Factoring & Reverse Factoring
Sell receivables outright, or let your buyer's credit rating fund your invoices. Two structures, one platform.
Factoring
You assign receivables to a financier who advances most of the value now and collects from your buyer on due date. With recourse, you stand behind buyer default; without recourse, the financier does. Either way the receivable leaves your balance sheet and your team stops chasing collections.
GTFHUB handles the assignment, notice to the buyer, collection tracking and reconciliation, so a factoring line behaves like an always-on facility rather than a one-off transaction.
- Recourse and non-recourse structures
- Collections and reconciliation on-platform
- Domestic and export factoring
Reverse Factoring
Anchor-led. A large buyer approves supplier invoices on the platform and financiers fund them at a rate that reflects the anchor's credit, not the supplier's. Suppliers get paid early; the anchor pays the financier on the original due date, or later if the programme extends terms.
For anchors it is a way to strengthen a supply base without touching their own liquidity. For suppliers it is often the cheapest working capital they will ever access.
- Pricing on the anchor's credit rating
- Programme onboarding for hundreds of suppliers
- Optional term extension for the anchor
Factoring vs Reverse Factoring
| Factoring | Reverse Factoring | |
|---|---|---|
| Who initiates | Supplier | Buyer (anchor) |
| Credit assessed | Supplier and buyer | Anchor |
| Typical pricing | Supplier-linked | Anchor-linked, lower |
| Best for | Suppliers with many buyers | Anchors with many suppliers |
| Balance sheet | Off-balance-sheet for supplier (non-recourse) | Trade payable for anchor, off-BS for supplier |
How anchors launch a programme
Scope
Select supplier segments and set programme terms.
Onboard
Suppliers complete KYB digitally; limits set by the BRE.
Approve
Anchor approves invoices in bulk or via ERP integration.
Fund & settle
Financiers fund; anchor settles on due date through auto-debit.
Frequently asked
Does my buyer know?
In factoring the buyer is notified of the assignment. In reverse factoring the buyer runs the programme, so yes by design.
Can I factor selectively?
Yes. Whole-turnover and selective factoring are both supported.
How many suppliers can a programme hold?
No practical limit; programmes on the platform run from a handful of strategic suppliers to several thousand.
Capital, when the invoice is raised.
Not sixty days later.
Tell us what you're financing and we'll route you to the right desk.
Get in TouchAll Things Finance –
Tech Enabled
High value transactions deserve a conversation. Tell us what you are trying to do and we will route you to the right desk.