What Eurofactor does

Eurofactor Hispania, S.A. is a Madrid-headquartered factoring company operating in Spain since 1990 and currently structured as a wholly-owned subsidiary of Crédit Agricole Leasing & Factoring, itself wholly owned by the Crédit Agricole Group. The company provides a full suite of factoring products: comprehensive full factoring, export factoring, import factoring, recourse factoring, promissory-note factoring (pagarés), management-mandate factoring (mandato de gestión), multilocal factoring for multinational groups, and CA Confirming for outsourced supplier payment management. Financing advances are delivered within 24-48 hours of remittance submission, with up to 100% insolvency coverage under non-recourse structures.

The underlying technology stack centers on Eurofactor Online (EOL), a proprietary client portal that provides real-time visibility into ceded portfolios, individual credit status, and remittance submission, supplemented by an electronic remittance system supporting both electronic and physical documentation. International reach is delivered through direct CAL&F group presence in eight European countries plus Morocco and through bidirectional correspondent relationships via Factor Chain Internacional, which provides access to approximately 300 correspondents in more than 60 countries. The company holds Spanish public limited company status, is registered in the Mercantile Registry of Madrid, and is GDPR-compliant under Crédit Agricole Leasing & Factoring Spain as data controller.

Eurofactor generates revenue through transaction-based commissions on factoring services, interest spreads on financing advances to clients against ceded receivables, and transaction fees from CA Confirming engagements. Go-to-market is enterprise field sales executed by dedicated commercial managers in Madrid and Barcelona, supplemented by a corporate website, social media presence, and a structured contact form. Customer segments span Spanish domestic businesses, exporters, importers, multinational groups with European operations, and medium-to-large enterprises using CA Confirming for supplier payment outsourcing. Pricing follows a published tariff schedule for maximum commissions, with specific commercial terms negotiated bilaterally.

Name

Eurofactor

Legal name

Eurofactor Hispania, S.A.

Website

https://eurofactor.es

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

Eurofactor Hispania is a Madrid-based factoring subsidiary of Crédit Agricole Leasing & Factoring, offering domestic and international receivables financing, CA Confirming supplier payment outsourcing, and a proprietary EOL client portal to Spanish businesses, exporters, importers, and multinational groups operating across Europe and the Magreb.

Ownership category

akta.pro rank

Product category

Commercial Factoring and Receivables Finance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

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

Keywords

• Commercial factoring services
• Reverse factoring solutions
• Supply chain finance
• Export import factoring
• Accounts receivable financing

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices3 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 Commissions: Fees charged for the comprehensive factoring service encompassing portfolio administration, collection management, and insolvency coverage. Commission rates are applied based on the services utilized and client profile.
2. Financing / Interest on Advances: Interest accrued on advance payments made to clients against their ceded receivables. Financing is provided within 24-48 hours of remittance submission, with interest charged monthly on the amount and duration of the advance.
3. CA Confirming Fees: Revenue derived from offering large enterprises the ability to outsource supplier payment management, providing financing options to their suppliers through Eurofactor's processing of received invoice relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Eurofactor provides factoring and reverse factoring services that combine financing of accounts receivable, debt collection management, and insolvency risk coverage for Spanish businesses. Its product suite includes full factoring, export and import factoring, promissory notes financing, management mandate, multi-local facilities, recourse factoring, and CA Confirming, all accessible through the proprietary Eurofactor Online (EOL) platform. The company primarily serves medium and large enterprises, multinational groups, exporters, importers, and suppliers to public administrations.

Product overview

Eurofactor offers a comprehensive portfolio of factoring solutions primarily for businesses in Spain and internationally. The product lineup consists of Eurofactor full factoring (all-in-one solution), Eurofactor export (international sales), Eurofactor import (international purchases), Eurofactor con recurso (financing with recourse), Eurofactor sin recurso (non-recourse factoring with up to 100% insolvency coverage), Eurofactor pagarés (promissory notes factoring), Eurofactor mandato de gestión (management mandate factoring), Eurofactor multilocal (multinational local solution), and CA confirming (supplier payment management). These solutions are supported by the Eurofactor online (EOL) customer portal and integrated with the international network of Factor Chain International covering 60+ countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Eurofactor Full Factoring Full-service domestic factoring product for Spanish businesses that bundles financing of accounts receivable, debt collection management, and insolvency risk coverage into a single solution. It is targeted at companies seeking to outsource receivables management and obtain working capital against their domestic invoices.
• Eurofactor Export Export factoring solution for Spanish exporters that finances foreign-currency receivables, manages international collections, and provides country and insolvency risk coverage on overseas buyers. It is designed for companies selling abroad that need rapid financing (typically 24 to 48 hours) and multi-currency support.
• Eurofactor Import Import factoring product that enables Spanish importers to manage supplier payments and obtain financing against confirmed purchase orders in foreign markets. It is targeted at companies importing goods that need financing flexibility and supplier relationship support across borders.
• Eurofactor Management Mandate Factoring (Eurofactor mandato de gestión) Factoring service structured as a management mandate in which Eurofactor administers and collects the client's receivables on its behalf, while the client retains the financing function. It is aimed at companies that primarily need professional receivables management rather than upfront financing.
• Eurofactor Multilocal Multi-local factoring facility that allows multinational groups to manage and finance receivables across multiple countries through a coordinated network of Crédit Agricole partners in eight European countries plus Morocco. It is designed for corporate groups needing centralized control of cross-border receivables.
• Eurofactor Promissory Notes (Eurofactor pagarés) Financing product that provides advances to suppliers against promissory notes (pagarés) issued by their commercial buyers. It is targeted at Spanish businesses that receive promissory notes as payment and need to monetize them before maturity.
• Eurofactor With Recourse (Eurofactor con recurso) Factoring service with recourse in which the selling client retains the insolvency risk on its receivables, while Eurofactor provides financing and collection services. It is suited to companies that want the cash flow and administrative benefits of factoring without transferring credit risk.
• CA Confirming Confirming and reverse factoring product that allows buyers, including public administrations and large corporates, to extend payment terms to suppliers while the suppliers receive early payment from Eurofactor. It is targeted at suppliers to large buyers and public sector entities seeking to accelerate cash collection on confirmed orders.
• Eurofactor Online (EOL) Proprietary web portal that allows Eurofactor clients to manage their factoring operations online, including submitting invoices, tracking collections, monitoring financed balances, and accessing reports in real time. It serves all Eurofactor clients using the company's factoring and confirming products.

Quantifiable outcome

• Financing provided within 24-48 hours of remittance submission
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Factor Chain Internacional (FCI)coreStrategic or Co-development PartnerEurofactor is a member of Factor Chain Internacional (FCI), an international factoring network. FCI groups approximately 300 correspondent factors in more than 60 countries worldwide, enabling Eurofactor to provide cross-border factoring services and serve clients with international operations. FCI members collaborate bidirectionally to handle export and import factoring operations across their respective markets.
• Credit Agricole Leasing & Factoring (CAL&F)coreStrategic or Co-development PartnerEurofactor is a wholly-owned subsidiary of Credit Agricole Leasing & Factoring, which in turn belongs 100% to the French Credit Agricole Group. CAL&F is the specialized subsidiary of Credit Agricole grouping leasing and factoring activities, with direct presence in 8 European countries and the Magreb region. Eurofactor benefits from the group's financial strength, technical expertise, and cross-selling infrastructure.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• BNP Paribas Factor: BNP Paribas Factor is the French banking group's dedicated factoring subsidiary, operating across multiple European countries with full factoring, import/export, and confirming products. Directly comparable to Eurofactor as a bank-owned factoring specialist within the same geographic footprint.
• BBVA Factoring: BBVA offers factoring and confirming products to Spanish SMEs and large corporates, leveraging its commercial banking franchise. Directly competes with Eurofactor on domestic factoring, export financing, and supplier financing.
• Bankinter Factoring: Bankinter provides factoring and confirming services to mid-market and enterprise clients in Spain, with a digital-first commercial banking approach. Competes with Eurofactor on the SME and mid-market segments.
• Sabadell (BancSabadell Confirming/Factoring): Sabadell provides factoring and confirming solutions to its strong Spanish SME base, competing directly with Eurofactor on reverse factoring and domestic receivables financing. Particularly strong in SME segments overlapping with Eurofactor's core client base.
• Santander Factoring & Confirming: Santander's factoring and confirming arm directly competes with Eurofactor in the Spanish market, offering full-service receivables financing and supplier payment solutions to Spanish corporates. Operates under a similar bank-subsidiary model with comparable product breadth.
• CaixaBank Factoring: CaixaBank offers factoring, confirming, and trade finance products to Spanish businesses through its commercial banking division. As a major Spanish bank with a large corporate client base, it competes with Eurofactor across factoring product lines.

Broad incumbents

• ING Commercial Finance: ING provides commercial finance and factoring solutions across European markets including Spain. As a broad incumbent bank with factoring capabilities, it competes for the same mid-market and multinational client base as Eurofactor.
• HSBC Trade and Receivables Finance: HSBC offers trade finance and receivables financing across global markets, including Spain. Broader incumbent with cross-border trade finance capabilities, competing for the same multinational exporter and treasury clients as Eurofactor.
• Coface Factoring & Credit Management: Coface is a global credit insurer and factoring operator with presence across Europe. While its primary business is credit insurance, its factoring activities compete with Eurofactor on export factoring and buyer-credit coverage.

Emerging players

• Taulia (Fintech SCF): Taulia is a fintech supply chain finance platform offering early-payment and dynamic discounting solutions, competing for the same confirming/inverse-factoring use cases that Eurofactor's CA Confirming product addresses, but with a technology-led, API-first approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 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 Eurofactor