adesion Factoring GmbH

What adesion Factoring GmbH does

adesion Factoring GmbH is a BaFin-certified German factoring company headquartered in Schorndorf, Baden-Württemberg, founded in 2007 and operating with approximately 8 employees. The firm purchases open invoices from small and medium-sized enterprises (KMU) and pays out 80–100% of the gross invoice value within 24–48 hours, assuming the corresponding debtor default risk through integrated Warenkreditversicherung. Its product portfolio comprises four core variants: Offenes Factoring (open, debtor-notified), Stilles Factoring (confidential, suitable for healthcare and other assignment-restricted verticals), Full-Service-Factoring (liquidity plus bundled debtor management, dunning and collection), and Selektives Factoring (coverage of chosen debtors only). A web-based Factoring-Portal and a public Factoring-Check self-assessment tool support client onboarding and ongoing operations.

The customer base is exclusively German and segmented across at least seven verticals: medical technology, chemicals, electrical engineering, trade and production, transport and logistics, the service sector and start-ups, with KMU cross-cut as the primary size tier. Distribution is regional and relationship-led, with named account managers covering Nord, Mitte and Süd territories, supplemented by a network of partner banks (Oberbank, Nord/LB, VR Bank Schwäbischer Wald, IBB, S-Bank), the BFM industry association, and a third-party risk provider (Risklytics). Marketing is content-driven (blog, SEO, newsletter, trade press) and explicitly avoids an automated or self-serve acquisition posture.

The business model is transaction-based: revenue is generated through factoring fees on purchased receivables plus professional-service fees for full-service packages (credit checking, dunning, collection). Pricing is individually negotiated rather than publicly disclosed, with customers directed to regional contacts for quotes. The company is a privately held GmbH with no disclosed institutional investors, no parent company, no subsidiaries, no public financials and no disclosed funding rounds. BaFin supervision and GDPR/DSGVO compliance are maintained as foundational regulatory requirements for continued operation.

Name

adesion Factoring GmbH

Legal name

adesion Factoring GmbH

Website

https://adesion.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

adesion Factoring GmbH is a BaFin-certified German factoring company providing receivables financing and debtor management services to small and medium-sized enterprises across verticals including medical technology, chemicals, electrical engineering, and logistics, delivered via a regional direct-sales model from Schorndorf.

Ownership category

akta.pro rank

Product category

Factoring Services (Receivables Financing)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industry

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

Keywords

• Receivables financing
• Factoring services
• SME liquidity
• Working capital
• BaFin-regulated factoring

Headquarters

HQ city

Schorndorf

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, Others

Revenue model

1. Factoring Transaction Fees: adesion generates revenue through transaction-based fees charged on the sale and purchase of receivables. Companies sell their open invoices to adesion and receive immediate liquidity (80-100% of the gross invoice amount within 24-48 hours). The remaining amount (minus fees) is paid once the debtor settles with adesion.
2. Full-Service Factoring Fees: Additional fees are charged for comprehensive services including debtor management, credit checking, dunning, and collection services. This represents an administrative service fee on top of the basic factoring transaction.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

adesion Factoring GmbH purchases trade receivables from German SMEs, providing immediate liquidity in exchange for a fee, thereby improving working capital and reducing payment default risk. The firm offers four variants — Open, Silent, Full-Service, and Selective Factoring — complemented by an online portal (adek-online) and a Factoring-Check pre-qualification tool, operating under BaFin regulatory authorization.

Product overview

adesion Factoring GmbH is a BAFIN-certified factoring services provider headquartered in Schorndorf, Germany, offering a portfolio of receivables financing products. The core offerings include: (1) Offenes Factoring — standard open factoring where debtors are notified of assignment; (2) Stilles Factoring — confidential factoring where assignment is not disclosed to debtors, suitable for regulated industries; (3) Full-Service-Factoring — the most comprehensive model bundling immediate liquidity with full receivables management, debtor monitoring, dunning, and collection services; and (4) Selektives Factoring — selective factoring covering only chosen debtors. These are delivered through a web-based customer portal (Factoring-Portal) and supported by an advisory tool (Factoring-Check). The company serves industries including medical technology, chemistry, electrical engineering, trade, production, transport/logistics, and startups, with regional coverage across North, Central, and South Germany.

Differentiator

Problem solved

Functional benefit

Products and services

• Open Factoring (Offenes Factoring) A factoring variant where the debtor (buyer) is notified that their receivable has been assigned to adesion; suited to SMEs that prefer transparent collaboration with their customers and benefit from visible credit protection and dunning support.
• Silent Factoring (Stilles Factoring)
• Full-Service Factoring (Voll-Service Factoring)
• Selective Factoring (Selektives Factoring)

Quantifiable outcome

• Companies receive 80-100% of gross invoice amount within 24-48 hours of invoice sale
• +2 more outcomes

Segments8 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• BFM (Bundesverband Factoring für den Mittelstand)coreOthersadesion displays the BFM logo as a partner/member. The Bundesverband Factoring für den Mittelstand (Federal Association of Factoring for SMEs) is the industry association for factoring companies serving the Mittelstand sector in Germany. Membership indicates adherence to industry standards and best practices.
• VR Bank Schwäbischer WaldminorChannel Partner/ Reseller/ DistributorVR Bank Schwäbischer Wald logo appears in the partners section. This regional cooperative bank likely refers business customers or provides banking services for adesion's regional operations.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Deutsche Factoring Bank GmbH & Co. KG: German factoring bank subsidiary of the Bremer Kreditbank / Nord-Oder-Raiffeisenbank group, offering receivables financing to SMEs. Broader incumbent with bank balance sheet funding and a similar Mittelstand focus, competing for the same German SME receivables financing wallet.
• Allianz Trade (formerly Euler Hermes): Global trade credit insurer and factor with headquarters in Hamburg, Germany. A broad incumbent offering factoring as part of a wider credit insurance and receivables management portfolio, with deep German Mittelstand penetration.
• Bibby Financial Services GmbH: UK-headquartered global invoice finance provider with a German subsidiary offering factoring and invoice discounting to SMEs. A broader incumbent operating internationally but competing for the same Mittelstand receivables financing segment in Germany.
• Coface SA: French-headquartered global credit insurer and factor with a strong German subsidiary. Competes with adesion in German SME factoring while also offering the full suite of credit insurance, business information, and receivables management.

Direct peers

• abcfinance GmbH: German factoring provider focused on SMEs and the Mittelstand, offering full-service and selective factoring products across multiple industries. Direct competitor to adesion in the German SME factoring segment with comparable target customers and product structure.
• BFS finance GmbH: German factoring and receivables financing provider for small and medium-sized businesses, with comparable full-service factoring offerings. Closely comparable in size, Mittelstand targeting, and product mix.
• factoring PLUS GmbH: German factoring specialist providing receivables financing to SMEs. Directly comparable in customer segment (Mittelstand), product set (open, silent, full-service), and go-to-market focus.

Regional players

• Raiffeisen Factor Bank AG: Austrian factoring bank within the Raiffeisen group providing receivables financing to corporate and SME clients. Comparable in factoring product offering and Mittelbank-style positioning, though primarily serving the Austrian market rather than Germany.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/adesion-factoring-gmbh

Compliance2 records

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 adesion Factoring GmbH