CF Commercial Factoring

What CF Commercial Factoring does

CF Commercial Factoring GmbH is a privately held, BaFin-regulated German factoring company headquartered in Celle (registered in Lüneburg, HRB 100997), founded in 1999. The company purchases open receivables from small and medium-sized enterprises (Mittelstand) across Germany, offering immediate prepayment of 80–90% of invoice values within approximately 1–2 business days, with the balance settled at invoice maturity (up to 90-day terms). Its product portfolio spans at least 14 variants including Full Service Factoring, Echtes Factoring (true factoring with full default-risk transfer), Offenes Factoring, Stilles Factoring, Ausschnitts-/Einzel-/Reverse-/Export-Import-/VOB-/B2C-/Maturity-/Inhouse-/Halboffenes Factoring, plus add-on Debtor Management and Bad-Debt Protection services.

The underlying technology is an online factoring platform that digitizes invoice submission, debtor monitoring, and payment reconciliation; the company does not disclose APIs, SDKs, or AI/ML capabilities. Distribution is direct-to-client via a sales-led, phone-and-website motion with non-binding quote and callback forms as the primary conversion mechanisms. Revenue is generated through individually negotiated factoring fees and interest on advanced funds, with a minimum client annual revenue threshold of approximately €100,000. Marketing relies on SEO-optimized educational content and BFM (Bundesverband Factoring) association membership rather than paid channels. The company is led by managing directors Rudolf Geith and Robert Horn, with 11–50 employees, and serves a diversified base of SME verticals — Startups, Transport & Logistics, E-Commerce & Trade, Printing & Publishing, Food Industry, and Staffing.

Name

CF Commercial Factoring

Legal name

CF Commercial Factoring GmbH

Website

https://commercial-factoring.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

CF Commercial Factoring GmbH, founded in 1999 and headquartered in Celle, Germany, purchases open receivables from small and medium-sized German enterprises, providing immediate liquidity (80–90% prepayment within 1–2 days), debtor management, and bad-debt protection under BaFin regulation.

Ownership category

akta.pro rank

Product category

Commercial Factoring & Receivables Financing

NAICS

Nondepository Credit Intermediation (5222), International, Secondary Market, and All Other Nondepository Credit Intermediation (522299)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

Keywords

• Accounts receivable financing
• Invoice factoring services
• Debtor management
• Bad debt protection
• SME working capital

Headquarters

HQ city

Celle

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, Infrastructure

Revenue model

1. Factoring fees and interest: CF Commercial Factoring generates revenue through factoring fees charged to clients for the purchase of open receivables. The company provides immediate prepayment of a large portion of the invoice amount (approximately 80%–90%) and collects the outstanding balance at the invoice due date. Fees are individually calculated for each customer based on factors such as invoice volume, debtor structure, and payment terms. The company also earns interest on the advanced funds during the financing period.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

CF Commercial Factoring GmbH purchases open receivables from small and medium-sized German enterprises, advancing approximately 80%–90% of each invoice amount within 1–2 business days and collecting the remaining balance at invoice maturity. The company's primary offering, Full Service Factoring, bundles accounts receivable purchase, debtor management (payment monitoring, reminders, dunning, collection), and bad debt protection (del credere coverage) into a single integrated service. It also offers multiple factoring variants (Echtes/Offenes/Stilles/Ausschnitts/Einzel/VOB/Export/B2C/Fälligkeits/Inhouse/Reverse/Halboffenes Factoring) plus Online Factoring for digital invoice submission, targeting German SMEs with minimum annual turnover of approximately €100,000 and payment terms up to 90 days.

Product overview

CF Commercial Factoring is a factoring services provider specializing in accounts receivable financing for small and medium-sized enterprises (SMEs). The core offering is Full Service Factoring, combining immediate liquidity through invoice purchase with debtor management and bad debt protection. The company offers multiple factoring variants (Echtes/Offenes/Ausschnittsfactoring) and specialized products for different business sectors (Startups, Transport & Logistics, E-Commerce, Printing & Publishing, Food Industry, Staffing). Processing occurs online with advance payments of 80-90% within 1-2 business days for invoices up to 90 days maturity, starting from approximately €100,000 annual turnover.

Differentiator

Problem solved

Functional benefit

Products and services

• Full Service Factoring
• Echtes Factoring (True Factoring)
• Offenes Factoring (Open Factoring)
• Ausschnittsfactoring (Selective/Spot Factoring)
• Einzelfactoring (Single Invoice Factoring)
• VOB Factoring (Public Procurement Factoring)
• Stilles Factoring (Silent/Confidential Factoring)
• B2C Factoring
• Export- & Import-Factoring
• Fälligkeitsfactoring (Maturity Factoring)
• Inhouse Factoring
• Online Factoring
• Reverse Factoring
• Halboffenes Factoring (Half-Open Factoring)
• Debitorenmanagement (Debtor Management)
• Schutz vor Forderungsausfall (Credit Protection / Del Credere)

Quantifiable outcome

• Companies receive approximately 80%–90% of invoice amounts within 1–2 business days after invoice submission
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Bibby Financial Services: Bibby Financial Services is an international SME factoring and invoice finance provider with significant activity in Germany. It is comparable to CF as a direct competitor targeting smaller SMEs with selective, full-service, and confidential factoring products.
• Coface: Coface is a global credit insurance and factoring provider headquartered in France with operations across Europe including Germany. It is directly comparable to CF Commercial Factoring because both offer full-service factoring with credit protection, debtor management, and trade finance to SMEs, although Coface operates at vastly larger scale.
• abcfinance: abcfinance is a German factoring and receivables management provider serving SMEs and mid-market clients. It is directly comparable to CF in offering full-service factoring with debtor management and bad-debt protection, competing head-to-head in the same Mittelstand segment.
• Deutsche Factoring Bank: Deutsche Factoring Bank is one of the leading German factoring specialists serving SMEs and mid-market companies. It is directly comparable to CF because it purchases open receivables, offers full-service and selective factoring, and targets the same Mittelstand client base in Germany.
• Akros Factoring: Akros Factoring is a Cologne-based German factoring specialist focused on SMEs and mid-market companies. It is a direct peer to CF, competing on similar full-service and selective factoring products for the Mittelstand with comparable customer thresholds.

Emerging players

• Stenn International: Stenn is a digital trade finance and invoice financing platform focused on cross-border SME receivables. It is an emerging fintech with meaningful product overlap to CF's export/import factoring, though it differentiates via a fully online, multi-currency delivery model.
• factoring.plus: factoring.plus is a digital-first German factoring platform targeting SMEs with an online onboarding and pricing experience. It is an emerging player overlapping with CF's SME target segment but differentiated by a more automated, fintech-style delivery model.

Regional players

• Tatra banka (Tatra Factoring): Tatra banka operates a factoring business in Central Europe, primarily serving Slovakia and the CEE region. It is a regional peer with comparable full-service and reverse factoring offerings for SMEs, though it does not directly compete in Germany.
• Raiffeisen Factor Bank: Raiffeisen Factor Bank is an Austrian factoring specialist (Raiffeisen Bank Group) serving SMEs in Austria and the DACH region. It is comparable to CF as a regional factoring provider with similar full-service offerings, although it does not directly compete in CF's domestic German market.

Broad incumbents

• Allianz Trade (Euler Hermes): Allianz Trade is the global trade credit insurance leader (formerly Euler Hermes) and operates a large factoring book across Europe. It is comparable to CF as a broad incumbent offering receivables financing, credit risk transfer, and debtor management as part of a much wider trade credit portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cf-commercial-factoring-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 CF Commercial Factoring