A.B.S. cross border factoring.
Your bridge Asia → Europe.
Fully financed.
A.B.S. cross-border factoring is an innovative solution for factoring companies, trade finance platforms and originators who finance exporters selling to European buyers — we provide the funding line, debtor risk cover and local EU collections, so you can scale cross-border trade without balance-sheet pressure or operational complexity.
- +25
Million $ financed since launch
- %90
Max. advance rate
- 7
local teams in EU countries
- +5
Years track record
The problem we solve
Cross-border trade financing breaks down at scale:
- Funding sources are fragmented and often expensive
- European debtor risk is hard to assess and manage remotely
- Collections, legal enforcement and language barriers slow growth
- Bank lines increase on-balance-sheet leverage
A.B.S. Cross-border factoring removes these bottlenecks.
Four parties. One clean flow.
Tradeflow is a partner-led cross-border factoring model. You source and onboard the Asian suppliers. A.B.S. manages the European debtor side — bringing European reach, credit risk coverage and the financing line. Your balance sheet stays clean.
Your role
Partner
You onboard Asian suppliers, manage the supplier relationship and forward invoices. You stay fully in control of your client base.
Factoring Co. / Platform / Originator
Financing engine
A.B.S. Cross-Border Factoring
We provide the financing line (advance rates up to 90% of invoice value), take on the European buyer credit risk, handle dunning and collections across Europe.
Financing + Credit Cover + Collections
The payer
European Buyer
SME or large corporate buyers across the EEA, UK and Switzerland. We manage the debtor relationship directly — you never need boots on the ground in Europe.
EEA + UK + Switzerland
The client
Asian supplier
Supplier manufactures and ships products as usual. You manage the supplier relationship
Exporter
How it works
-
- Supplier sends goods/services to European buyer
- Receivables are assigned to A.B.S. (directly or via Partner)
- A.B.S. pays advance to Partner (up to 90% of invoice value)
- Partner pays Supplier — with their margin built in
- European Buyer pays A.B.S. on due date
- A.B.S. pays balance to Partner
Debtor confirmation options:
- IPU (Irrevocable Payment Undertaking) — digitally signed, transaction-level
- Non-IPU structures — for large or strategic partners
Who is it for
Built for three types of partners
Whether you’re a licensed factoring company, a digital trade finance platform or a direct originator — Tradeflow is structured to fit your model.
Factoring Companies
Licensed factoring firms in Asia and emerging markets who finance from their own balance sheet. You know the product — we add the European reach.
Trade Finance Platforms
Digital marketplaces, pure originators, receivables exchanges. You handle onboarding and tech — we handle the European financing layer and credit risk.
Direct Suppliers
In select cases, we work directly with Asian exporters. Higher due diligence, but possible for established exporters with strong European buyer relationships.
Why partners trust us
Your financial gains
Fixed cost to you. Flexibility to add your own margins. Not just a refinancing line. A full-service European partner that takes work off your plate.
Low cost
Pay only on utilisation
Your funding line from A.B.S. is priced very attractively. Pay per use line without any commitments.
Off-BS
No debt on your books
Our financing line is not a bank debt on your balance sheet. You diversify funding sources and build capacity — without impacting your borrowing headroom.
100% debtor risk transferred
We take on the European buyer’s credit risk and handle all collections. You focus on sourcing — we handle everything once the invoice leaves Asia.
Coverage across EU local presence in 7 countries
Local teams and local languages across Germany, Austria, Switzerland, Slovenia, Croatia, Poland, Netherlands, UK and more. Especially strong in CEE/Balkan SME markets other Import Factors don’t cover.
2 confirmation structures available
We work with digital IPU (per-transaction) for smaller debtors and Non-IPU structures for large MNCs who won’t sign IPUs. Not locked into one model.
95%+ partner-sourced deals
Our business is partner-led. We don’t compete with you for suppliers. We power your business — you keep the client relationship; we provide the infrastructure.
High Margins freedom to charge suppliers
Your funding line from A.B.S. is at a fixed cost. You have full flexibility to build in and add your margin and charge higher pricing to suppliers.
Speed & scale
- Onboarding within days, not months — no drawn-out bank approval processes
- Proven legal and contractual framework — tested across 7 jurisdictions
- Scales with you — from individual SME debtors to large multinational buyers
Geographic footprint
Suppliers / Partners: Asia (India, Vietnam, China, Malaysia, Singapore, Hong Kong, Pakistan, Indonesia, Thailand, Taiwan), Middle East, Egypt
Debtors: EEA, UK, Switzerland
A.B.S. local presence across Europe ensures language, legal and cultural proximity.
Track Record
A track record built since 2020 — across India, Pakistan and beyond.
Credlix | Financing exporters from India, Mexico & the U.S. | Partner since 2020
500+ invoices financed
Credlix connects Indian exporters with European buyers. A.B.S. provides EUR and GBP denominated financing lines — enabling Credlix to offer reliable European receivables financing without taking on debtor credit risk.
Recycled plastic bag manufacturer India
7x revenue growth
Continuous financing relationship over five years.
An Indian manufacturer of recycled plastic bags exporting to a large UK aggregator. A.B.S. has financed their receivables for five consecutive years — providing reliable liquidity against a strong, creditworthy European buyer and enabling the supplier to scale rapidly.
Ready to power your european flow?
Book a 30-minute discovery call. We’ll walk through your current deal flow, target debtor markets, funding structure and pricing logic — and tell you honestly whether A.B.S. cross-border factoring fits.
We've heard the objections. Here are our answers.
The questions every prospect asks — and what makes A.B.S. cross-border factoring different.
Our pricing is very attractive, with particularly strong rates in EUR. We have volume based pricing structure that becomes even more advantageous as volumes increase.
✓ Best fit: EUR/GBP/USD-denominated invoices
We need the debtor to be notified about the factoring from A.B.S. and a confirmation that they will pay to our bank account. We typically have 2 options:
- IPU (Irrevocable Payment Undertaking) — digitally signed by the Debtor at an invoice-level
- Non-IPU structures — for large or strategic buyers
✓ Easy onboarding of debtor
We work with both structures. For smaller and mid-size debtors we prefer IPU via digital signing tools— it’s the legally strongest option. For large MNCs who categorically won’t do per-transaction) IPU, we evaluate Non-IPU on a case-by-case basis, typically with a one-time account change acknowledgement.
✓ Flexible: IPU and Non-IPU structures available
Bank account changes are a real operational hurdle — we know. In select cases we can work with pledged collection accounts, allowing the Partner to continue collecting in their existing structure. Evaluated deal by deal.
✓ Pledged account structures available
Your contact person for A.B.S. Cross-border factoring
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