Commerzfactoring
CommerzFactoring GmbH is a BaFin-regulated, Mainz-based factoring institute and wholly-owned subsidiary of Commerzbank AG that provides non-recourse receivables financing and forfaiting to enterprise corporate clients, processing EUR 19 billion in annual receivables volume across approximately 400 customers in 2024.
- Company typePrivate
- Founded2006
- HeadquartersMainz, Germany
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Commerzfactoring does
CommerzFactoring GmbH is a Mainz-headquartered, BaFin-supervised factoring institute (BAK Nr. 122007) and a wholly-owned subsidiary of Commerzbank AG, founded in 2006. The company provides non-recourse (echtes) receivables financing and forfaiting exclusively to Commerzbank's corporate clients in Germany and abroad, serving enterprises with annual revenues starting from approximately EUR 2.5 million. As of 2024 it held approximately 400 customers and processed EUR 19 billion in annual purchased receivables, ranking it among the largest factoring companies in Germany.
Its product portfolio centers on two core instruments — classic non-recourse factoring (purchasing short-term trade receivables at 80-90% of face value with 100% credit-risk assumption) and CommerzFactoring Forfaitierung (selective non-recourse sales of individual receivables) — supplemented by variants such as silent inter-credit factoring for undisclosed financing within existing credit structures and Smart-Service-Factoring for subsidiary independence and pre-sale carve-outs. Operations are run through the Factorlink Online Platform, a two-factor-authenticated electronic processing system offering same-day liquidity for receivables submitted by 10:00 AM and direct integration with common debtor accounting systems; customer-side effort is described as approximately 15 minutes per day.
The business model is fee- and yield-based: revenue comes from transaction-dependent factoring fees, forfaiting fees and interest on sold receivables, and a risk premium for 100% buyer-insolvency protection (reducible where the customer already holds trade credit insurance). All new business is originated through the Commerzbank branch network's corporate customer division and the bank's 70+ international locations in 50+ countries; pricing is individually negotiated rather than published. Customer satisfaction was reported at 97% (74% extremely or very satisfied) in a March 2024 forsa survey of German and international existing clients.
Commerzfactoring firmographics
Firmographics- Name
- Commerzfactoring
- Legal name
- CommerzFactoring GmbH
- Website
- https://commerzfactoring.de
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CommerzFactoring GmbH is a BaFin-regulated, Mainz-based factoring institute and wholly-owned subsidiary of Commerzbank AG that provides non-recourse receivables financing and forfaiting to enterprise corporate clients, processing EUR 19 billion in annual receivables volume across approximately 400 customers in 2024.
- Ownership category
- akta.pro rank
Commerzfactoring industry classification
Industry- Product category
- Commercial Factoring / Receivables Financing
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
- akta.pro secondary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
Keywords
Where Commerzfactoring is headquartered
LocationHeadquarters
- HQ city
- Mainz
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Commerzfactoring business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Factoring Fees: Earnings from factoring transactions - fees charged for processing receivables and providing non-recourse financing to suppliers. Purchase price is typically 80-90% of receivables value made immediately available.
- Forfaiting Fees: Fees and interest charged on actually sold receivables in forfaiting arrangements. Customers control costs by deciding when and to what extent to sell receivables.
- Risk Premium: Risk fees for 100% protection against buyer insolvency. When customers already have trade credit insurance, the risk premium is reduced as the existing partial coverage is topped up to 100%.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Customized individual pricing based on customer profile and financing needs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Commerzfactoring product offering
Product offeringCore offering
CommerzFactoring GmbH is a factoring institute supervised by BaFin that purchases short-term receivables (from goods deliveries and services) from corporate clients on a non-recourse basis, providing immediate liquidity at 80-90% of the purchase price and assuming 100% of the buyer credit risk. It also offers forfaiting solutions where selected receivables are sold without recourse to finance peak liquidity needs, alongside customized asset-based financing structures combined with Commerzbank AG products.
Product overview
CommerzFactoring GmbH operates as a factoring institute offering a portfolio of receivables financing products, primarily echtes (true non-recourse) Factoring and CommerzFactoring Forfaitierung as core offerings. The company structures customized Asset-Finance Finanzierungslösungen in conjunction with Commerzbank AG, complemented by specialized variants including Stilles Inter-Credit-Factoring for undisclosed financing and Smart-Service-Factoring for subsidiary independence scenarios. Supporting features encompass Liquiditätssteuerung (same-day liquidity up to 80-90% of receivables value), Risikosteuerung (100% credit risk protection), and Kennzahlensteuerung (financial ratio optimization). An electronic processing platform with approximately 15-minute daily usage requirement supports operations, accessible via the Factorlink Online two-factor authenticated portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Echtes Factoring (True Non-Recourse Factoring)
Quantifiable outcome
- 97% customer satisfaction rate (with 74% extremely/very satisfied)
- +3 more outcomes
Companies that use Commerzfactoring
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles1 record
Commerzfactoring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Commerzfactoring partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Commerzbank AGcoreCommerzFactoring is a wholly-owned subsidiary of Commerzbank AG and operates as the factoring arm of the bank. As part of the Commerzbank Group, it structures customized, cross-product asset finance solutions in combination with Commerzbank AG products. The company leverages Commerzbank's corporate client relationships and branch network for distribution.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Commerzfactoring competitors and assessment
Company assessmentDirect peers
- Euler Hermes Factoring: Allianz-owned trade credit insurance and receivables financing business; competes with CommerzFactoring on integrated credit-risk protection plus liquidity for German corporates.
- Coface Finanz GmbH: German arm of the French trade-credit insurer Coface, combining credit insurance with receivables financing — overlaps with CommerzFactoring's risk-protection plus liquidity value proposition.
- Deutsche Factoring Bank: Factoring subsidiary of Deutsche Bank AG, offering true non-recourse factoring and receivables management to German Mittelstand — the closest like-for-like competitor to CommerzFactoring given identical bank-parent distribution model and product set.
- CRONBANK: Subsidiary of Landesbank Hessen-Thüringen (Helaba) offering factoring services in Germany, with similar institutional-bank distribution and Mittelstand focus.
- TARGOBANK Factoring (formerly DSF Factoring): German factoring operation historically linked to Société Générale/BMCE; provides receivables financing to corporate clients through its parent's branch network, comparable in customer profile and product scope.
Broad incumbents
- BNP Paribas Factor: Factoring arm of BNP Paribas serving large corporates and mid-market across Europe; broader product suite but directly comparable on non-recourse receivables financing.
- UniCredit Factoring: Factoring division of UniCredit Group active in Germany and broader CEE — competes for cross-border German Mittelstand receivables financing.
Regional players
- SEB Factoring: Factoring operations of SEB Group serving German and Nordic corporate clients with comparable non-recourse factoring and forfaiting products.
Emerging players
- C2FO: Global working-capital marketplace enabling suppliers to accelerate receivables via buyer-funded early payment; partial functional overlap with forfaiting at the supplier end.
- Billie: Berlin-based B2B fintech offering invoice financing and buy-now-pay-later for SMEs; represents the digital-native competitive threat to traditional bank-owned factoring players.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Commerzfactoring social profiles
Digital presenceCommerzfactoring compliance and trust
Trust signalCompliance1 record
Commerzfactoring financial estimates
Financial estimateRevenue estimate
Valuation estimate
Commerzfactoring leadership team
Management profileNumber of profiles
Profiles2 records
Commerzfactoring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Commerzfactoring 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 Commerzfactoring
What does Commerzfactoring do?
CommerzFactoring GmbH is a factoring institute supervised by BaFin that purchases short-term receivables (from goods deliveries and services) from corporate clients on a non-recourse basis, providing immediate liquidity at 80-90% of the purchase price and assuming 100% of the buyer credit risk. It also offers forfaiting solutions where selected receivables are sold without recourse to finance peak liquidity needs, alongside customized asset-based financing structures combined with Commerzbank AG products.
Is Commerzfactoring a public or private company?
Commerzfactoring is a private company. It is classified as corporate owned and is currently operating.
When was Commerzfactoring founded?
Commerzfactoring was founded in 2006. It employs 11 to 50 people.
Where is Commerzfactoring based?
Commerzfactoring is headquartered in Mainz, Germany, in the Europe region.
How does Commerzfactoring make money?
Three revenue lines are on record. Factoring Fees are the primary driver. The others are forfaiting Fees and risk Premium.
Who are Commerzfactoring's main competitors?
Direct peers on record are Euler Hermes Factoring, Coface Finanz GmbH, Deutsche Factoring Bank, CRONBANK and TARGOBANK Factoring (formerly DSF Factoring). Broad incumbents are BNP Paribas Factor and UniCredit Factoring. SEB Factoring is listed as a regional player. Emerging players are C2FO and Billie.
Does Commerzfactoring have an API?
No public API is recorded for Commerzfactoring.
What industry is Commerzfactoring in?
Commerzfactoring's product category is Commercial Factoring / Receivables Financing. Its primary akta.pro industry code is FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting), with a secondary code of FSAGAJAB, Invoice Financing, Factoring & Receivables Management. Its NAICS code is 5222 and its SIC code is 6153.