Factoring in Switzerland.
Are you looking to grow your business, enter new markets and make better use of new opportunities? When outstanding receivables, long payment terms or delayed payments restrict your liquidity, A.B.S. Factoring gives you immediate financial flexibility. For Swiss SMEs with ambitious plans.
Your factoring partner in Switzerland
Based in Altendorf, A.B.S. Factoring AG has been an independent factoring partner for Swiss SMEs for 25 years. We help businesses in trade, manufacturing, services, export and e-commerce turn outstanding receivables into immediately available liquidity, protect themselves against payment defaults and significantly reduce the burden of accounts receivable management.
Factoring
For companies with long payment terms or growing receivables: gain immediate liquidity, relief from accounts receivable management and benefit from payment protection.
with quickpaid
For companies with high purchasing volumes or seasonal funding needs: quickpaid enables you to finance supplier invoices flexibly and digitally, independently of your main bank.
Would you like to reduce the workload involved in bookkeeping, dunning and receivables processes? A.B.S. manages your accounts receivable in the most professional way.
With credit protection, your receivables are professionally secured both in Switzerland and abroad. This helps you remain liquid, reduce risk and focus on your core business.
Funding that grows with your business – the benefits of working with A.B.S.
A.B.S. Factoring makes your liquidity more predictable. Rather than waiting for customers to settle outstanding invoices, you can convert your receivables directly into available working capital. This gives you the financial flexibility to invest in growth, take on new orders, purchase goods, expand your team and seize international business opportunities.
Your key benefits:
- Receive up to 90% of the invoice value within 24 hours
- Protection against payment defaults, including international transactions
- Less administrative work through professional accounts receivable management
- Greater planning certainty despite long payment terms and fluctuating incoming payments
- A funding facility that grows in line with your turnover
- Greater competitiveness by offering your customers longer payment terms
In short, your business remains liquid as it grows – regardless of when your customers pay.
Thanks to our innovative and ground-breaking developments, we are the growth champion in the healthcare recruitment and placement sector. Thanks to our collaboration with A.B.S. Factoring, we have been able to cope much better with the sharp increase in a very short space of time.
Bibi Lemmers & Melvin Sevenich
Founder Flexhaus AG
Staffing/Healthcare | With A.B.S. Full-Service Factoring, Flexhaus receives 90% of the invoice value within 24 hours, bridges long payment terms and manages rapid growth without bank financing.
Our business is all about people – that’s why we need a partner who thinks just like us. A.B.S. is personal, friendly and reliable in its dealings with customers. Exactly the values that we also represent!
Ahmet Catar
Founder of MTS Patiententransport GmbH
Patient Transport | With A.B.S. Factoring, MTS gains liquidity within 24 hours and reduces the administrative burden of managing around 40 transports per day.
It's that easy with A.B.S.
Factoring in Switzerland – immediate liquidity in four steps
Liquidity bottleneck?Have you agreed long payment terms, are you receiving slow payments from customers or do you have insufficient credit lines? We offer a solution for your financial bottlenecks.
Factoring proposalRequest your individual factoring proposal from A.B.S. Factoring AG and receive a funding solution tailored to your business needs.
PayoutSell your receivables to A.B.S. Factoring AG Switzerland on an ongoing basis. We pay out up to 90% of the invoice value within 24 hours.
Liquidity securedWith factoring in Switzerland, your liquidity is secured for the long term. You benefit from all the advantages of your tailored factoring solution and can focus fully on your core business.
Marc Meier
Managing Director, A.B.S. Switzerland
“We give Swiss SMEs the financial flexibility they need to grow – combining local expertise with 25 years of international factoring experience.”
Frequently asked questions about factoring in Switzerland
Factoring is suitable for B2B companies serving commercial customers, offering standardised products or services and generating annual turnover of at least CHF 500,000. It is particularly beneficial for businesses with recurring orders and long payment terms – from start-ups and SMEs to companies undergoing growth or restructuring. Factoring is generally not suitable for businesses dealing exclusively with private customers, advance payments or project-based services that have not yet been completed.
Rather than waiting weeks for outstanding invoices to be paid, you receive most of their value immediately. A.B.S. purchases your receivables and pays out the majority of the invoice amount within 24 hours. This significantly shortens your cash conversion cycle, releases tied-up capital and keeps your business financially flexible – regardless of when your customers pay.
Our core solution is full-service factoring: a comprehensive package combining the immediate financing of your invoices, 100% protection against payment defaults and complete accounts receivable management, including dunning and debt collection. We also offer solutions for specific situations, such as export and cross-border factoring, factoring during restructuring or insolvency, and tailored models for SMEs and start-ups.
Once your receivables have been sold, A.B.S. pays out up to 90% of the invoice value within 24 hours. The remaining amount is temporarily retained as security and paid out as soon as your customer settles the invoice. This gives you access to your funds almost immediately, rather than only after long payment terms have expired.
Factoring grows in line with your turnover, without a fixed credit limit or the need for renewed negotiations when your funding requirements increase. You do not need to provide tangible collateral or take on debt that must later be repaid. Selling your receivables can also improve key balance sheet ratios and strengthen your equity ratio, which may have a positive effect on your credit rating. Protection against payment defaults and accounts receivable management are included.
As an independent factoring partner with more than 30 years of market experience, A.B.S. understands the challenges facing SMEs from first-hand experience. We offer fast decisions, flexible solutions and personal advice instead of anonymous processes. Companies value the immediate liquidity without lengthy bank negotiations, the comprehensive protection against payment defaults and the relief provided to their accounting teams – combined with funding that adapts to their turnover.
With a bank loan, you borrow money, provide collateral and repay the amount with interest, with the decision usually based primarily on your own creditworthiness. With A.B.S. Factoring, you sell an existing asset: your outstanding receivables. The creditworthiness of your customers is therefore more important than your own. There is no repayment obligation, the available funding grows with your turnover, and protection against payment defaults and accounts receivable management are included.
