FACTORING & RECEIVABLES FINANCE

TURNING RECEIVABLES INTO WORKING CAPITAL

Factoring & Receivables Finance ATIB

FINANCE AFTER THE SALE HAS BEEN MADE

A business may have successfully delivered goods or completed services but still wait 30, 60, 90 days or longer before receiving payment from its customer.

During that period, capital remains tied up in the receivable while the business may still need to pay suppliers, purchase inventory, meet operating costs and fulfil new customer orders.

Factoring and receivables finance may allow an eligible business to access part of the value of approved invoices before the customer’s contractual payment date.

ATIB considers the underlying commercial transaction, validity of the receivable, customer responsible for payment, remaining payment period and collection route when assessing whether receivables finance may be appropriate.

RECEIVABLES FINANCE CAPABILITIES

ATIB may consider different receivables-finance structures depending on whether the client requires liquidity against an individual invoice or an ongoing portfolio of genuine, verifiable customer obligations.

RECEIVABLES FINANCE

Funding considered against eligible invoices arising from completed commercial activity, allowing the business to access liquidity while awaiting the customer’s contractual payment date.

SINGLE-INVOICE FINANCE

Finance against an individual material receivable where the underlying transaction has been completed, the payment obligation can be verified and the customer is considered acceptable.

ONGOING RECEIVABLES FACILITIES

A revolving structure under which eligible invoices from an approved portfolio may be submitted for financing within agreed facility parameters as receivables are created and collected.

FACTORING & RECEIVABLES ADMINISTRATION

Where operationally available, factoring may combine financing with agreed elements of receivables monitoring, collection administration, reconciliation and reporting.

EXPLORE WORKING CAPITAL FINANCE

LIQUIDITY BUILT ON COMPLETED BUSINESS

Receivables finance should be supported by genuine commercial activity, a valid customer payment obligation and a clear route for the resulting proceeds to reach the agreed collection account.

  • Goods delivered or services completed

  • A genuine and verifiable receivable established

  • Customer payment capacity considered appropriately

  • Invoice value and payment date clearly documented

  • Assignment and collection arrangements defined

  • Disputes, dilution and concentration risk understood

ATIB may assess the seller, customer, underlying contract, invoice, delivery or completion evidence, payment history, assignment rights and any deductions or disputes affecting the receivable. An invoice is not financeable merely because it has been issued; the underlying commercial obligation must be genuine and capable of satisfactory verification.

RELEASING CAPITAL ALREADY EARNED

Receivables finance can help a viable business convert completed commercial activity into earlier liquidity rather than waiting for the full customer credit period to expire.

ATIB seeks to finance genuine, verifiable receivables owed by credible customers within structures that establish clear collection arrangements and an identifiable route to repayment.

Funding required before goods or services are delivered may be better suited to Working Capital Finance. Cross-border receivables may connect with Import & Export Finance, documentary payment arrangements with Letters of Credit, and wider cash-flow or currency requirements with Treasury & Liquidity Solutions.

DISCUSS YOUR RECEIVABLES