Eurofactor
Eurofactor is the German branch of Crédit Agricole Leasing & Factoring S.A., providing factoring and leasing solutions to mid-to-large enterprises in the service, trade, and industrial sectors across Germany and Europe.
- Company typePrivate
- Founded1987
- HeadquartersOberhaching, Germany
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Eurofactor does
Eurofactor is the German branch (Niederlassung Deutschland) of Crédit Agricole Leasing & Factoring S.A., a privately held subsidiary of the Crédit Agricole banking group. Founded in 1987 and headquartered in Oberhaching with 101–250 employees, the company provides B2B factoring and leasing solutions to mid-to-large enterprises across the service, trade, and industrial sectors in Germany. It positions itself as one of the leading providers of factoring and leasing in Germany, leveraging the Crédit Agricole parent's capital base and its FCI (Factors Chain International) network membership for cross-border receivables financing across Germany, Belgium, the Netherlands, and France.
The product portfolio comprises four factoring products — Full Service Factoring, Inhouse Factoring, Inhouse Flex Factoring, and Reverse Factoring — managed via the Eurofactor Online (EOL) client portal. The leasing arm offers Leasing & Mietkauf (hire-purchase) and Forfaitierung (non-recourse receivables sale), expanded in May 2025 by the acquisition of Merca Leasing Gruppe, now operating as Crédit Agricole Merca Leasing. Underlying technology stack, APIs, and AI capabilities are not publicly disclosed; the company provides no developer platform and relies on relationship-led distribution.
Revenue is generated through factoring fees structured as a percentage of invoice volume (transaction-fee model) and recurring lease payments. Distribution is consultative and quote-based — clients initiate engagement via an "Angebot anfordern" (Request an Offer) workflow on the corporate website — with marketing primarily through LinkedIn, corporate content, and press releases. No public revenue figures, funding rounds, or detailed financials are disclosed; the company operates as a non-listed subsidiary of Crédit Agricole.
Eurofactor firmographics
Firmographics- Name
- Eurofactor
- Legal name
- Crédit Agricole Leasing & Factoring S.A.
- Website
- https://eurofactor.de
- Company type
- Private
- Founded year
- 1987
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Eurofactor is the German branch of Crédit Agricole Leasing & Factoring S.A., providing factoring and leasing solutions to mid-to-large enterprises in the service, trade, and industrial sectors across Germany and Europe.
- Ownership category
- akta.pro rank
Eurofactor industry classification
Industry- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (522220)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)
Keywords
Where Eurofactor is headquartered
LocationHeadquarters
- HQ city
- Oberhaching
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Eurofactor business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Factoring Services: Provides various factoring solutions including Full Service Factoring, Inhouse Factoring, Inhouse Flex Factoring, and Reverse Factoring. Revenue generated through factoring fees, typically a percentage of invoice volume.
- Leasing Services: Offers equipment leasing and rental solutions through Crédit Agricole Merca Leasing brand. Provides Leasing & Mietkauf (leasing and hire-purchase) products as well as Forfaitierung (forfaiting) services.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Eurofactor product offering
Product offeringCore offering
Eurofactor is a brand of Crédit Agricole Leasing & Factoring S.A.'s German branch (Niederlassung Deutschland), founded in 1987 and headquartered in Oberhaching. It provides factoring solutions (Full Service, Inhouse, Inhouse Flex, and Reverse Factoring) and leasing solutions (Leasing, Mietkauf, and Forfaitierung) to corporate clients, complemented by the Eurofactor Online (EOL) digital platform and the Crédit Agricole Merca Leasing brand. Its offerings are delivered to businesses across Germany, Belgium, the Netherlands, and France as part of the Crédit Agricole group.
Product overview
Eurofactor (a brand of Crédit Agricole Leasing & Factoring S.A.) offers a portfolio of factoring and leasing solutions. The factoring offering includes Full Service Factoring, Inhouse Factoring, Inhouse Flex Factoring, and Reverse Factoring products, supported by the Eurofactor Online (EOL) digital platform. The leasing portfolio comprises Leasing & Mietkauf and Forfaitierung, with the acquired Crédit Agricole Merca Leasing brand (formerly Merca Leasing) expanding the leasing capabilities. The company positions itself as a full-service provider combining intelligent financing solutions with international expertise through its FCI network partnership.
Differentiator
Problem solved
Functional benefit
Brands
- Eurofactor Online (EOL): Online platform for Eurofactor services
Companies that use Eurofactor
Customer profileSegments3 records
Ideal customer profiles2 records
Eurofactor technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Eurofactor partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered major and core.
- Merca Leasing GruppemajorCrédit Agricole Leasing & Factoring completed the acquisition of Merca Leasing Gruppe in Germany in May 2025. The entity was subsequently rebranded to Crédit Agricole Merca Leasing, strengthening the company's position in the German leasing market.
- FCI (Factors Chain International)coreFCI is a global factoring network connecting factoring companies worldwide. Crédit Agricole Leasing & Factoring leverages FCI membership for international expertise and cross-border factoring capabilities, enabling worldwide connectivity for their German and European operations.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Eurofactor competitors and assessment
Company assessmentDirect peers
- abcfinance GmbH: Major German provider of factoring, leasing and credit solutions to SMEs; directly overlaps with Eurofactor's full product suite and target customer segment in the German mid-market.
- DLL (De Lage Landen): Global vendor finance and leasing specialist with strong European presence; competes with Eurofactor's leasing and hire-purchase solutions for asset financing across industrial and trade sectors.
- Deutsche Factoring Bank: German factoring specialist owned by NordLB; competes directly with Eurofactor on domestic and international factoring for German SMEs and mid-market corporates.
- Allianz Trade (Euler Hermes): World leader in trade credit insurance with factoring capabilities, operating across Europe. Competes head-to-head with Eurofactor on full-service and international factoring products for mid-to-large corporates.
- GRENKE AG: German-listed specialist in leasing for SMEs; competes directly with Eurofactor's Crédit Agricole Merca Leasing and Leasing & Mietkauf product lines in the German market.
- BNP Paribas Factor: Factoring division of BNP Paribas with multi-country European operations; competes with Eurofactor on full-service factoring and supply chain finance products for corporates in Germany, France, and Benelux.
- Atradius: European credit insurer offering factoring solutions to mid-market and corporate clients; overlaps with Eurofactor's factoring book and customer segments across DACH and broader Europe.
- Raiffeisen Factor Bank: Austrian-DACH factoring bank under the Raiffeisen Banking Group; competes with Eurofactor on cross-border factoring and DACH regional corporate transactions.
- Coface: Global trade credit insurance and factoring provider operating across Europe; directly competes with Eurofactor in international factoring and credit-related working capital solutions for trade and industrial corporates.
- Société Générale Factoring: Factoring arm of Société Générale with German and pan-European coverage; directly competes with Eurofactor on import/export factoring and reverse factoring products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Eurofactor social profiles
Digital presenceEurofactor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Eurofactor leadership team
Management profileNumber of profiles
Eurofactor subsidiaries and ownership
Company hierarchySubsidiaries1 record
Eurofactor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Eurofactor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Eurofactor
What does Eurofactor do?
Eurofactor is a brand of Crédit Agricole Leasing & Factoring S.A.'s German branch (Niederlassung Deutschland), founded in 1987 and headquartered in Oberhaching. It provides factoring solutions (Full Service, Inhouse, Inhouse Flex, and Reverse Factoring) and leasing solutions (Leasing, Mietkauf, and Forfaitierung) to corporate clients, complemented by the Eurofactor Online (EOL) digital platform and the Crédit Agricole Merca Leasing brand. Its offerings are delivered to businesses across Germany, Belgium, the Netherlands, and France as part of the Crédit Agricole group.
Is Eurofactor a public or private company?
Eurofactor is a private company. It is currently operating.
When was Eurofactor founded?
Eurofactor was founded in 1987. It employs 101 to 250 people.
Where is Eurofactor based?
Eurofactor is headquartered in Oberhaching, Germany, in the Europe region.
How does Eurofactor make money?
Two revenue lines are on record. Factoring Services are the primary driver. The others are leasing Services.
Who are Eurofactor's main competitors?
Direct peers on record are abcfinance GmbH, DLL (De Lage Landen), Deutsche Factoring Bank, Allianz Trade (Euler Hermes), GRENKE AG, BNP Paribas Factor, Atradius, Raiffeisen Factor Bank, Coface and Société Générale Factoring.
Does Eurofactor have an API?
No public API is recorded for Eurofactor.
What industry is Eurofactor in?
Its primary akta.pro industry code is FSABAHAJ, Structured Trade & Export Credit (ECA-backed, Structured Solutions). Its NAICS code is 5222 and its SIC code is 6159.