Liquidity Management - Maintain your company's liquidity

Unpaid invoices that remain unsettled despite dunning have a negative impact on balance sheets and can jeopardise entire companies. We secure your liquidity and offer you maximum transparency – both for receivables sales and when valuing receivables portfolios.

These benefits really pay off

Maintain your solvency

We make it easy for you to sell us large quantities of outstanding receivables that you do not wish to spend time and money chasing up yourselves.

Know the value of your portfolio

We support in analysing your outstanding receivables and with all rating-related processes.

Monitor outstanding receivables

Our continuous monitoring facilitates precise forecasts and transparent risk assessments for all parties.

Liquidity Management

Liquidity Management

Secure your solvency, sell your receivables
Sale of Receivables

Do you have large quantities of receivables that you are either unable or unwilling to chase up? If so, simply sell these to us. This gives you fast liquidity and improves your financial position. It also saves you time and money in your receivables management and legal departments. Not only can you then protect your customer relations through professional collections management and clean up your balance sheet – but also avoid the risk of bad debts. This delivers direct benefits:

  • Immediate liquidity
  • Clean up your balance sheets
  • Improve your rating
  • Protect your customer relations
  • Save resources

Portfolio valuation and monitoring: all information under control
Portfolio Management

As longstanding experts in the field of portfolio management, we support you from the measurement stage, all the way up to sale of your outstanding receivables. We place great emphasis on independent consulting and comprehensive documentation. Thanks to continuous monitoring, we also secure transparency for all parties involved when handling large portfolios. You can then enjoy the following benefits:

  • Entire worldwide receivables process from a single source
  • Many years of experience in international collections management
  • High degree of collections expertise in various markets
  • Communication available in many different languages

Consulting on liquidity management

Would you like some individual advice? If so, please contact us and our colleagues will get back to you promptly. We will then work together to analyse your company's requirements.

Large enterprise solutions

We offer large companies tailor-made solutions. These address the individual requirements of their specific sectors and portfolio.

Our solutions for all of your plans

Solutions for collections management

Increase incoming payments and improve your company's credit standing with professional collection services.

Solutions for risk management

Our risk assessment system evaluates the credit rating of your shoppers in real time. This allows you to prevent payment defaults directly in the checkout process.

Anti-fraud solutions

Protect both yourself and your shoppers from fraudsters and criminals. Learn how we can support you in this regard with intelligent solutions.

Frequently Asked Questions

FAQs on this topic

What happens when selling receivables?

The sale of receivables is also known as factoring. Here, a company sells its receivables directly after drafting the invoices in exchange for immediate payment of the outstanding amount. The receivable is transferred to a new creditor – based on a corresponding purchase contract. The sale of receivables is completed when ownership of the respective receivables has been transferred. The seller of the receivable is then liable for the validity of the receivable, not for its collectability. The default risk is therefore generally also transferred to the new creditor with the sale.

What are NPL receivables?

Receivables are often sold as so-called non-performing loan (NPL) packages. These are unsecured receivables, which are sometimes also referred to as "defaulting receivables". Receivables with long payment periods are also classed as non-performing loans. When sold, the total value of the receivable minus a deduction is assigned to the new creditor. This increases the liquidity of the former creditor. It also improves their balance sheet, as they then no longer have to wait for the debtor to pay the outstanding balance in future. This purchase of receivables is primarily performed by collection agencies.

What is factoring?

With factoring, a company sells its receivables to a factoring company immediately after drawing up the invoice(s). This allows the selling company to avoid the risk of a payment default and also dispense with the process for monitoring outstanding receivables. In addition, factoring gives the company immediate liquidity. This can then be used for any number of things, such as making the most of supplier discounts or performing investments of its own.