What Sberbank Factoring does

Sberbank Factoring (OOO «Sberbank Faktoring», operating as SberFaktoring) is a Moscow-based, wholly-owned subsidiary of Sberbank, Russia's largest bank, providing receivables financing (factoring) to Russian suppliers and manufacturers that sell goods or services on deferred payment terms. As of Q1 2026 the company reported 619 billion rubles in cumulative financing paid out, 2,140 active clients, 1,066 active debtors, and 422,000 financed supplies, with cumulative business financing crossing 2 trillion rubles by October 2025. Its product set spans Fast Financing (cash within 1 hour of supply), Debtor Receivables Return Service, Procurement Funding / Agency Factoring, and a 'Development' product aimed at large industrial enterprises; it also runs a subsidized Moscow SMB program and cross-border factoring capabilities now extended into India.

The underlying technology is a cloud-based, containerized online platform (online.sberfactoring.ru) that handles the end-to-end factoring workflow — application, contract signing, supply data ingestion, financing disbursement, and ongoing monitoring — without requiring collateral and supporting financing of up to 100% of supply value with deferral extensions of up to 365 days. Supporting infrastructure includes a NORBIT-implemented CRM, a Naumen-based unified ITSM and infrastructure management system, Kaspersky Container Security, and an API listed on the Sber Developer portal (api.developer.sber.ru/product/SberFaktoring) for ERP and accounting integrations. The technology stack is shared with the broader Sber ecosystem, reinforcing both operational leverage and switching frictions for clients.

SberFaktoring generates revenue primarily through transaction-fee commissions on financed receivables, starting at 1.5% per month with no additional commissions, supplemented by fees from debtor recovery services. Its go-to-market combines self-serve online acquisition (website, product quiz, factoring calculator, online platform), inside sales via dedicated phone lines, and direct cross-selling through Sberbank's corporate banking branch network — with the application flow explicitly asking whether the applicant already holds a Sberbank settlement account. Customer segments are horizontally diversified across enterprise, mid-market, and SMB tiers in industries spanning beverages, woodworking, glass packaging, metals, agriculture, plastics, and construction services. Distribution is domestic plus a new India franchise, with explicit expansion into international settlement markets.

Name

Sberbank Factoring

Legal name

OOO «Sberbank Faktoring»

Website

https://sberbank-factoring.ru

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

Sberbank Factoring is a Moscow-based, Sberbank-owned factoring subsidiary providing receivables financing to Russian suppliers, manufacturers, and buyers through a cloud-based online platform, with cross-border expansion into India.

Ownership category

akta.pro rank

Product category

Commercial Finance / Factoring Services

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Factoring services
• Accounts receivable financing
• Working capital finance
• Supplier financing
• Deferred payment solutions

Headquarters

HQ city

Moscow

HQ country

Russia

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 Commission (Transaction Fees): SberFaktoring earns revenue through commissions charged on factoring transactions. The commission rate starts from 1.5% per month, calculated on the outstanding invoice amount. Additional revenue may come from various service fees associated with factoring operations such as credit investigation, document processing, and debt collection services. The company also provides a service for debt recovery (debtor receivable return service) which generates additional fee income.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

Sberbank Factoring (SberFaktoring) provides B2B factoring services to Russian suppliers, manufacturers, and buyers transacting on deferred-payment terms. Its core offering is immediate working-capital financing against confirmed receivables — delivered through named products (Быстрое финансирование / Fast Financing, Сервис возврата дебиторки / Debtor Receivables Return Service, Деньги на закупку / Agency Factoring, and the «Развитие» product for large industrial enterprises) — executed end-to-end on its in-house online platform that issues financing within 1 hour of supply submission for up to 100% of invoice value, with no collateral and no upper financing limit.

Product overview

Sberbank Factoring operates as a factoring company offering a unified platform with multiple integrated products for suppliers and buyers. The core offering includes: Fast Financing (Быстрое финансирование) for immediate funding after supply delivery, Debtor Receivables Return Service for debt recovery, and Procurement Funding/Agency Factoring for purchasing raw materials. The online platform (СберФакторинг Онлайн) serves as the digital hub enabling flexible financing cycle management, automatic supply data uploads, and 24/7 financing monitoring. Factoring terms include up to 100% financing from supply value, unlimited payment deferral options, and no restrictions on financing limits. Self-service tools like the factoring calculator complement the product suite. The company primarily targets suppliers, contractors, and manufacturers selling on deferred payment terms in the Russian market, with expansion into international markets including India.

Differentiator

Problem solved

Functional benefit

Products and services

• Fast Financing (Быстрое финансирование) A core factoring product for suppliers delivering goods or services on deferred payment terms, providing immediate cash (within 1 hour of supply submission) of up to 100% of the supply value, from 1 million rubles, at a commission from 1.5% per month, with no collateral and no additional commissions.
• Debtor Receivables Return Service (Сервис возврата дебиторки) A service for recovering accounts receivable from debtors who delay or default on payments, sold as a standalone offering to clients using SberFaktoring's financing and generating additional fee-based revenue for the company.
• Procurement Funding / Agency Factoring (Деньги на закупку / Агентский факторинг) A factoring product that provides suppliers with funds specifically for procurement, enabling them to purchase raw materials or goods needed to fulfill orders ahead of delivery and payment.
• Product «Развитие» (Development Product) A factoring product designed for large-scale industrial enterprises (evidenced via case study use by a large metalworking company), supporting business growth and working capital needs at enterprise scale.
• SberFaktoring Online Platform (СберФакторинг Онлайн) The dedicated online platform (online.sberfactoring.ru) through which the entire factoring process — application submission, decision, digital contract signing, automatic upload of supply and invoice data, financing within 1 hour, and ongoing financing management — is executed, providing a fully online self-serve experience for both suppliers and buyers.

Quantifiable outcome

• Financing disbursed within 1 hour of supply submission
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• NaumencoreTechnology or Integration · 15 June 2026SberFaktoring implemented a unified IT service management and infrastructure management system built on Naumen solutions. This enables the company to manage services, infrastructure, and operations at scale, supporting the growing volume of factoring transactions and client base.
• SberbankflagshipStrategic or Co-development Partner · 1 April 2026Sberbank launched factoring services in India through SberFaktoring, marking an international expansion of the factoring business into a new market. This reflects Sberbank's strategic use of SberFaktoring as the vehicle for its cross-border factoring ambitions, particularly in the India–Russia trade corridor.
• Kaspersky Lab (Лаборатория Касперского)coreTechnology or Integration · 23 March 2026Kaspersky Lab provided Kaspersky Container Security to enhance the security of SberFaktoring's containerized applications and cloud infrastructure, protecting sensitive financial data and transaction processing systems from cybersecurity threats.
• NORBIT (НОРБИТ)coreTechnology or Integration · 7 August 2025SberFaktoring migrated to a new CRM system developed and implemented by NORBIT, a Russian IT company and member of the Sber ecosystem. The new CRM enables improved customer relationship management, sales pipeline tracking, and more efficient client servicing across the factoring business.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz Trade (Euler Hermes): Global leader in trade credit insurance and receivables management. A broad incumbent offering factoring-adjacent services including debtor risk assessment and receivables purchasing, comparable in customer base and product set.
• Coface: Global trade credit insurer that also provides factoring and receivables management services. Comparable in covering the buyer-side risk that underpins factoring economics, though it is broader in scope than SberFaktoring's domestic focus.
• BNP Paribas Factor: Global factoring franchise of BNP Paribas, one of the largest factoring providers worldwide. Comparable product suite (invoice financing, receivables management) and useful as a global benchmark for technology, scale, and cross-border capability.

Emerging players

• Tinkoff Business (T-Bank): Digital-only Russian bank with growing SMB lending and receivables products. An emerging fintech competitor attacking the same SME factoring segment with a digital-first, mobile-led product experience.

Direct peers

• VTB Factoring (VTB Group): Factoring subsidiary of VTB, Russia's second-largest state-owned bank. Closest direct competitor to SberFaktoring in the Russian market with similar captive corporate client base, government-linked buyer relationships, and broad factoring product set.
• PSB-Factoring (Promsvyazbank): Factoring arm of Promsvyazbank, a Russian state-owned bank focused on defense and large corporates. Directly comparable in serving Russian suppliers and manufacturers with deferred-payment working capital needs.
• Alfa-Bank Factoring: Factoring arm of Alfa-Bank, one of Russia's largest privately-owned banks. Direct competitor across SME and corporate factoring with overlapping target client base of suppliers selling on deferred payment terms.
• Raiffeisenbank Russia: Russian subsidiary of Raiffeisen Bank International, offering factoring among its corporate banking services. Direct competitor for corporate clients in Russia, though constrained by its parent's exposure to European sanctions.
• Gazprombank Factoring: Factoring subsidiary of Gazprombank, the third major Russian state bank. Competes for the same supply-chain financing volume, particularly with industrial and energy-sector suppliers and buyers.

Regional players

• EXIMBANK of Russia (VEB.RF factoring unit): State development institution providing export and trade finance, including factoring tied to Russian exporters. Comparable in targeting cross-border receivables financing in sanctioned-market corridors, and a potential India-corridor peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sberfactoring
• LinkedInlinkedin.com/company/sberbank-factoring

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Sberbank Factoring