Turning outstanding invoices into working capital, clearly explained.
ADELTA.FINANZ AG publishes informational guidance on factoring, accounts receivable management, and financial services for small and medium-sized enterprises across Germany and the EU. Everything on this site is provided for informational purposes only.
Three areas of financial information for growing businesses
These pages explain how factoring and receivables management generally work, so finance teams can evaluate options before speaking with an advisor.
Invoice Factoring
How businesses sell outstanding invoices to convert receivables into available cash, and what typically affects advance rates and fees.
Accounts Receivable Management
Approaches to tracking, verifying, and collecting on customer invoices, including credit checks and structured follow-up processes.
SME Financial Services
General information on financing structures relevant to small and medium-sized enterprises managing cash flow and growth.
A typical four-step process
The sequence below describes, in general terms, how a factoring arrangement commonly proceeds from invoice submission to final reconciliation.
Invoice submission
A business issues an invoice to its customer and submits a copy for review as part of the factoring process.
Verification & credit check
The invoice and the debtor's creditworthiness are typically reviewed before any advance is considered.
Advance disbursement
A percentage of the invoice value may be made available once verification is complete.
Collection & reconciliation
The customer pays the invoice on its due date, and the remaining balance is reconciled after fees.
Understanding receivables before you evaluate financing
Unpaid invoices tie up capital that businesses could otherwise use for payroll, inventory, or expansion. This site explains the mechanics behind receivables financing so decision-makers can approach the topic with context.
- Plain-language explanations of factoring terminology and common structures.
- An overview of how accounts receivable are typically tracked and managed.
- Context on where SME-focused financial services generally fit into a cash flow strategy.
Have a question about factoring or receivables finance?
Reach out and our team will get back to you with general information.