Explore Our Receivables & Liquidity Solutions
The financial needs of a growing business extend well beyond a simple loan. GENERALFINANCE SPA has built a comprehensive suite of receivables financing, factoring and business credit products that address the full spectrum of liquidity challenges companies face across their trading cycles. Our solutions are engineered to integrate with your existing accounting and ERP systems, reducing administrative overhead while accelerating your cash conversion cycle. We continuously invest in underwriting methodology, technology and collections capabilities so that our clients have access to best-in-class tools without building them in-house. Whether you are optimising working capital, managing a complex debtor book or navigating a corporate restructuring, the services described in this section can be combined into a single integrated financing programme managed by GENERALFINANCE SPA.
Receivables Financing Products
Commercial Receivables Financing
Our flagship product converts your trade receivables — invoices issued to business customers for goods delivered or services rendered — into an immediately accessible revolving credit line. The facility is secured against the receivables themselves rather than fixed assets, making it accessible to businesses that lack traditional collateral. Draw-downs are processed within 24 hours of invoice submission, and repayment occurs automatically as your debtors settle.
Invoice Advances
An invoice advance is a targeted, single-invoice or batch financing tool that allows you to unlock the value of specific receivables without committing your entire debtor book to a full factoring programme. This is particularly useful for businesses with seasonal peaks, large one-off contracts or clients with extended payment terms. Advances are confidential by default, meaning your customers are not notified of the financing arrangement.
Business Credit Facilities
Beyond receivables-backed products, GENERALFINANCE SPA arranges structured business credit facilities that can be used for supply chain financing, pre-shipment funding or bridging short-term capital requirements. These facilities are credit-assessed against your overall financial profile, revenue trends and sector dynamics. Terms range from 30 days to 24 months depending on the purpose and structure of the facility.
Factoring Structures Explained
Pro Soluto Factoring
In a pro soluto structure, GENERALFINANCE SPA purchases your receivables outright and assumes full credit risk in the event your debtor becomes insolvent or fails to pay. This transfers the bad debt exposure from your balance sheet to ours, allowing you to plan cash flow with greater certainty. It is best suited for businesses selling to a spread of debtors where individual credit risk is difficult to monitor internally.
Pro Solvendo Factoring
Under a pro solvendo arrangement, we advance funds against your receivables but the credit risk of debtor non-payment remains with you as the assignor. If a debtor defaults, the advance must be repaid or offset against other receivables in your portfolio. This structure typically carries a lower factoring fee and is preferred by businesses with strong, well-known debtors whose credit quality they are confident in.
Receivables Collection Services
Whether your receivables are financed through us or not, our professional collections team can be engaged to manage your outstanding invoice book. We follow a structured escalation process — from automated payment reminders through to negotiated payment plans and, where necessary, formal legal referral — always prioritising the preservation of your commercial relationship where possible.
Specialist & Advisory Services
Corporate Restructuring Finance
When a company's existing debt structure is no longer sustainable, our restructuring finance team designs interim liquidity solutions that stabilise operations while a broader reorganisation plan is executed. We work in coordination with insolvency practitioners, legal advisors and management teams to ensure that financing is available at every critical stage of the turnaround. Our involvement can include bridge facilities, debtor-in-possession-style arrangements and receivables monetisation as part of asset recovery.
Debtor Risk Assessment
Before approving any receivable for advance or purchase, our credit analysts conduct a thorough assessment of each debtor's financial standing using trade references, bureau data and sector benchmarks. Ongoing monitoring means that if a debtor's risk profile deteriorates during the life of your facility, we alert you and adjust eligibility criteria accordingly to protect your programme. This proactive service is included in all plans above the Essential tier.
Portfolio Reporting & Analytics
Clients on all plans have access to a secure online reporting portal that provides real-time visibility into their receivables portfolio — outstanding advances, debtor ageing, collection status and facility utilisation. Corporate plan clients additionally receive a live API data feed for integration with their ERP or treasury management systems. Accurate, timely data is fundamental to informed financial decision-making.