Eurofactor

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.

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

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

• Factoring services
• Leasing services
• Working capital financing
• Receivables management
• B2B commercial finance

Headquarters

HQ city

Oberhaching

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

Revenue model

1. 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.
2. 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

Core 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

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered major and core.

• Merca Leasing GruppemajorStrategic or Co-development Partner · 15 May 2025Crédit 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)coreStrategic or Co-development PartnerFCI 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

Direct 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

• LinkedInlinkedin.com/company/calf-germany
• Facebookfacebook.com/1660793157492410

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 Eurofactor