BCC Factoring
BCC Factoring S.p.A. is a Milan-based Italian factoring company, wholly owned by Iccrea Banca, that provides Pro solvendo, Pro soluto, reverse factoring, and public-administration receivables products to SMEs and large enterprises through the Gruppo BCC Iccrea cooperative banking network.
- Company typePrivate
- Founded2007
- HeadquartersMilano, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
What BCC Factoring does
BCC Factoring S.p.A. is an Italian factoring company founded in 2007 and headquartered in Milan, operating as a wholly-owned subsidiary of Iccrea Banca within the Gruppo Bancario Cooperativo Iccrea — the largest Italian cooperative banking group. The company provides a modular suite of factoring products: Pro solvendo (with-recourse factoring), Pro soluto (non-recourse with up to 100% insolvency coverage), Maturity (payment deferral), Indiretto (reverse/confirming factoring for large anchor debtors), and a dedicated Enti Pubblici line for receivables against Italian public administrations. Three service components — Gestione (credit management and monitoring), Anticipazione (advances up to 80% of nominal credit value), and Garanzia (insolvency protection) — are bundled across products.
The technology layer is an online factoring portal allowing cedenti to monitor credit status in real time, complemented by a document-consultation system (SIS.PA) for legacy records pre-2016. Distribution combines a direct field-sales team across eight Italian offices (Milan, Padua, Bologna, Florence, Rome, Salerno, Bari, Ancona) with the 116-branch-strong Banche di Credito Cooperativo network operating ~2,500 branches in 1,700+ municipalities.
Revenue is generated from transaction fees on credit transfers plus interest on financial advances, with pricing negotiated individually rather than publicly disclosed. The customer base spans SMEs, large enterprises, cooperative banks themselves (as distribution partners and indirect clients), and public-administration suppliers. The company employs approximately 45 people and carries €18,000,000 in paid-in share capital, with no disclosed revenue figure in available sources.
BCC Factoring firmographics
Firmographics- Name
- BCC Factoring
- Legal name
- BCC Factoring S.p.A.
- Website
- https://bccfactoring.it
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BCC Factoring S.p.A. is a Milan-based Italian factoring company, wholly owned by Iccrea Banca, that provides Pro solvendo, Pro soluto, reverse factoring, and public-administration receivables products to SMEs and large enterprises through the Gruppo BCC Iccrea cooperative banking network.
- Ownership category
- akta.pro rank
BCC Factoring industry classification
Industry- Product category
- Commercial Factoring
- NAICS
- Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing & Factoring (FSAKAGAC)
Keywords
Where BCC Factoring is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices10 records
Markets served
BCC Factoring business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Factoring Services: BCC Factoring generates revenue through various factoring modalities including Pro solvendo, Pro soluto, Maturity, and Indirect factoring. Revenue is derived from transaction fees on credit transfers, management fees, and interest on advances on transferred credits.
- Advance Financing: Advances on transferred credits, typically up to 80% of nominal value, generating interest income
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
BCC Factoring product offering
Product offeringCore offering
BCC Factoring provides a modular suite of factoring products for Italian businesses, including Pro solvendo (recourse factoring with seller guarantee), Pro soluto (non-recourse factoring with insolvency protection up to 100%), Maturity (deferred payment), Indiretto (reverse/confirming factoring), and Enti Pubblici (public administration factoring). The offering is complemented by three core service components: Gestione (professional credit management and monitoring), Anticipazione (financial advances of up to 80% of credit nominal value), and Garanzia (insolvency protection with risk analysis and rotating credit limits).
Product overview
BCC Factoring offers a modular suite of factoring products for businesses of all sizes. The core offerings include Pro solvendo (traditional factoring with seller guarantee), Pro soluto (non-recourse factoring with insolvency protection), Maturity (deferred payment), Indiretto (reverse/confirming factoring), and Enti Pubblici (public administration factoring). These are complemented by three service components: Gestione (professional credit management and monitoring), Anticipazione (financial advances up to 80% of credit value), and Garanzia (credit protection against debtor insolvency). The company serves small and medium enterprises, large corporations, and cooperates with Banks of Credito Cooperativo (BCC) as part of the Gruppo BCC Iccrea.
Differentiator
Problem solved
Functional benefit
Products and services
- Pro solvendo Traditional recourse factoring service where the seller transfers credits to BCC Factoring, which manages them administratively and handles collection. The seller guarantees the good outcome of credits offered in assignment, with the possibility of financial advances on assigned credits.
- Pro soluto Non-recourse factoring product providing protection against debtor insolvency risk, optimizing and containing internal administrative costs. BCC Factoring determines a rotating credit limit (fido) for each proposed debtor, with coverage up to 100% of assigned credits.
- Enti Pubblici (Public Administration Factoring) Factoring service for public administration entities, available in both pro solvendo and pro soluto forms. Addresses specific contractual complexities and spending procedures of public entities, allowing companies to unlock receivables with long payment terms.
- Maturity Product that allows end customers to defer payment of invoices beyond the due date without the supplier bearing financial costs. The supplier is paid by the Factor at the contracted due date while the customer pays the Factor directly with an agreed extension.
- Indiretto (Reverse Factoring / Confirming) Reverse factoring product targeting large or medium-large companies and groups of high reliability that, as debtors, are interested in using factoring with their suppliers. Coordinates collection/advance flows with payment flows to suppliers and generates finance through extended payment terms.
- Gestione (Credit Management Service) Professional credit management service including constant monitoring from invoice emission to payment, prompt notification of any issues, and web access through the reserved area to check credit status.
- Anticipazione (Advance Financing) Financial advance service typically providing 80% of the nominal value of supply credits. The non-advanced portion is paid only after payment by the assigned debtor.
- Garanzia (Insolvency Guarantee) Protection service against client insolvency risk. BCC Factoring conducts accurate risk analysis for each proposed debtor, determining a maximum guaranteed amount with constant monitoring.
Companies that use BCC Factoring
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
BCC Factoring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
BCC Factoring partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Camera di Commercio di Reggio EmiliaminorBCC Factoring signed a Protocol of Understanding with the Chamber of Commerce of Reggio Emilia on August 1, 2012, to facilitate access to credit for businesses registered with the Chamber through pro soluto assignment of credits towards Public Administrations across Italy.
- Assifact - Associazione Italiana per il FactoringminorBCC Factoring is an active member of Assifact, the Italian Association for Factoring, which represents and supports the Italian factoring industry.
Scale indicators4 records
Recent moves7 records
Expansion highlights4 records
BCC Factoring competitors and assessment
Company assessmentDirect peers
- Mediofactoring: Mediofactoring is the factoring subsidiary of Mediobanca Group, providing traditional and reverse factoring to Italian corporates. It is a direct peer to BCC Factoring, competing in the same product categories and SME/mid-market segments, with a stronger investment-banking parent affiliation.
- Credemfactor: Credemfactor is the factoring subsidiary of Credito Emiliano (Credem) Group, providing receivables financing to Italian SMEs and corporates. It is a direct peer to BCC Factoring, competing in the same product categories and customer segments, with similar size profile.
- Ifitalia: Ifitalia is the factoring arm of BNL (BNP Paribas Group) and one of Italy's largest factoring companies. It is directly comparable to BCC Factoring, serving Italian SMEs and large corporates with pro solvendo, pro soluto, and reverse factoring products, but at materially larger scale and balance-sheet capacity.
- Factorit: Factorit is an Italian factoring company historically linked to Banca Popolare di Sondrio / Banco BPM and other partners, offering full-spectrum factoring products. It directly competes with BCC Factoring in SME and corporate receivables financing, with similar geographic focus on the Italian market.
- UniCredit Factoring: UniCredit Factoring is the in-house factoring arm of UniCredit, one of Italy's largest banking groups. It directly competes with BCC Factoring across pro solvendo, pro soluto, and reverse factoring, with significantly greater corporate-client reach and international footprint.
- Farmafactoring: Farmafactoring is an Italian factoring company serving corporates and public entities, including health-sector receivables. It is directly comparable to BCC Factoring in product scope (pro solvendo, pro soluto, PA factoring) and customer segments, with a slightly differentiated health-sector specialty.
Others
- Alba Leasing: Alba Leasing is an Italian leasing company within the BPER Banca group, providing asset-based financing to SMEs and corporates. It is thematically adjacent to BCC Factoring as a non-bank credit provider serving the Italian SME segment, but operating in leasing rather than receivables financing, with a different product and risk profile.
- Assifact: Assifact is the Italian Factoring Association representing the national factoring industry. It is not a competitor but an ecosystem participant: BCC Factoring is an active member, and the association provides industry advocacy, market data, and standardization that shape the competitive landscape in which BCC Factoring operates.
Broad incumbents
- Intesa Sanpaolo (Intesa Sanpaolo Forvalue / corporate factoring): Intesa Sanpaolo provides factoring products through its corporate banking division as part of a much broader banking and financial services portfolio. It is a broad incumbent competitor to BCC Factoring, with overlapping receivables-financing offerings but vastly greater scale and corporate reach.
Emerging players
- Tinexta: Tinexta is an Italian digital-services group that has expanded into credit information and receivables-related services through its subsidiaries. It is an emerging-adjacent peer to BCC Factoring, with partial overlap in SME receivables management and digital credit-information services, but operating more as a tech-enabled services platform.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
BCC Factoring social profiles
Digital presenceBCC Factoring financial estimates
Financial estimateRevenue estimate
Valuation estimate
BCC Factoring leadership team
Management profileNumber of profiles
Profiles10 records
BCC Factoring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BCC Factoring 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 BCC Factoring
What does BCC Factoring do?
BCC Factoring provides a modular suite of factoring products for Italian businesses, including Pro solvendo (recourse factoring with seller guarantee), Pro soluto (non-recourse factoring with insolvency protection up to 100%), Maturity (deferred payment), Indiretto (reverse/confirming factoring), and Enti Pubblici (public administration factoring). The offering is complemented by three core service components: Gestione (professional credit management and monitoring), Anticipazione (financial advances of up to 80% of credit nominal value), and Garanzia (insolvency protection with risk analysis and rotating credit limits).
Is BCC Factoring a public or private company?
BCC Factoring is a private company. It is classified as corporate owned and is currently operating.
When was BCC Factoring founded?
BCC Factoring was founded in 2007. It employs 11 to 50 people.
Where is BCC Factoring based?
BCC Factoring is headquartered in Milano, Italy, in the Europe region.
How does BCC Factoring make money?
Two revenue lines are on record. Factoring Services are the primary driver. The others are advance Financing.
Who are BCC Factoring's main competitors?
Direct peers on record are Mediofactoring, Credemfactor, Ifitalia, Factorit, UniCredit Factoring and Farmafactoring. Others are Alba Leasing and Assifact. Intesa Sanpaolo (Intesa Sanpaolo Forvalue / corporate factoring) is listed as a broad incumbent. Tinexta is listed as an emerging player.
Does BCC Factoring have an API?
No public API is recorded for BCC Factoring.
What industry is BCC Factoring in?
BCC Factoring's product category is Commercial Factoring. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 52229 and its SIC code is 6153.