Teamfaktor Nw
TeamFaktor NW GmbH, founded 2009 in Dortmund, is a BaFin-licensed factoring company wholly owned by NORDWEST Handel AG. It provides receivables financing, 100% credit protection, and debtor management to mid-sized German wholesale traders and NORDWEST-Verbund association members.
- Company typePrivate
- Founded2009
- HeadquartersDortmund, Germany
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Teamfaktor Nw does
TeamFaktor NW GmbH is a BaFin-licensed German factoring company headquartered in Dortmund, founded in 2009 as a wholly-owned subsidiary of NORDWEST Handel AG — one of Germany's leading cooperative groups (Verbundgruppen) in production-related trading (Produktionsverbindungshandel). The company provides receivables financing, active debtor management, and credit protection services to mid-sized wholesale traders (Mittelständische Großhändler), with a particular emphasis on trading partners and suppliers within the NORDWEST-Verbund association network.
The service portfolio is modular and centered on factoring. The core Factoring and Verbandsfactoring products pre-finance customer receivables (up to 100% payout within 48 hours), combined with 100% credit protection (Ausfallschutz), active debtor limit steering, and administrative offloading. FactoringWerk is a separately branded extension for tradespeople (Handwerk) and smaller SMEs. The ZR Werk (Zentralregulierung) module, delivered in partnership with RSB Retail+ Service Bank GmbH, adds digital centralized payment settlement with delcredere coverage for buying groups. Service delivery runs through a customer-facing portal (portal.teamfaktor-nw.com) with pre-configured NW-Connect system interfaces for integration with trading-partner ERP environments.
The business model is transaction-fee-based: revenue is generated as a percentage of factored receivable value plus risk-premium and service fees, with no minimum fees on small-volume invoices and no caps on debtor counts. Pricing is individualized and not publicly disclosed. Go-to-market is sales-led — combining direct relationship-based selling (persönliche Betreuung), an inbound Factoring Quick-Check web tool, and referral channels through the NORDWEST-Verbund. The company operates exclusively within Germany, has 11-50 employees, and is led by Managing Directors Jens Thöne and Andreas Schlütter. It has been continuously operating for 15+ years since founding.
Teamfaktor Nw firmographics
Firmographics- Name
- Teamfaktor Nw
- Legal name
- TeamFaktor NW GmbH
- Website
- https://teamfaktor-nw.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- TeamFaktor NW GmbH, founded 2009 in Dortmund, is a BaFin-licensed factoring company wholly owned by NORDWEST Handel AG. It provides receivables financing, 100% credit protection, and debtor management to mid-sized German wholesale traders and NORDWEST-Verbund association members.
- Ownership category
- akta.pro rank
Teamfaktor Nw industry classification
Industry- Product category
- Factoring Services
- SIC
- Finance Lessors (6172)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Intercompany & Consolidation Support (Eliminations, Group Reporting Support) (BPAAAGAG), Procurement Helpdesk & Stakeholder Support (BPAAAJAD)
Keywords
Where Teamfaktor Nw is headquartered
LocationHeadquarters
- HQ city
- Dortmund
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Teamfaktor Nw business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Factoring Services: Revenue generated from factoring fees, including financing of receivables, debtor management, and credit protection services for mid-sized trading companies. Fees are likely based on transaction volume and risk coverage.
- Association Factoring: Specialized factoring services for members of the NORDWEST-Verbund trading group, offered at preferential association rates (Verbandskonditionen)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Individual factoring solutions with no minimum fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Teamfaktor Nw product offering
Product offeringCore offering
TeamFaktor NW provides factoring services that pre-finance customer receivables (up to 100% payout within 48 hours) and include 100% receivables protection and active debtor management for mid-sized wholesalers. It also delivers association factoring (Verbandsfactoring) at preferential rates to NORDWEST-Verbund trading partners, plus a specialized FactoringWerk product for tradespeople/SMEs and a centralized settlement (ZR Werk) service in cooperation with RSB Retail+ Service Bank.
Product overview
TeamFaktor NW GmbH offers a modular factoring service portfolio centered on its core Factoring and Verbandsfactoring products, which provide pre-financing of receivables to improve liquidity for mid-sized wholesale traders. The service portfolio includes: the main Factoring product (with up to 100% payment within 48 hours), the association-specific Verbandsfactoring for NORDWEST-Verbund partners, the FactoringWerk sub-brand targeting tradespeople and SMEs, the ZR Werk centralized settlement module (offered via RSB Retail+ Service Bank), and add-on modules for debtor management and receivables protection. The company operates as a 100% subsidiary of NORDWEST Handel AG and has been successfully serving the market for over 10 years.
Differentiator
Problem solved
Functional benefit
Brands
- FactoringWerk: Factoring product available immediately, ideal for tradespeople and mid-sized businesses
- ZR Werk
Products and services
- Factoring Core factoring service providing pre-financing of customer receivables to improve liquidity for mid-sized wholesale traders, including up to 100% payment of receivables within 48 hours and 100% credit protection.
- Verbandsfactoring Association factoring service specifically designed for NORDWEST-Verbund partners, offering alternative revenue financing and customer relationship protection at preferential association rates (Verbandskonditionen) as part of the trade group's service portfolio.
- FactoringWerk Specialized factoring product designed specifically for tradespeople (Handwerk) and small-to-medium enterprises (Mittelstand), with no minimum fees on small-volume invoices.
- ZR Werk (Zentralregulierung) Centralized settlement service (Zentralregulierung) provided in cooperation with RSB Retail+ Service Bank GmbH, offering fully digital processing of centralized settlements for member buying groups with delcredere liability.
Quantifiable outcome
- Up to 100% payout of receivables within 48 hours
- +2 more outcomes
Companies that use Teamfaktor Nw
Customer profileSegments4 records
Ideal customer profiles4 records
Teamfaktor Nw technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Teamfaktor Nw partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- NORDWEST Handel AGcoreNORDWEST Handel AG is the parent company of TeamFaktor NW GmbH. TeamFaktor NW is a 100% subsidiary of NORDWEST Handel AG, one of Germany's leading Verbundgruppen (cooperative groups) in the production-related trading sector (Produktionsverbindungshandel). The factoring company extends the service portfolio of the NORDWEST-Verbund with alternative revenue financing and customer relationship security. Jens Thöne and Andreas Schlütter serve as managing directors.
- RSB Retail+ Service Bank GmbHcorePartnership for ZR Werk (Zentralregulierung) centralized payment processing service. RSB Retail+ Service Bank GmbH has over 60 years of experience in centralized payment regulation. The cooperation combines bank-based Zentralregulierung with TeamFaktor NW's operational financial services expertise.
- FactoringWerkminorFactoringWerk is a related factoring product/service offered by TeamFaktor NW, specifically designed for Handwerk (craft businesses) and Mittelstand. Available immediately (ab sofort verfügbar).
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Teamfaktor Nw competitors and assessment
Company assessmentEmerging players
- Creditshelf: German digital lending platform providing working capital and receivables financing to Mittelstand SMEs. Comparable as an alternative non-bank financing channel for German mid-market companies, though operating via an online marketplace model rather than traditional factoring.
- iwoca: European fintech lender offering invoice financing and working capital lines to small and mid-sized businesses, including in Germany. Comparable in addressing SME liquidity gaps through invoice-based financing, but with a fully digital, technology-led delivery model.
Others
- CRIF (Germany): Global credit bureau and business information provider with German operations. Adjacent to TeamFaktor's debtor management and credit protection services as a data and risk-scoring infrastructure provider.
- Bürgel Wirtschaftsinformationen: German credit information and business data provider. Comparable as an enabling services provider within TeamFaktor's debtor risk evaluation and monitoring workflow, rather than as a direct competitor.
- RSB Retail+ Service Bank GmbH: German bank specializing in centralized payment regulation (Zentralregulierung) for buying groups. Already a strategic partner to TeamFaktor via the ZR Werk service, with comparable centralization capabilities and Verbundgruppen client base.
Broad incumbents
- Coface (German Factoring Operations): Global credit insurance and factoring provider with German operations. Comparable in offering factoring combined with trade credit insurance, but competes from a much broader product portfolio, multinational footprint, and far larger balance sheet than TeamFaktor.
- Allianz Trade (formerly Euler Hermes): Global trade credit insurance leader with factoring capabilities in Germany. Comparable in serving Mittelstand with credit protection and receivables financing, but operates at significantly greater scale and as part of the Allianz Group.
Direct peers
- SEB Factoring (DNB): Factoring arm of a major Nordic bank serving mid-sized German and European companies with receivables financing. Comparable in core offering (full-service factoring for Mittelstand) and regulatory licensing, though with significantly broader European geographic reach.
- TFact (TARGOBANK Factoring): Factoring subsidiary of TARGOBANK focused on German SME and Mittelstand receivables financing. Comparable to TeamFaktor in serving mid-sized B2B clients with full-service factoring (financing, delinquency protection, debtor management) under BaFin regulation.
- abcfinance GmbH: One of Germany's largest independent factoring companies, providing receivables purchasing and financing to German Mittelstand across multiple verticals. Directly comparable to TeamFaktor in core product (B2B invoice factoring), customer segment (mid-sized German companies), and regulatory posture (BaFin-licensed).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Teamfaktor Nw social profiles
Digital presenceTeamfaktor Nw financial estimates
Financial estimateRevenue estimate
Valuation estimate
Teamfaktor Nw leadership team
Management profileNumber of profiles
Profiles4 records
Teamfaktor Nw funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Teamfaktor Nw 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 Teamfaktor Nw
What does Teamfaktor Nw do?
TeamFaktor NW provides factoring services that pre-finance customer receivables (up to 100% payout within 48 hours) and include 100% receivables protection and active debtor management for mid-sized wholesalers. It also delivers association factoring (Verbandsfactoring) at preferential rates to NORDWEST-Verbund trading partners, plus a specialized FactoringWerk product for tradespeople/SMEs and a centralized settlement (ZR Werk) service in cooperation with RSB Retail+ Service Bank.
Is Teamfaktor Nw a public or private company?
Teamfaktor Nw is a private company. It is classified as corporate owned and is currently operating.
When was Teamfaktor Nw founded?
Teamfaktor Nw was founded in 2009. It employs 11 to 50 people.
Where is Teamfaktor Nw based?
Teamfaktor Nw is headquartered in Dortmund, Germany, in the Europe region.
How does Teamfaktor Nw make money?
Two revenue lines are on record. Factoring Services are the primary driver. The others are association Factoring.
Who are Teamfaktor Nw's main competitors?
Emerging players on record are Creditshelf and iwoca. Others are CRIF (Germany), Bürgel Wirtschaftsinformationen and RSB Retail+ Service Bank GmbH. Broad incumbents are Coface (German Factoring Operations) and Allianz Trade (formerly Euler Hermes). Direct peers are SEB Factoring (DNB), TFact (TARGOBANK Factoring) and abcfinance GmbH.
Does Teamfaktor Nw have an API?
No public API is recorded for Teamfaktor Nw.
What industry is Teamfaktor Nw in?
Teamfaktor Nw's product category is Factoring Services. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of BPAAAGAG, Intercompany & Consolidation Support (Eliminations, Group Reporting Support). Its SIC code is 6172.