The Model | MBFACTA S.p.A. Skip to main content About Us Company Profile Services Factoring The model Our products and services Legal Benchmark Regulation COVID-19 Contacts Reserved Area EN IT Ricerca Enter your keywords Confirming Factoring internazionale Factoring Rateale Maturity Maturity con dilazione Reverse Factoring The Model Factoring can meet the various needs of businesses, including those relating to the assumption of risk, supporting them in their relationships with their clients. Factoring transactions can be divided into two different categories: Recourse Target: small and medium-sized enterprises Recourse to the assignor in the case of insolvency of the assigned debtor. No assumption of credit risk by the Factor with respect to the assigned debtor. Assigned debtors remain the primary source of repayment. Possibility of intervention on individual debtor. Non-recourse Target: medium-large companies There is no recourse in the event of the assigned debtor's insolvency. Assumption of credit risk by the Factor with respect to the assigned debtor. Intervention on a portfolio of debtors. For both categories, the factoring transaction can be: Notification The Client/Debtor is aware of the receivable assignment and pays the Factor directly The Factor, on behalf of the Supplier/Assignor, notifies the Client/Debtor of the receivable assignment High management impact for the Factor, which directly manages collections in place of the Supplier/Assignor The Factor has a direct relationship with the assigned debtors 1The Supplier invoices the Client 2The Supplier assigns the invoices to the Factor 3The Factor notifies the Client of the assignment 4The Factor advances the receivable to the Supplier (if requested) 5The Client pays the Factor directly at maturity Non-notification The Client/Debtor is not aware of the receivable assignment and continues to pay the Supplier/Assignor The Supplier/Assignor receives collections from the Client/Debtor and transfers them to the Factor Low management impact for the Factor (collections are managed by the Supplier/Assignor) No relationship between Client/Debtor and Factor 1The supplier invoices the client 2The supplier assigns the invoices to the Factor 3The Factor advances the receivable to the Supplier (if requested) 4The Client pays the Supplier at maturity 5The Supplier transfers collections to the Factor Our Factoring Services MBFACTA Factoring is a set of financial and management services developed to meet the most demanding requirements of industrial and commercial companies. Thanks to its solidity, and the dynamism and flexibility of its structure, MBFACTA guarantees "tailor made" factoring solutions for any type of company, while also being able to count on the high level of experience, competence and professionalism of its Specialists. Discover our products and services About Us Company Profile Services Factoring The model Our products and services Legal Benchmark Regulation COVID-19 Contacts Reserved Area Cookie Policy Privacy Transparency WHISTLEBLOWING ACCESSIBILITY MBFACTA S.p.A. via Siusi 7, 20132 - Milan +39 02 2899911 VAT No.: 10536040966 Tax Code and Milan Companies Register entry no.: 04706200153 mail