Fidancia Factoring







Fidancia has signed an agreement with the leading European Factor, BNP Paribas Factor. Thanks to this collaboration, Fidancia introduces a financing tool that is suited for the textile and footwear sectors.

BNP Paribas Factor entrusts Fidancia with the collection management of the invoices transferred as well as the management of risk coverage through the Credit Insurance Company.

By means of this agreement, as well as others made with various national financial entities, Fidancia factoring offers you an integral system of outsourcing and financing with a sole interlocutor, providing solutions that are adaptable to your business volume.



What is factoring?

Factoring is a form of financing by means of which a client sells his invoices to a Factor, thus collecting the corresponding amounts before the invoices are actually due.


Our factoring:

Fidancia uses non-recourse factoring, a short-term financing tool that includes management of credit insurance, collection management and administrative procedures with all the involved subjects.



  • Non- recourse factoring provides immediate liquidity by financing the amount of the insured sales.
  • It improves the ratios of debt assessment and working capital, eliminating accounts receivable.
  • It avoids the risk of insolvency.
  • It does not show in the records of the Bank of Spain Risk Information Centre.
  • It allows a better planning of cash flow management, thus avoiding possible deviations.


How does Fidancia factoring work?

  1. Fidancia receives the client’s request to process the desired credit coverage for each one of its shops.
  2. Our Credit Department, together with the Credit Insurance Company, sets the credit limit for every shop.
  3. The result permits to decide which shops and which sales will be eligible for factoring.
  4. The Factor receives the invoices sold by the client and transfers to the latter a (previously agreed on) advance of the sales’ total amount.
  5. The client sends the invoices to the shops and to Fidancia. To the latter, he also forwards all the documentation related to the goods’ delivery.
  6. Fidancia takes care of collecting the invoices, which are now owned by the Factor.
  7. Once the total amount of an invoice has been collected, the Factor transfers to the client the remaining portion of the amount.
  8. In case of insolvency, Fidancia manages the contentious files together with the credit insurance company. For all future compensations, the beneficiary will be the Factor.



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