National Factoring Company

Name

National Factoring Company

Legal name

OOO Sovkombank Faktoring (Совкомбанк Факторинг)

Website

https://factoring.ru

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Commercial Factoring & Receivables Finance

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

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

akta.pro secondary industries

Invoice Financing, Factoring & Receivables Management (FSAGAJAB), Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Factoring services
• Accounts receivable financing
• Supply chain finance
• Non-recourse factoring
• Reverse factoring

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices19 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-based revenue calculated as percentage of transaction amount. Commission starts from КС +0.5% from supply amount for 30-day deferral period. Interest on advance payment typically around 15% annual rate. Commission for service typically 3% of annual revenue.
2. Financing Interest: Interest income from financing advances provided to clients. Advance payment typically 70-90% of invoice value. Interest calculated on outstanding balance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

National Factoring Company (Sovcombank Factoring) provides factoring, credit risk protection, and accounts receivable management services to Russian businesses. Its core offering includes recourse and non-recourse factoring, reverse (purchasing) factoring, agent factoring, and a buyer guarantee product, supported by a digital E-Factoring platform that enables online supply registration, electronic document exchange, and real-time financing requests. Financing is provided as an advance (typically 70–100% of invoice value) against assigned receivables, with payment deferral up to 120 days.

Product overview

Совкомбанк Факторинг (National Factoring Company) operates as a diversified factoring service provider offering a suite of products on a single integrated platform. The core portfolio includes three principal factoring instruments — Factoring with Recourse, Non-recourse Factoring, and Purchasing (Reverse) Factoring — alongside an electronic service layer (E-Factoring digital platform), Agent Factoring, and Buyer Guarantee. The E-Factoring platform serves as the central digital channel enabling real-time supply registration, electronic document management, and online financing requests. Products are targeted at both suppliers (working capital financing) and buyers (extended payment terms), and the company serves across 18 offices throughout Russia.

Differentiator

Problem solved

Functional benefit

Brands

• E-Factoring (е-Факторинг): Web-based platform for submitting applications and obtaining quick financing, featuring 100% legal validity through digital signatures and 24-hour application review.
• Purchasing Factoring (Закупочный факторинг)
• Non-Recourse Factoring (Факторинг без регресса)
• Recourse Factoring (Факторинг с регрессом)

Products and services

• Non-Recourse Factoring (Факторинг без регресса)
• Recourse Factoring (Факторинг с регрессом)
• Purchasing (Reverse) Factoring (Закупочный факторинг)
• E-Factoring Digital Platform (Е-Факторинг)
• Agent Factoring (Агентский факторинг)
• Buyer Guarantee (Поручительство за покупателей)

Quantifiable outcome

• Up to 100% financing of supply amount
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core, minor and major.

• Sovcombank GroupcoreStrategic or Co-development PartnerSovcombank Factoring (LLC) is a subsidiary of Sovcombank Group. The company is part of one of Russia's largest banking groups, providing strong financial backing, capital access, and cross-selling opportunities. Sovcombank is a diversified financial institution serving millions of clients across Russia.
• Association of Factoring Companies (AFK)minorOthersMember of the Association of Factoring Companies, the industry self-regulatory organization for factoring companies in Russia.
• PAO NLMK (Novolipetsk Iron and Steel Corporation)majorStrategic or Co-development PartnerSpecial preferential factoring program for NLMK suppliers and contractors. Financing provided from NLMK's credit limit without analyzing supplier's financial condition. Simplified documentation requirements and quick decisions. Electronic document exchange through Diadoc or personal account.

Scale indicators4 records

Recent moves1 record

Expansion highlights6 records

Broad incumbents

• PrimeRevenue: Large global supply chain finance platform offering reverse factoring and receivables programs to enterprise buyers. Comparable in reverse factoring product mechanics and large-anchor-buyer model that mirrors NFC's NLMK-style partnerships.
• HSBC Trade and Supply Chain Finance: Global incumbent offering receivables finance, factoring, and supply chain finance products across multiple geographies. Comparable as a reference benchmark for how a broad-bank factoring franchise competes with a specialized national factorer like NFC.

Direct peers

• VTB Factoring: Factoring arm of VTB Group, another major Russian state bank. Operates a parallel factoring franchise serving large corporate buyers and their supplier networks, directly competing with NFC's enterprise and reverse-factoring products.
• Gazprombank Factoring: Factoring operations of Gazprombank, serving large industrial and energy-sector suppliers and buyers. Comparable in product breadth and in targeting large enterprise reverse-factoring programs similar to NFC's NLMK partnership.
• Promsvyazbank: Russian systemically important bank providing factoring services to SMEs and large corporates, with comparable product set (recourse, non-recourse, reverse) and overlap with NFC in the Russian supplier-finance market.
• Sberbank Factoring: Factoring subsidiary of Sberbank, Russia's largest bank. Directly competes with National Factoring Company in recourse, non-recourse, and reverse factoring, and benefits from Sberbank's unmatched corporate client base.
• Alfa-Bank: One of Russia's largest privately-owned banks offering factoring and supply-chain finance products to corporate clients, including recourse/non-recourse and reverse factoring lines that overlap directly with NFC's portfolio.

Regional players

• Raiffeisenbank Russia: Russian subsidiary offering factoring and trade-finance products to local corporate clients with European banking heritage. Competes in the same Russian factoring market as NFC but with international DNA.

Emerging players

• C2FO: Global working capital marketplace connecting buyers and suppliers via early-payment / dynamic discounting. Adjacent peer illustrating where NFC's E-Factoring platform could evolve as a digital marketplace for Russian trade credit.
• Taulia (a SAP company): Supply-chain finance / dynamic discounting platform serving global enterprises and their suppliers. Comparable to NFC's E-Factoring digital platform in delivering technology-led working capital solutions, though operating internationally rather than Russia-only.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 National Factoring Company