Factoring KB

What Factoring KB does

Factoring KB, a.s. is a Czech factoring company incorporated in Prague (registered in the Commercial Register maintained by the Municipal Court in Prague, section B, entry 4861) and headquartered at náměstí Junkových 2772/1, Praha 5. Established on 24 July 1997 as a 100% subsidiary of Komerční banka, it became part of the Société Générale Group following SG's October 2001 acquisition of a majority stake in Komerční banka. The company is the second-largest factoring provider in the Czech Republic with a stated 27.2% market share in 2020, processes over 600,000 invoices per year, and handles an annual payment volume of more than 60 billion CZK. It serves trading and manufacturing companies, exporters, creditworthy buyers (via Supply Chain Finance), and companies with medium- to long-term receivables, with regional coverage through offices in Praha, Ústí nad Labem, Plzeň, Brno, and Ostrava.

The company's product portfolio covers the full receivables lifecycle and includes Domestic Factoring, Export Factoring (with up to 100% risk protection via the FCI network of 400+ members in 90+ countries), Import Factoring, Modified Factoring (Balance and Reverse Factoring), Purchase of Receivables (minimum 180-day maturity), Account Receivable Management, Supply Chain Finance, and Financing Liabilities. Pricing is transaction-based, consisting of a factoring fee (0.1–0.8% domestic, 0.6–1.1% export) plus interest on advance payments at short-term bank credit rates, with total client cost typically 1–2% of factoring turnover. The eFactoring client portal, secured by username/password and personal certificates and built on Oracle databases running on Microsoft and Hewlett Packard cluster infrastructure, enables electronic invoice assignment, payment-status tracking, limit monitoring, and document receipt for existing clients.

Factoring KB operates as a sales-led business with regional business managers providing on-site client engagement, supplemented by inside sales via a contact center and the self-service eFactoring platform. Revenue is generated from factoring fees (commission for administration and management of accounts receivable) and interest on advances provided against assigned receivables. The company is wholly-owned by Komerční banka and operates with 11–50 employees as a controlled subsidiary within the KB and SG financial groups, cooperating closely with the parent on acquisitions, risk management, compliance, human resources, and IT. Multiple international industry awards (2019, 2020, 2023, 2025) confirm sustained market positioning but no financial revenue figure is publicly disclosed.

Name

Factoring KB

Legal name

Factoring KB, a.s.

Website

https://factoringkb.cz

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Factoring KB, a.s. is a Czech factoring company and wholly-owned subsidiary of Komerční banka (Société Générale Group), serving trading, manufacturing, and exporting companies in the Czech Republic with receivables financing, risk protection, and management services via its eFactoring platform.

Ownership category

akta.pro rank

Product category

Commercial Factoring Services

NAICS

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

Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC), Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Accounts receivable financing
• Domestic factoring services
• Export factoring solutions
• Supply chain finance
• Receivables management services

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Factoring Services: Revenue generated from factoring fees (commission for administration and management of accounts receivable) and interest charged on advances provided for assigned accounts receivable. Factoring fee typically ranges from 0.1% to 0.8% of receivable value for domestic factoring and 0.6% to 1.1% for export factoring. Total costs usually range from 1% to 2% of factoring turnover.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Factoring KB purchases, finances, administers and collects short, medium and long-term accounts receivable arising from the supply of goods and services by Czech and foreign businesses. It offers domestic factoring, export factoring, import factoring, modified factoring (including balance and reverse factoring), purchase of receivables, receivables management, supply chain finance and accounts payable financing, supported by the eFactoring online portal. The company delivers advance payments (70-90% of invoice value within 24 hours) and credit protection of up to 100% through its FCI network membership.

Product overview

Factoring KB is the second largest factoring company in the Czech Republic, offering a comprehensive suite of receivables financing and management products. The portfolio includes Domestic Factoring, Export Factoring, Import Factoring, Modified Factoring, Purchase of Receivables, Account Receivable Management, Supply Chain Finance, and Financing Liabilities. The company also provides the eFactoring internet portal for clients to submit invoices, track receivables, and manage transactions online. With over 600,000 processed invoices annually and more than 60 billion CZK annual payment volume, the company operates as part of the Komerční banka and Société Générale financial groups.

Differentiator

Problem solved

Functional benefit

Products and services

• Domestic Factoring (Tuzemský factoring) Purchase, funding, management and collection of short-term accounts receivable (up to 180 days) arising from the supply of goods and services to domestic Czech buyers on open account credit terms. Available in recourse, non-recourse with insurance, and non-recourse without insurance variants. Designed for Czech trading and manufacturing companies selling to domestic buyers on deferred payment terms.
• Export Factoring Purchase, funding, management and collection of short-term accounts receivable from the supply of goods and services to foreign buyers, with credit risk protection up to 100% of the receivable value delivered through the Factors Chain International (FCI) two-factor network or local insurance. Aimed at Czech exporters selling on open-account terms to foreign buyers.
• Import Factoring Service enabling Czech clients to obtain short-term buyer's credit for goods purchased from foreign suppliers, removing the need for bank guarantees, letters of credit or bills of exchange. Payment terms extend up to 90 days from delivery of goods. Aimed at Czech importers sourcing from foreign suppliers.
• Modified Factoring (Balance and Reverse Factoring) More advanced factoring variants tailored to specific client needs, comprising Balance Factoring (improving balance sheet structure by moving receivables off-balance-sheet) and Reverse Factoring (financing supplier-customer relationships with creditworthy buyers as the client). Aimed at companies needing off-balance-sheet treatment or supplier-side financing.
• Purchase of Receivables (Odkup pohledávek) Purchase, funding, management and collection of short-, medium- or long-term accounts receivable with a minimum maturity of 180 days. Typically provides up to 100% of nominal value financing with a discount consisting of a factoring fee plus a fixed or floating discount rate in % p.a. derived from reference rate plus factor margin. Available with or without recourse.
• Account Receivable Management Outsourced receivables administration service providing payment reminders, debt collection, and accounts receivable collection to clients. Improves efficiency in time, administration and personnel costs associated with payment delays, allowing clients to focus on core operations.
• Supply Chain Finance (SCF) Reverse factoring program in which a creditworthy buyer (the client) with many smaller suppliers uploads approved receivables to Factoring KB's digital platform. Suppliers can then discount these receivables and receive 75-100% of invoice value quickly. Stabilizes the supply chain while optimizing working capital for the buyer.
• Financing Liabilities (Accounts Payable Financing) Accounts payable financing variant of supply chain finance (SCF) that enables liquidity management for both business partners without extending invoice due dates. Complements reverse factoring within the SCF suite.
• eFactoring Online Portal Secure internet application enabling existing clients to electronically assign receivables, access transaction information, track financing limits and payment status, and receive invoices from Factoring KB in electronic form. Secured by username, password, and personal certificate issued by Factoring KB, I.CA or Post Signum. Built on Oracle databases with Microsoft and Hewlett Packard cluster infrastructure.

Quantifiable outcome

• Risk protection up to 100% of accounts receivable through FCI network
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• Factors Chain International (FCI)coreStrategic or Co-development PartnerFactoring KB is a member of Factors Chain International, one of the largest factoring organization networks in the world with more than 400 members in over 90 countries globally. Through this membership, export factoring is provided at the highest possible level with risk protection up to 100% of accounts receivable.
• Association of Factoring Companies in the Czech RepublicminorOthersFactoring KB is one of the founding members of the Association of Factoring Companies in the Czech Republic.
• Czech Leasing and Finance Association (ČLFA)minorOthersFactoring KB is a member of the Czech Leasing and Financial Association.
• KB FoundationminorOthersAs a member of Komerční banka group, Factoring KB regularly cooperates with KB Foundation, donating significant amounts annually to support selected projects including memory training for seniors and assistance to families with disabled children.
• Alzheimer nadační fondminorOthersFactoring KB is a proud partner of the Alzheimer Endowment Fund, which was established to support research into Alzheimer's disease and other neurodegenerative and vascular diseases of the brain.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Coface: French trade credit insurer with factoring operations in CEE. Comparable as a risk-bearing buyer of receivables, particularly on the export side, and as an established European incumbent in the receivables finance ecosystem Factoring KB competes in via FCI.
• Allianz Trade (formerly Euler Hermes): Global trade credit insurer with factoring capabilities, operating in CEE. Comparable to Factoring KB in providing credit protection on receivables and in serving exporters, although it is broader than a pure factoring business.
• BNP Paribas Factor: Large pan-European factoring platform owned by BNP Paribas. Comparable in business model (bank-owned, multi-product factoring) and represents both a direct competitor in export factoring and a strategic comparable for what an SG-affiliated factoring franchise can scale to.
• HSBC Trade and Receivables Finance: Global trade and receivables finance business of HSBC, active across CEE and Western Europe. Comparable in multinational client reach, export factoring via correspondent networks, and ability to underwrite cross-border receivables risk.

Direct peers

• ČSOB Factoring: Factoring arm of ČSOB (KBC Group), one of the largest Czech banks. Competes directly with Factoring KB in domestic Czech factoring with comparable products (domestic, export, reverse factoring) and a similar bank-owned subsidiary model.
• Erste Group Factoring (Česká spořitelna): Factoring services operated within Česká spořitelna / Erste Group in the Czech Republic. Closely comparable as a bank-owned factoring provider serving Czech SMEs with the same domestic and export product set.
• UniCredit Factoring Czech Republic: Factoring operations of UniCredit within its Czech subsidiary, offering receivables financing and supply chain finance to corporate clients. Directly comparable business model, customer base and product portfolio to Factoring KB.
• Raiffeisenbank Factoring: Factoring offering of Raiffeisenbank in the Czech market, providing receivables purchase, financing and collection services to SMEs. Competes head-to-head with Factoring KB in domestic open-account receivables financing.

Regional players

• Tatra banka Factoring (Slovakia): Factoring offering of Tatra banka (Raiffeisen Group) in Slovakia. Highly comparable in product mix and SME target segment, though operating in the neighbouring Slovak market rather than directly in the Czech Republic.

Others

• Société Générale Factoring France: The parent group's home-market factoring subsidiary in France. Not a direct competitor, but a sister entity within the SG ecosystem — comparable in operating model, technology stack, and as a reference for cross-border product and risk practices that could be deployed at Factoring KB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/19253715

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Factoring KB