FactoFrance

What FactoFrance does

Factofrance is a French factoring and receivables finance company founded in 1966, operating as a wholly-owned subsidiary of Crédit Mutuel Alliance Fédérale. The company finances B2B receivables, insures against client insolvency, and manages end-to-end accounts receivable operations (collection, payment processing, litigation) for French businesses ranging from micro-enterprises (TPE) to multinational groups. It serves more than 100 countries for export factoring and 25+ jurisdictions for pan-European programs, with a network of 8 regional agencies across France and 1,300+ distribution partners including brokers, accountants, and foreign factors.

The core technology stack centers on a proprietary receivables management platform. Key components include Facto Net (a 24/7 client portal for guarantee requests, invoice cession, and reporting), DIGIFACT (document dematerialization launched in 2020), an internally developed credit scoring model refined over 35 years covering 9 million French and 18,000 monitored foreign companies, a real-time guarantee decision engine (80% of decisions delivered instantly), and a payment processing system handling up to 15,000 payments per day with near-90% same-day matching. A centralized multi-country contract management platform supports multi-currency, multi-jurisdiction programs.

The business model combines three revenue streams: (1) factoring commissions based on revenue submitted, invoice count, and client quality (transaction fee); (2) financing commissions tied to Euribor 3M plus a spread calibrated to client risk (usage-based); and (3) fees from Stockline inventory financing (transaction fee). Sub-brands target distinct segments: Factoflex for TPE at flat 1.95%+ rates via digital self-service, AIR'PME for accountant-referred SMEs at 1-3%, Cap'Rebond for restructuring companies, CAP'Numérique for the digital sector, Cofacredit for exporters, and FactoStart for large enterprises. Customer reach spans TPE (200,000 EUR+ revenue threshold) up to large enterprises, with nearly 500 employees and high customer satisfaction (89-100% across independent surveys).

Name

FactoFrance

Legal name

Factofrance

Website

https://factofrance.com

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

251–500 employees

Short description

Factofrance, founded in 1966 and subsidiary of Crédit Mutuel Alliance Fédérale, is a French factoring and receivables finance company providing B2B invoice financing, credit insurance, collection, and payment processing to TPE, PME, ETI, large enterprises, and exporters across 100+ countries via 8 regional agencies.

Ownership category

akta.pro rank

Product category

B2B Factoring / Accounts Receivable Financing

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Business-to-business factoring
• Accounts receivable financing
• Credit insurance services
• Debt collection services
• Inventory financing

Headquarters

HQ city

La Défense

HQ country

France

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Factoring Commission (Commission d'affacturage): Covers account management fees including collection, matching, and credit insurance when included in the contract. Depends on annual revenue submitted to the factor, number of invoices, number of clients, client quality, and seller's financial situation. This is the primary recurring revenue stream.
2. Financing Commission (Commission de financement): Corresponds to the advance of cash flow made by the factor. Calculated based on Euribor 3 Months rate plus a spread, which itself depends on the company's annual revenue and financial situation. Variable rate tied to market benchmark.
3. Stock Financing (Stockline): Revolving financing line guaranteed by inventory of merchandise, finished products, and/or raw materials, linked to the factoring contract. Revenue generated from financing fees on inventory-backed facilities.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

Factofrance provides B2B factoring and accounts receivable financing services, enabling companies to convert their trade receivables into immediate cash flow. The company finances up to 100% of invoices in EUR or foreign currencies, provides credit insurance against client insolvency, manages dunning and debt collection (amicable, export, litigation, and large accounts), and processes up to 15,000 payments per day. All services are delivered through 8 regional agencies, the Facto Net client portal, and a 1,300+ partner network serving French TPE, PME, ETI, large enterprises, and multinationals.

Product overview

FactoFrance is a French factoring (affacturage) company founded in 1966 and now a subsidiary of Crédit Mutuel Alliance Fédérale, offering a modular suite of accounts receivable financing and management services. The core product portfolio centers on invoice financing (Full Factoring, Confidential Factoring, Home Service Factoring, and Light Factoring with collection mandate), supplemented by specialized export financing (Cofacrédit covering 100+ countries), inventory financing (Stockline), international pan-European programs, and credit insurance guarantees. The company layers additional service modules including amicable, export, litigation, and large-account debt collection (Recouvrement), plus payment receipt and matching (Encaissements et Lettrage). Targeted sub-brands address specific sectors: Factoflex for commitment-free TPE financing, CAP'Numérique for digital actors, Cap'Rebond for restructuring companies, AIR'PME for accounting firms and their clients, and an Offer for Transporters. An Observatory tool provides quarterly international payment behavior analytics. All services are managed through the Facto Net client portal and supported by 8 regional agencies, a dedicated 250-person Client Relations team, and 500 total employees.

Differentiator

Problem solved

Functional benefit

Brands

• Factoflex: Commitment-free factoring offer dedicated to small businesses (TPE) with financing up to 300,000 euros and rates starting at 1.95%.
• Cap'Numérique
• Cap'Rebond
• Cofacrédit
• Stockline
• FactoStart
• AIR'PME
• Factobail

Products and services

• Full Factoring (Affacturage classique) Comprehensive three-in-one factoring solution combining invoice financing (up to 95% within 24 hours), credit guarantee against client insolvency, and full accounts receivable management including collection, receipt processing, and payment matching for B2B companies.
• Light Factoring with Collection Mandate (Affacturage allégé) Light factoring solution allowing companies to retain responsibility for invoice collection while Factofrance handles financing and credit protection, capitalizing on the company's own collection expertise.
• Notified Balance Financing (Affacturage Home Service) Notified balance financing solution where the company retains exclusivity over its commercial relationships, with Factofrance financing the full receivables balance while buyers are informed of the cession.
• Confidential Balance Financing (Affacturage confidentiel) Confidential factoring solution enabling companies to remain discreet while maintaining full control of their receivables, with Factofrance providing undisclosed financing without notifying buyers.
• International and Pan-European Factoring (Affacturage international) International and pan-European factoring solution for multinational groups with centralized management from Paris, covering over 25 countries with multi-jurisdiction, multi-language, and multi-currency contract administration and 24/7 client portal access.
• Cofacrédit - Export Factoring Export factoring solution financing invoices in EUR or foreign currencies across over 100 countries, with multilingual collection, credit risk protection, and exchange rate coverage. Operated by a dedicated team with coverage in 100+ countries.
• Stockline - Inventory Financing Inventory financing solution providing a revolving credit line secured by stock of goods, raw materials, and finished products, up to 70% of pledgeable stock value and up to 145% combined financing with factoring receivables.
• Factoflex Commitment-free factoring offer for TPE and PME providing up to 300,000 EUR in financing, 100% invoice financing, and a single all-inclusive rate starting at 1.95%, including guarantee against client insolvency and account management.
• CAP'Numérique Dedicated factoring program for digital economy actors including telecoms, IT services, software publishers, web agencies, integrators, cloud, SaaS, open source, and IT security firms, with tailored handling of term-to-mature billing, regie/forfait invoicing, and project-mode billing.
• Cap'Rebond Factoring solution specifically designed for companies in restructuring or turnaround, offering 24-hour financing approval, 100% guarantee coverage, and a dedicated restructuring team working alongside administrators, judicial officers, and specialized advisors.
• Transport Sector Offering (Offre Transporteurs) Factoring solution tailored for freight transport companies addressing their acute working capital needs, monthly billing cycles imposed by large customers, and long payment terms, with financing adapted to subcontracting and reciprocal arrangements.
• TPE Accompagnement (TPE Support) Factoring solution for micro and very small enterprises with simplified onboarding, dedicated TPE relationship team, 24-hour financing, and guaranteed client insolvency protection up to 100%, targeting companies with annual revenue between 200,000 EUR and 2 million EUR.
• AIR'PME - Accountant Channel Program Treasury management program developed jointly with accounting experts, providing cash flow diagnostic tools, BFR optimization solutions, training, and an exclusive simplified invoice financing product accessible to clients of accounting firms with annual revenue starting at 100,000 EUR.
• Large Enterprise Accompagnement (FACTOSTART) Structured financing solutions for large enterprises and international groups including IFRS/US GAAP deconsolidation, tailored structures, LBO contexts, off-balance sheet solutions, and non-recourse factoring, with a dedicated FACTOSTART team managing technical and operational onboarding in project mode.
• Credit Insurance Guarantee (Garantie contre l'insolvabilité clients) Credit insurance guarantee protecting companies against client insolvency with 100% indemnification, real-time guarantee decisions, and no declaration or procedural costs. Built on a database of over 9 million French companies and 18,000 monitored foreign companies.
• Amicable Debt Collection (Recouvrement Amiable) Amicable debt collection service conducted before payment due date, leveraging a database of 9 million companies to adapt outreach strategies, prioritizing relocations by invoice maturity, amount, and payment method with an average DSO of 51 days.
• Export Debt Collection (Recouvrement Export) Export debt collection service covering over 100 countries with a multilingual team speaking English, Spanish, German, Portuguese, Italian, Arabic, Danish, Turkish, Chinese, and Vietnamese, with 10 dedicated collectors managing pre- and post-due invoice collection.
• Litigation Debt Collection (Recouvrement Contentieux) Pre-litigation and litigation debt collection service handling insolvency cases, judicial proceedings, creditor declarations, recovery plans, dividend tracking, and VAT recovery certificates, with 7 dedicated staff managing approximately 13,000 cases per year.
• Large Accounts Debt Collection (Recouvrement Grands Comptes) Large accounts collection service maintaining proximity relationships with approximately 350 major buyers, conducting multi-supplier relaunches across hundreds to thousands of invoices, and managing file exchange systems for approximately 350,000 invoices recovered annually.
• Payment Receipt and Matching (Encaissements et Lettrage) Payment receipt and matching service processing up to 15,000 payments per day, digitizing check and bill of exchange data, reconciling domestic and export payments, and achieving near 90% same-day payment matching with 30 dedicated managers.
• DIGIFACT - Document Dematerialization Platform Document dematerialization platform launched in November 2020 to simplify the factoring process for TPE and PME by digitizing document transmission, integrated into the online client portal.
• International Payment Delays Observatory (Observatoire des délais de paiement internationaux) Quarterly barometer of international payment behavior covering over 100 countries, providing exporters with comparative data on payment delays and trends based on Factofrance's collection operations to support commercial decision-making.

Quantifiable outcome

• Financing within 24 hours after receivables submission
• +13 more outcomes

Named customers8 records

Segments9 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature7 records

Partnerships

14 partnerships are on record, tiered core, major and minor.

• Courtiers / Brokers (1,300 partners)coreChannel Partner/ Reseller/ DistributorNetwork of 1,300 brokers and financial advisors in France and abroad who refer clients to Factofrance. Partners benefit from dedicated regional account managers across 8 agencies, training through Campus Facto, and quarterly reporting on referred client portfolios.
• Experts-Comptables / Accountants (partner network)coreChannel Partner/ Reseller/ DistributorAccountants refer SME/TPE clients through the AIR'PME program and benefit from semi-automatic accounting integration, diagnostic tools, and exclusive client pricing. Partners receive training, support tools, and access to a dedicated AIR'PME team.
• Foreign Factors (international network)coreChannel Partner/ Reseller/ DistributorNetwork of foreign factoring companies enabling Factofrance to manage cross-border receivables, international collections, and pan-European program administration across 25+ countries with multi-jurisdiction contracts.
• Coface (Credit Insurance)majorStrategic or Co-development PartnerFactofrance can manage Coface credit insurance policies on behalf of clients, handling declaration of revenue and indemnification in case of contentious procedures, providing seamless integration between factoring and credit insurance coverage.
• OTRE (Organisation des Transporteurs Routiers Européens)majorStrategic or Co-development PartnerNational partnership with the French road transport organization providing specialized factoring solutions for transport sector members with preferential conditions.
• FNTR (Fédération Nationale des Transports Routiers)majorStrategic or Co-development PartnerNational partnership with the French national road transport federation offering dedicated factoring and working capital solutions for transport sector members.
• EBEN (European Business Ethics Network)minorStrategic or Co-development PartnerPartnership with European business ethics network demonstrating Factofrance's commitment to ethical business practices.
• UIMM (Union des Industries et Métiers de la Métallurgie)minorStrategic or Co-development PartnerPartnership with the metallurgy industries union offering preferential conditions for member companies in the industrial sector.
• Banque de FrancemajorStrategic or Co-development PartnerFormal relationship with the Banque de France for industry data, regulatory compliance, and participation in national payment and factoring market initiatives.
• AREA (Autoroutes Paris-Rhin-Rhône)minorStrategic or Co-development PartnerPartnership with the APRR motorway company providing preferential conditions for member companies.
• La Cravate SolidaireminorOthersRSE partnership with La Cravate Solidaire association, which provides professional clothing to job seekers in difficulty, supporting professional integration and social inclusion.
• Tombée du NidminorOthersMécénat (sponsorship) partnership with Tombée du Nid association supporting vulnerable populations.
• Second SouffleminorOthersMécénat partnership with Second Souffle association supporting professional reintegration.
• World Clean Up DayminorOthersFactofrance participates in World Clean Up Day as part of its environmental commitment, mobilizing employees for community environmental action.

Scale indicators27 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Defacto: French fintech providing embedded invoice financing and B2B BNPL to SMEs, targeting the same French TPE/PME segment as Factoflex. Comparable as a digital-native challenger to traditional factoring in the SME digital onboarding space.
• Tradeshift: Global B2B payments and supply chain finance platform offering embedded invoice financing, dynamic discounting, and trade credit. Adjacent fintech providing digital-first alternatives to traditional factoring for cross-border B2B transactions.
• Taulia: Supply chain finance and dynamic discounting platform acquired by SAP, providing B2B working capital solutions. Adjacent in invoice financing but with a fintech/embedded-finance angle targeting larger enterprise clients.
• October: European digital lending platform providing working capital and SME financing across multiple European markets. Adjacent fintech competitor in SME working capital with a different distribution model (direct platform vs. bank network).

Direct peers

• BNP Paribas Factor: French factoring subsidiary of BNP Paribas, providing domestic and international invoice financing, credit insurance, and receivables management to SMEs, ETIs, and large enterprises. Closely comparable as a bank-affiliated French factor with full product suite competing directly for the same client segments.
• BPCE Factor (Natixis/Groupe BPCE): Factoring entity within Groupe BPCE offering invoice financing and receivables services to French enterprise clients. Comparable as a bank-affiliated factor with similar SME/large enterprise focus.
• Crédit Agricole Leasing & Factoring: Factoring and leasing arm of Crédit Agricole group, offering full-service invoice financing and receivables management to French and international clients. Direct competitor with similar bank-group distribution and product breadth.
• Société Générale Factoring: Factoring subsidiary of Société Générale offering domestic and international invoice financing to French SMEs and large enterprises. Directly comparable in target segments, banking group backing, and product scope.

Broad incumbents

• Coface: Major global credit insurance provider and Factofrance's named strategic partner for credit insurance administration. Adjacent competitor/partner in trade credit risk management, with overlap in client base and complementary product offering.
• HSBC Trade and Receivables Finance: Global bank's trade and receivables finance division offering factoring, supply chain finance, and credit insurance across major markets. Comparable for international and large enterprise segment, though less focused on French TPE/PME market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube-nocookie.com/channel/UCZeudw7ivtUO85OxSojR3Kg
• LinkedInlinkedin.com/company/factofrance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 FactoFrance