A.B.S. Factoring
A.B.S. Factoring AG is a bank-independent German factoring provider serving SMEs across six European markets with receivables finance, B2B BNPL (quickpaid), private medical billing (dgpar), and debt collection (Eurincasso).
- Company typePrivate
- Founded1996
- HeadquartersWiesbaden, Germany
- Headcount51–100
- GTM typeB2B
- OfferingServices
A.B.S. Factoring firmographics
Firmographics- Name
- A.B.S. Factoring
- Legal name
- A.B.S. Global Factoring AG
- Website
- https://abs-ag.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- A.B.S. Factoring AG is a bank-independent German factoring provider serving SMEs across six European markets with receivables finance, B2B BNPL (quickpaid), private medical billing (dgpar), and debt collection (Eurincasso).
- Ownership category
- akta.pro rank
A.B.S. Factoring industry classification
Industry- Product category
- Receivables Factoring
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- 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 A.B.S. Factoring is headquartered
LocationHeadquarters
- HQ city
- Wiesbaden
- HQ country
- Germany
- HQ region
- Europe
Offices6 records
Markets served
A.B.S. Factoring business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Full Service Factoring (Factoring Fee): A.B.S. purchases outstanding receivables from clients at up to 90% of face value within 24 hours, with the remaining 10% paid after the debtor settles. Revenue is generated through factoring fees charged on the transaction volume.
- Bad Debt Protection / Del Credere: A.B.S. insures receivables against non-payment, including for foreign transactions, eliminating the risk of bad debt losses (del credere) for clients. This protection is a paid service included in the full-service offering.
- Debtor Management & Collection: Outsourced debtor management including bookkeeping, collection, dunning, and debt recovery — provided as part of the full-service offering or as standalone service.
- Private Medical Billing (dgpar GmbH): Professional private medical billing services for doctors and clinics, including GOÄ coding, invoice creation, advance financing of receivables, and debt protection. Revenue from service fees and financing spreads.
- quickpaid Purchase Financing: BNPL platform financing the purchase of goods at invoice receipt — A.B.S. pays the supplier immediately, and the buyer repays on extended terms (30, 60, 90, or 120 days), generating revenue from the financing spread.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Full Service Factoring — tailored to client profile and transaction volume |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels10 records
A.B.S. Factoring product offering
Product offeringCore offering
A.B.S. Factoring is a bank-independent financial services provider that purchases outstanding receivables from B2B clients (SMEs) for immediate liquidity — up to 90% of invoice value paid within 24 hours — and assumes the full bad debt risk (del credere) and debtor management function. The portfolio spans Full Service Factoring, Quick Factoring for smaller companies, Export and Cross-Border Factoring, quickpaid (a Buy Now, Pay Later platform for purchase financing), and Inkasso (debt collection). Via subsidiary dgpar GmbH, it also delivers GOÄ-compliant private medical billing services to German healthcare providers.
Product overview
A.B.S. Factoring offers a bank-independent financing platform for SMEs, centered on Full Service Factoring — the core product that sells outstanding receivables for immediate liquidity (up to 90% within 24 hours) with full bad debt protection and complete debtor management. The product portfolio spans: Quick Factoring for small businesses; quickpaid as a Buy Now, Pay Later platform for both purchase financing and sales financing; Export Factoring and Cross Border Factoring with del credere protection; Bad Debt Protection; Credit Checking; Receivables Management; and Working Capital and Balance Sheet Optimization modules. Complementary services include professional debt collection (Inkasso) and — via the dgpar GmbH subsidiary — private medical billing services for healthcare providers handling GOÄ-compliant invoicing, prefinancing, and patient-facing communication. Two online portals serve as access points: the A.B.S. Customer Portal for factoring clients and the quickpaid Customer Portal for BNPL users.
Differentiator
Problem solved
Functional benefit
Brands
- quickpaid: Buy Now, Pay Later (BNPL) platform that enables businesses to finance their purchases directly upon receipt of invoice - flexible, paperless and independent of traditional banking.
- dgpar GmbH
Products and services
- Full Service Factoring End-to-end factoring solution for SMEs: A.B.S. purchases outstanding receivables from the client for up to 90% of invoice value within 24 hours, assumes bad debt risk via del credere, and takes over the full debtor management function (bookkeeping, dunning, collection, recovery). Remaining 10% is paid after the debtor settles.
- Quick Factoring Factoring product tailored for small businesses and SMEs, offering streamlined access to liquidity from outstanding receivables with simplified onboarding and processing.
- quickpaid (Buy Now, Pay Later) BNPL platform enabling businesses to finance the purchase of goods directly at invoice receipt. Buyers receive flexible repayment terms of 30, 60, 90, or 120 days, while suppliers receive guaranteed immediate payment. Paperless and bank-independent. Supports both purchase financing (Einkaufsfinanzierung) and sales/distribution financing (Absatzfinanzierung).
- Inkasso (Debt Collection) Professional debt collection service covering both judicial and extrajudicial recovery. A.B.S.'s receivables experts handle dunning and collection worldwide on behalf of clients.
- dgpar Private Medical Billing (Privatabrechnung) Professional private medical billing service for German healthcare providers (doctors, clinics, laboratories), covering GOÄ-compliant invoice creation, despatch, pre-financing of patient receivables, debtor management, bad debt protection, digital patient onboarding, and automated dunning with accounting integration.
- Export Factoring Factoring service covering foreign/export transactions with default protection (del credere), enabling clients to professionally secure their foreign receivables and offer longer payment terms to international buyers without bearing credit risk.
- Cross Border Factoring Factoring service covering international trade transactions, enabling receivables management across borders with default protection (del credere) for cross-border credit risk mitigation.
Quantifiable outcome
- Up to 90% of invoice value paid within 24 hours of receivables submission
- +4 more outcomes
Companies that use A.B.S. Factoring
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
A.B.S. Factoring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
A.B.S. Factoring partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- CleanHubminorCleanHub is A.B.S.'s sustainability partner for the #HauptsacheFlüssig campaign. For every video submitted by participants, A.B.S. donates €25 to CleanHub, which works on preventing ocean plastic pollution. This is a CSR/ESG partnership rather than a commercial product partnership.
- WESEO DigitalagenturminorWESEO is credited as the web development, design, and technical realisation partner for A.B.S.'s multi-country website platform (across Germany, Austria, Switzerland, Slovenia, Poland, and Sweden). WESEO also appears as the website developer credit on all country legal notices.
- Issimo Fit d.o.o.minorIssimo Fit d.o.o. is credited for localisation, CRM, and inbound marketing services for the Slovenian market (A.B.S. Factoring d.o.o. Slovenia). Based in Slovenia, they support the local market positioning.
- Eurincasso GmbHminorEurincasso GmbH is a sister company to dgpar GmbH (A.B.S. subsidiary for private medical billing). It handles judicial and extrajudicial debt collection for dgpar clients, providing end-to-end receivables management within the healthcare billing ecosystem.
Scale indicators5 records
Recent moves6 records
Expansion highlights4 records
A.B.S. Factoring competitors and assessment
Company assessmentBroad incumbents
- Coface: French-headquartered global trade credit management and factoring company providing credit insurance and receivables financing worldwide. Overlaps with A.B.S. on factoring and bad-debt protection, but operates at larger scale with broader product portfolio including credit insurance.
- Allianz Trade (formerly Euler Hermes): World's largest trade credit insurer (Allianz-owned) with factoring and receivables finance capabilities across Europe and globally. Significantly larger and broader than A.B.S., but overlapping on export factoring with del credere protection.
- HSBC Trade and Receivables Finance: Global bank's trade and receivables finance division offering export factoring, receivables purchasing and trade finance to corporates across 50+ markets. Overlaps with A.B.S. on cross-border factoring but serves larger mid-market and corporate clients via bank balance sheet.
Direct peers
- Bibby Financial Services: UK-headquartered, one of the largest independent SME factoring and invoice finance providers globally. Operates multi-country in Europe with a near-identical target market (SMEs), product mix (full-service factoring, bad debt protection, debtor management), and bank-independent positioning - making it the most directly comparable peer to A.B.S.
- Stenn International: UK-headquartered fintech that provides receivables financing and invoice factoring to SMEs and mid-market companies globally, particularly cross-border. Direct comparable as a digital-first challenger with bank-independent model competing for the same SME working-capital wallet.
- Close Brothers Invoice Finance: UK-listed Close Brothers Group's invoice finance division providing factoring, invoice discounting and asset-based lending to SMEs. Comparable business model and target customers to A.B.S.'s factoring core, though predominantly UK-focused.
- Deutsche Factoring Bank: German factoring bank headquartered in Bremen providing full-service factoring, export factoring and receivables management to German SMEs. Direct head-to-head competitor in A.B.S.'s home German market with overlapping product set (Forderungsankauf, Delkredere, Debitorenmanagement).
- Aldermore Invoice Finance: UK challenger bank with established invoice finance and factoring arm serving UK SMEs, including full-service factoring and bad debt protection. Comparable scope and product set to A.B.S. though operating primarily in the UK market.
Emerging players
- Fundbox: US-based fintech providing invoice advance and working capital to small businesses via a digital platform. Comparable to A.B.S.'s quickpaid and quick factoring products on the digital receivables-financing use case, but at smaller scale and different geography.
Regional players
- BlueVine: US-headquartered fintech offering invoice factoring, lines of credit, and working capital products to small businesses. Comparable in offering receivables-based financing via a digital platform to SMEs, but operates in a different geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
A.B.S. Factoring social profiles
Digital presenceA.B.S. Factoring financial estimates
Financial estimateRevenue estimate
Valuation estimate
A.B.S. Factoring leadership team
Management profileNumber of profiles
Profiles12 records
A.B.S. Factoring subsidiaries and ownership
Company hierarchySubsidiaries3 records
A.B.S. Factoring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
A.B.S. 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 A.B.S. Factoring
What does A.B.S. Factoring do?
A.B.S. Factoring is a bank-independent financial services provider that purchases outstanding receivables from B2B clients (SMEs) for immediate liquidity — up to 90% of invoice value paid within 24 hours — and assumes the full bad debt risk (del credere) and debtor management function. The portfolio spans Full Service Factoring, Quick Factoring for smaller companies, Export and Cross-Border Factoring, quickpaid (a Buy Now, Pay Later platform for purchase financing), and Inkasso (debt collection). Via subsidiary dgpar GmbH, it also delivers GOÄ-compliant private medical billing services to German healthcare providers.
Is A.B.S. Factoring a public or private company?
A.B.S. Factoring is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was A.B.S. Factoring founded?
A.B.S. Factoring was founded in 1996. It employs 51 to 100 people.
Where is A.B.S. Factoring based?
A.B.S. Factoring is headquartered in Wiesbaden, Germany, in the Europe region.
How does A.B.S. Factoring make money?
Five revenue lines are on record. Full Service Factoring (Factoring Fee) is the primary driver. The others are bad Debt Protection / Del Credere, debtor Management & Collection, private Medical Billing (dgpar GmbH) and quickpaid Purchase Financing.
Who are A.B.S. Factoring's main competitors?
Broad incumbents on record are Coface, Allianz Trade (formerly Euler Hermes) and HSBC Trade and Receivables Finance. Direct peers are Bibby Financial Services, Stenn International, Close Brothers Invoice Finance, Deutsche Factoring Bank and Aldermore Invoice Finance. Fundbox is listed as an emerging player. BlueVine is listed as a regional player.
Does A.B.S. Factoring have an API?
No public API is recorded for A.B.S. Factoring.
What industry is A.B.S. Factoring in?
A.B.S. Factoring's product category is Receivables 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 5222 and its SIC code is 6153.