader in trade credit insurance and factoring, directly competing with A.B.S. in full-service receivables financing for SMEs across Europe including Germany. It operates a comparable bank-independent model with similar debtor management and credit protection offerings, but at materially larger scale.
• Allianz Trade (formerly Euler Hermes): Euler Hermes / Allianz Trade is the world's largest trade credit insurer and a major European factor, headquartered in Germany. It directly competes with A.B.S. on receivables finance, debtor credit protection, and cross-border factoring for the German Mittelstand and broader European SME market.
• Bibby Financial Services: Bibby Financial Services is a UK-headquartered international factoring and invoice discounting provider serving SMEs in 12+ European markets including Germany. Its full-service factoring, cross-border receivables finance, and industry-specialized verticals (transport, healthcare, manufacturing) closely mirror A.B.S.'s product positioning.
• VR Factorem GmbH: VR Factorem is the factoring subsidiary of the German cooperative banking group (Volksbanken Raiffeisenbanken) and is a direct in-market competitor for SME receivables finance in Germany. It offers full-service factoring, default protection, and debtor management services comparable to A.B.S.'s core offering, though with bank-affiliated funding.

Broad incumbents

• Grenke AG: Grenke is a publicly-listed German SME financing specialist focused on leasing, factoring, and business credit for small businesses across Europe. It operates in many of the same DACH+ markets as A.B.S. with overlapping SME receivables and BNPL-style purchase financing customers, though leasing dominates its mix.
• UniCredit Factoring: UniCredit operates a pan-European factoring network serving SME and corporate clients across Germany, Austria, Italy, and Central Europe. It is a broad incumbent competitor to A.B.S. with bank-affiliated funding and deeper balance sheet, competing on cross-border factoring and supply chain financing for the Mittelstand.

Regional players

• Tatra-Leasing (SLSP group): Tatra-Leasing is the Slovak factoring and leasing arm of Slovenská sporiteľňa (Erste Group), with strong Central European operations including Slovenia and the Czech Republic. It directly overlaps with A.B.S. on Central European factoring and operates as a regional competitor in markets where A.B.S. has built presence (SI, PL, AT).
• SEB Kort Bank / factoring competitors in Sweden: SEB operates a factoring arm serving Swedish and Nordic SMEs, with comparable full-service receivables finance and international factoring capabilities. It is a regional competitor to A.B.S. in the Nordic market where A.B.S. has expanded with localized websites.

Emerging players

• Riverty (Bertelsmann): Riverty is a Bertelsmann-owned fintech providing BNPL, factoring, and receivables management across Europe. Its BNPL product directly competes with quickpaid, and its invoice management services overlap with A.B.S.'s debtor management modules, making it an emerging cross-channel competitor in the European SME financing stack.
• iwoca Ltd: iwoca is a UK-headquartered fintech providing SMB lending and invoice financing across the UK and Germany. Its invoice financing product is comparable to A.B.S.'s factoring solutions, representing an emerging digital-first competitor in the German SME market with proprietary underwriting technology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCdJS9G322Kl7ME7-kvMVbkw
• LinkedInlinkedin.com/company/abs-factoring-group
• Instagraminstagram.com/absfactoring_group
• Xx.com/abs_factoring

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 A.B.S. Global Factoring