What BPER Factor does

BPER Factor S.p.A. is an Italian factoring company headquartered in Bologna, founded in 1994 and wholly owned by BPER Banca since November 2021. The company provides asset-side and liability-side factoring services to Italian enterprises, including pro solvendo (with-recourse) factoring, pro soluto (without-recourse) factoring in three variants (guarantee-only, standard, and full licence with balance-sheet removal), export factoring via international correspondents, medium/long-term receivables financing (12-60 months), maturity factoring, VAT receivables advances, reverse factoring, and confirming. It serves two primary segments: Italian suppliers seeking working-capital release and risk coverage on trade receivables, and medium-to-large buyers using reverse factoring and confirming to optimize payment terms and supply-chain financing; secondary segments include exporters, public-sector suppliers, and companies with installment receivables. The company is registered as a financial intermediary under Article 106 of the Italian Consolidated Law on Banking (T.U.B.) with registration number 9.

The core operational technology is WIP (Webfactoring Interactive Platform), a proprietary web-based portal that digitizes the full factoring cycle including contract signing, receivables assignment, and debtor acknowledgement, integrating InfoCert remote digital signature services for legal validity and supporting mobile and tablet access. Distribution combines five direct commercial branches (Milan, Padua, Ancona, Rome, Naples), five embedded commercial points within BPER Banca branches (Brescia, Turin, Pescara, Bari, Catania), and the WIP self-serve digital channel, with referral flow from the parent bank's national branch network.

BPER Factor monetizes through transaction-based fees: factoring commissions on the amount of assigned receivables (varying by service type, sector, payment deferral, and counterparty solvency), interest on advance payments made before maturity, single commissions for guarantee-only pro soluto services, and upfront trade discounts applied to the nominal value of receivables under the full-licence product. The company is a member of Assifact (Italian Factoring Association) and partners with SACE for state-guaranteed factoring products and with an international trade-credit insurance provider for export receivables management.

Name

BPER Factor

Legal name

BPER Factor S.p.A.

Website

https://bperfactor.it

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

BPER Factor S.p.A. is an Italian factoring company, wholly owned by BPER Banca since 2021, providing pro solvendo, pro soluto, export, reverse factoring, and confirming services to Italian enterprises via a proprietary digital platform (WIP) and a national branch network.

Ownership category

akta.pro rank

Product category

Factoring Services

NAICS

Other Activities Related to Credit Intermediation (522390)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industry

Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Trade receivables financing
• Factoring services
• Reverse factoring
• Supply chain financing
• Credit risk management

Headquarters

HQ city

Bologna

HQ country

Italy

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Factoring Commission: A commission applied on the amount of assigned receivables. Its size varies based on the service used (with or without guarantee), type of receivables (sector, payment schedule, deferral length), operation amount, and solvency of the parties involved. This is the primary revenue stream for most factoring services.
2. Interest on Advance Payments: An interest rate applied on any advance financial payment made to the supplier before the receivables' maturity date. Applicable across pro soluto, pro solvendo, maturity, export, and medium/long-term factoring products.
3. Commission – Guarantee Only Service: A single commission applied on assigned receivables for the 'sola garanzia' (guarantee-only) service, where no advance payment is made but BPER Factor assumes the debtor insolvency risk.
4. Trade Discount (Sconto Commerciale): For the full licence (acquisto a titolo definitivo) pro soluto product, both interest and commission are withheld upfront by applying a trade discount formula on the receivables' nominal value.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

BPER Factor S.p.A. is an Italian factoring company that provides trade receivables financing and management services to businesses. Its offering covers asset management products (pro soluto and pro solvendo factoring, export factoring, maturity factoring, medium/long-term receivables, VAT advances) and liability management products (reverse factoring, confirming, maturity with deferment). The WIP (Webfactoring Interactive Platform) enables end-to-end digital management of factoring operations, including contract signing, receivables assignment, and debtor acknowledgement using InfoCert digital signatures.

Product overview

BPER Factor offers a comprehensive factoring platform centered on WIP (Webfactoring Interactive Platform), a digital portal enabling customers to manage all factoring operations including contract signing, credit assignment, and debtor acknowledgment. The product portfolio includes Asset Management services (Pro Solvendo, Pro Soluto in three variants—Solo Garanzia, Standard, and Titolo Definitivo, Export Factoring, Medium/Long-Term Receivables, Maturity Factoring, and VAT Advances) and Liability Management services (Reverse Factoring, Maturity with Deferment, and Confirming). Services are offered in both pro soluto (without recourse) and pro solvendo (with recourse) modalities, with options for advance payments and solvency guarantees. WIP digitizes the entire operational cycle and uses InfoCert digital signature services for legal validity.

Differentiator

Problem solved

Functional benefit

Brands

• WIP (Webfactoring Interactive Platform): A digital platform for web-factoring that allows customers to manage operations in total autonomy, from contract signing to credit assignment and debtor acknowledgement.

Products and services

• WIP (Webfactoring Interactive Platform) A proprietary web-based platform enabling business customers to autonomously manage the full factoring operations cycle, including contract signing, credit assignment, debtor acknowledgement, and payment monitoring. Accessible on mobile and tablet. Uses InfoCert remote digital signature services for legally valid paperless processing.
• Pro Solvendo (Factoring with Recourse) Financial product that allows companies to obtain additional credit facilities or alternatives to self-liquidating bank credit lines by continuously transferring receivables to BPER Factor while retaining debtor insolvency risk. Companies retain risk of debtor default but gain access to advance payments.
• Pro Soluto Solo Garanzia (Nonrecourse Factoring - Guarantee Only) Service where BPER Factor assumes the risk of non-payment of receivables without requiring an advance payment, providing only a solvency guarantee. Designed for suppliers that need risk protection without immediate liquidity needs.
• Pro Soluto Standard (Nonrecourse Factoring - Standard) Nonrecourse factoring service in which BPER Factor assumes the risk of non-payment of receivables within a revolving credit limit, including recovery activities for unpaid secured receivables. Combines risk coverage with revolving credit access.
• Pro Soluto con Acquisto a Titolo Definitivo (Nonrecourse Factoring - Full License) Definitive purchase of receivables using a trade discount formula, transferring credit risk to BPER Factor and allowing receivables removal from the balance sheet to improve financial ratios. Costs (interest and commission) are withheld upfront.
• Export Factoring Factoring services for foreign receivables with risk coverage for non-payment, operated through local correspondents and international insurance partnerships. Enables Italian exporters to manage cross-border receivables and mitigate foreign debtor default risk.
• Crediti a M/L Termine (Medium to Long-Term Receivables) Enables companies to transfer default risk and liquidate receivables from individual supplies with installment payments ranging from 12 to 60 months. Designed for businesses with multi-year installment payment arrangements that need to monetize long-duration credits.
• Maturity Factoring Receivables are paid to the supplier at the natural maturity date by BPER Factor, providing cash flow certainty, with the option of granting further deferral to the debtor. Suitable for companies needing certainty of collection timing.
• Anticipo IVA (Advance on VAT) Transfer of annual or quarterly VAT receivables to BPER Factor with management, advance payment, and optional pro soluto guarantee. Helps businesses accelerate VAT credit monetization.
• Reverse Factoring Service based on agreement between BPER Factor and medium-to-large buyers, allowing suppliers to access dedicated credit lines with buyer collaboration. Supports supply chain financing by enabling buyers to extend payment terms while ensuring supplier liquidity.
• Maturity con Dilazione (Maturity with Deferment) Receivables are paid at natural maturity to the supplier, with BPER Factor collecting from the debtor and granting an additional deferral period. Provides suppliers with payment certainty while supporting buyers' extended payment terms.
• Confirming Tool facilitating treasury relationships between buyer and suppliers through the WIP platform, allowing suppliers to immediately collect receivables from BPER Factor. Optimizes buyer's payable cycle while supporting supplier liquidity.

Quantifiable outcome

• Companies can free up resources immobilized in working capital
• +4 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered moderate and core.

• Assifact (Associazione Italiana per il Factoring)moderateOthersBPER Factor is a member of Assifact, the Italian Factoring Association. Assifact represents and promotes the Italian factoring industry, sets professional standards, and provides a platform for industry networking and development. BPER Factor's logo is displayed on the website under 'Le nostre Partnership'.
• InfoCertcoreTechnology or IntegrationInfoCert provides remote digital signature services integrated into the WIP (Webfactoring Interactive Platform). This enables BPER Factor to offer legally valid digital contract signing, eliminating paper-based processes and enabling fully digital end-to-end factoring operations.
• International Credit Insurance / Trade Receivables Insurance PartnersmoderateStrategic or Co-development PartnerBPER Factor has a 'consolidated collaboration with an international company specialized in insurance for trade receivables' for export factoring services. This partner enables rapid debtor assessment, administrative management, and recovery actions (in-court and out-of-court) for foreign receivables.
• SACEmoderateStrategic or Co-development PartnerBPER Factor offers a 'Factoring Pro Solvendo con Garanzia SACE' product, integrating SACE (Italy's export and investment insurance agency) guarantee into its factoring offering. This enables the company to offer enhanced risk coverage on receivables, particularly relevant for international and high-value transactions.

Scale indicators4 records

Recent moves10 records

Expansion highlights4 records

Direct peers

• Mediofactoring: Mediobanca group factoring entity, historically one of Italy's largest factoring companies. Closely comparable on product mix, customer segments, and bank-affiliated distribution model.
• Banca Ifis: Italian bank with a dedicated factoring and NPL business line. Directly comparable as a bank-affiliated player offering pro soluto and pro solvendo services to Italian SMEs and corporates.
• Credem Factor: Credito Emiliano group's factoring subsidiary. Comparable bank-affiliated mid-tier Italian factor with full pro soluto / pro solvendo product range and regional Italian distribution.
• Ifitalia: BNL/BNP Paribas-affiliated Italian factoring leader. Directly comparable to BPER Factor as a bank-owned factoring intermediary serving Italian SMEs and corporates with pro soluto, pro solvendo, and export factoring products.
• BCC Factoring: Factoring entity serving the cooperative credit (BCC) banking network in Italy. Comparable in serving SME suppliers and offering both advance and guarantee products, with a similar bank-network distribution model.

Emerging players

• Tinto Factoring: Independent Italian factoring company serving SMEs with pro soluto and pro solvendo services. Comparable mid-tier factor with a similar product mix and Italian SME customer focus.
• illimity Bank: Italian digital-native bank offering factoring and corporate credit via its b-ilty platform. Comparable as an emerging digital-native competitor targeting the same SME working-capital segment.
• Workinvoice: Italy-based digital marketplace for receivables and dynamic discounting. Comparable as an emerging digital-first alternative attacking the SME supplier financing market traditionally served by factors like BPER Factor.

Broad incumbents

• SACE FCT: SACE-supported factoring entity focused on export and trade receivables. Comparable on the export factoring and credit-insurance-backed product range that BPER Factor also offers via its SACE partnership.
• UniCredit Factor (now Credito Fondiario / integrated): UniCredit group's historical factoring arm, integrated into the parent bank. Comparable as a large bank-affiliated competitor with broad product range and pan-Italian branch distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bperfactor

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 BPER Factor