Sozialfactoring Gmbh
SozialFactoring GmbH is a Cologne-based German factoring company that pre-finances receivables owed to healthcare and social-care providers by statutory health and long-term care insurers (SGB V / SGB XI), serving SMBs and enterprises across all 16 federal states with a software-integrated factoring platform.
- Company typePrivate
- Founded1995
- HeadquartersKöln, Germany
- Headcount—
- GTM typeB2B
- OfferingServices
What Sozialfactoring Gmbh does
SozialFactoring GmbH is a German factoring company that purchases outstanding receivables owed to healthcare and social welfare service providers by statutory health insurers (Krankenkassen) and long-term care insurers (Pflegekassen) under the German Social Code (SGB V and SGB XI). Founded in 1995 (formerly operating as BFS Service GmbH until a March 2024 rebrand) and headquartered in Cologne, the company pays providers up to 100% of the receivable value upfront at a customer-defined time and then collects the full amount from the public payer, earning revenue on the spread between purchase price and face value.
The company's platform is built around a web-based customer portal for daily account visibility, flexible payout scheduling, and document management, combined with pre-built integrations to more than 40 care management and medical billing software platforms (including MEDIFOX DAN, DMRZ, CompuGroup Medical, myneva, and AGFA). A distinguishing feature is Ausschnittsfactoring — selective factoring that allows clients to choose which debtor groups or invoice categories to finance — along with a digital onboarding flow (Factoringantragsstrecke) integrated with Creditreform for pre-qualification. Pricing is quote-based, transaction-fee, and VAT-exempt, with no public rate card.
SozialFactoring targets SMB to enterprise customers across ambulatory nursing, intensive/home care, medical transport, hospitals and rehabilitation clinics, medical aids providers, midwives, and other social-economy verticals, distributed across all 16 German federal states. The company is a sister entity of Bank für Sozialwirtschaft AG (SozialBank), is supervised by BaFin as a financial services company under §1 KWG, and is registered as a debt collection entity under §10 RDG. Go-to-market is sales-led with named account managers, supported by a 40+ software partner referral network and active participation at major German healthcare trade fairs.
Sozialfactoring Gmbh firmographics
Firmographics- Name
- Sozialfactoring Gmbh
- Legal name
- SozialFactoring GmbH
- Website
- https://sozialfactoring.de
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Short description
- SozialFactoring GmbH is a Cologne-based German factoring company that pre-finances receivables owed to healthcare and social-care providers by statutory health and long-term care insurers (SGB V / SGB XI), serving SMBs and enterprises across all 16 federal states with a software-integrated factoring platform.
- Ownership category
- akta.pro rank
Sozialfactoring Gmbh industry classification
Industry- Product category
- Healthcare Receivables Factoring
- NAICS
- Collection Agencies (56144), Health and Welfare Funds (525120), Sales Financing (52222)
- SIC
- Hospital & Medical Service Plans (6324), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- Accounts Receivable (A/R) & Collections Management (HLACACAJ), Healthcare Payouts (Payers-to-Providers, Patient Refunds) (FSAMAKAK)
Keywords
Where Sozialfactoring Gmbh is headquartered
LocationHeadquarters
- HQ city
- Köln
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Sozialfactoring Gmbh business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Factoring / Receivables Purchase (Forderungsankauf): The company purchases outstanding receivables from healthcare and social welfare service providers (self-billing practitioners) owed by statutory health insurers (GKV/Krankenkassen) and long-term care insurers (Pflegekassen) under SGB V and SGB XI. The company pays out the receivable value upfront (up to 100%) at a customer-defined time, then collects the full amount directly from the payers. Revenue is generated as the difference between the purchase price paid to the client and the full receivable amount collected from the payer. No patient data is processed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom factoring rates based on client profile, receivables volume, and debtor mix |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Sozialfactoring Gmbh product offering
Product offeringCore offering
SozialFactoring purchases outstanding receivables owed to healthcare and social welfare service providers by statutory health insurers (Krankenkassen) and long-term care insurers (Pflegekassen) under SGB V and SGB XI. The company pays out up to 100% of the receivable value upfront at a customer-defined time and then collects the full amount from the payer, offering predictable cash flow, flexible selective (Ausschnitts-)factoring, and seamless integration with 40+ billing and care software platforms. No patient data is processed; customer invoice numbers are preserved.
Differentiator
Problem solved
Functional benefit
Products and services
- Forderungsankauf / Receivables Purchasing (Factoring)
- Ausschnittsfactoring (Selective Factoring)
- Digital Factoring Inquiry and Onboarding (Factoringantragsstrecke)
- Kundenportal (Customer Portal)
- Software-Partner Integrations (40+ billing/care software integrations)
Quantifiable outcome
- Up to 100% prepayment on receivables from health insurers
- +2 more outcomes
Companies that use Sozialfactoring Gmbh
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles6 records
Sozialfactoring Gmbh technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration37 records
Feature5 records
Sozialfactoring Gmbh partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- AGFA HealthCare SolutionscoreSoftware integration partnership enabling seamless data exchange between AGFA HealthCare's hospital IT systems and SozialFactoring's factoring platform. AGFA healthcare providers can submit receivables data directly to SozialFactoring for prepayment processing.
- CompuGroup Medical (CGM)coreIntegration with CompuGroup Medical's comprehensive healthcare software portfolio. CGM customers (physicians, therapists, care providers) can connect their billing software to SozialFactoring's factoring service for automated receivables management.
- MEDIFOX DAN GmbHcoreMEDIFOX DAN is a leading provider of care management software for inpatient and ambulatory care facilities. Integration enables direct data exchange for automated factoring submissions for care providers using MEDIFOX DAN systems.
- myneva (myneva, myneva.swing, myneva.heimbas)coreIntegration with myneva's suite of care management software products (myneva for ambulatory care, myneva.swing for ambulatory, myneva.heimbas for inpatient facilities). Enables automated factoring data exchange for care providers across all myneva platforms.
- Deutsches Medizinrechenzentrum GmbH (DMRZ)coreDMRZ provides cloud-based billing software for ambulatory care providers (especially nursing and therapy services). Deep integration allows DMRZ customers to submit receivables for factoring directly from the billing platform with minimal additional steps. CEO Bodo Braun of DMRZ participated in joint expert interview with SozialFactoring CEO Andreas Dehlzeit.
- SozialGestaltungminorSister company providing management consulting, sustainability management, and AI advisory services to the social economy. Joint presence at ALTENPFLEGE trade fair. Cross-promotion of services to shared customers. Shared corporate group positioning at the Kongress der Sozialwirtschaft.
- ETL ADVISION (Steuerberatungsgesellschaft)minorJoint exhibition at ALTENPFLEGE trade fair with ETL ADVISION, a tax advisory and accounting firm serving healthcare and social welfare providers. Co-marketing arrangement targeting shared customer base.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Sozialfactoring Gmbh competitors and assessment
Company assessmentBroad incumbents
- Demica: Supply chain finance and receivables-finance platform with European presence. Comparable A/R financing mechanism and transaction-fee model; serves larger corporates across multiple industries, positioning as a broad incumbent in the receivables-financing space.
- Coface SA: Global trade credit insurance and factoring incumbent with German operations. Comparable receivables-purchase mechanics and risk-management know-how, but operates at much larger scale across many industries rather than specializing in healthcare/social welfare.
- Deutsche Factoring Bank (within Deutsche Bank): Factoring offerings from major German banks (Deutsche Bank, Commerzbank) serve as broad incumbents. Comparable core factoring product but distributed through banking channels and not focused on the healthcare/social welfare vertical that SozialFactoring dominates.
- Bibby Financial Services: Major European SME factoring and invoice finance provider active in Germany. Comparable receivables-financing business model with international scale; less vertical specialization in healthcare/social welfare than SozialFactoring.
Direct peers
- abcfinance GmbH: Mid-market German factoring and financing provider within the abcfinanzgruppe. Comparable B2B factoring model and customer base; broader industry vertical coverage but similar regulatory exposure and product mechanics.
- VR Factorem GmbH: Factoring subsidiary of the cooperative banking group (Volksbanken Raiffeisenbanken). Comparable factoring product offering for SMEs with similar transaction-fee economics; benefits from bank-group distribution but is more generalist than SozialFactoring's healthcare specialization.
- TEAMFACTORING GmbH: German factoring company providing receivables purchasing to SMEs including healthcare-adjacent providers. Directly comparable transaction-fee revenue model and German-only footprint, with a more diversified sector mix than SozialFactoring.
- factoring PLUS GmbH: Direct German factoring specialist offering receivables purchasing for SMEs across multiple sectors. Closest comparable in business model (transaction-based factoring with similar customer profile) although less healthcare-vertical-focused than SozialFactoring.
Emerging players
- C2FO: Digital working-capital marketplace enabling early-payment on receivables. Comparable in solving cash-flow gaps for suppliers, but uses a marketplace model rather than SozialFactoring's dedicated buy-and-collect approach; an emerging alternative model in the receivables-financing space.
- Taulia: Supply chain finance platform owned by SAP, providing dynamic discounting and early-payment solutions. Adjacent to SozialFactoring's receivables-financing proposition, with stronger ERP integration story but limited dedicated focus on German healthcare/social welfare.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Sozialfactoring Gmbh social profiles
Digital presenceSozialfactoring Gmbh financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sozialfactoring Gmbh leadership team
Management profileNumber of profiles
Profiles4 records
Sozialfactoring Gmbh funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sozialfactoring Gmbh 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 Sozialfactoring Gmbh
What does Sozialfactoring Gmbh do?
SozialFactoring purchases outstanding receivables owed to healthcare and social welfare service providers by statutory health insurers (Krankenkassen) and long-term care insurers (Pflegekassen) under SGB V and SGB XI. The company pays out up to 100% of the receivable value upfront at a customer-defined time and then collects the full amount from the payer, offering predictable cash flow, flexible selective (Ausschnitts-)factoring, and seamless integration with 40+ billing and care software platforms. No patient data is processed; customer invoice numbers are preserved.
Is Sozialfactoring Gmbh a public or private company?
Sozialfactoring Gmbh is a private company. It is classified as corporate owned and is currently operating.
When was Sozialfactoring Gmbh founded?
Sozialfactoring Gmbh was founded in 1995.
Where is Sozialfactoring Gmbh based?
Sozialfactoring Gmbh is headquartered in Köln, Germany, in the Europe region.
How does Sozialfactoring Gmbh make money?
One revenue line is on record: factoring / Receivables Purchase (Forderungsankauf).
Who are Sozialfactoring Gmbh's main competitors?
Broad incumbents on record are Demica, Coface SA, Deutsche Factoring Bank (within Deutsche Bank) and Bibby Financial Services. Direct peers are abcfinance GmbH, VR Factorem GmbH, TEAMFACTORING GmbH and factoring PLUS GmbH. Emerging players are C2FO and Taulia.
Does Sozialfactoring Gmbh have an API?
No public API is recorded for Sozialfactoring Gmbh.
What industry is Sozialfactoring Gmbh in?
Sozialfactoring Gmbh's product category is Healthcare Receivables Factoring. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of HLACACAJ, Accounts Receivable (A/R) & Collections Management. Its NAICS code is 56144 and its SIC code is 6324.