Balance top-up

Looking to finance your accounts receivable but retain control of management?

Eurofactor, the Crédit Agricole Leasing & Factoring brand specialised in factoring, offers the balance top-up solution for major groups and MSEs⁽¹⁾ with structured organisation for accounts receivable management.

Finance your accounts receivable with balance top-up 

With the balance top-up solution from Crédit Agricole Leasing & Factoring, you can finance your customer balance while retaining control of your business relationship and complete management of your accounts receivable.

Our services include:

• financing of your customer balance in France and internationally
• cover against the risk of insolvency⁽²⁾ of your customers (optional)

Fast, easy financing

You mass-assign your customer balance to us via an electronic file, and you are financed the balance within 24 hours⁽³⁾.

Your financing will progress to suit your turnover and change based on your customer balance.

Controlled management

With our balance top-up solution, you continue to manage all your accounts receivable: dunning and collection, payment allocation, payment receipt.

Secure transactions

We inform you about the financial health of your prospects and you are 100% covered⁽⁴⁾ against the risk of insolvency⁽²⁾ of your customers.

We guarantee you transaction confidentiality with regard to your business partners through the use of a dedicated bank account.

How does the balance top-up work?

1. You issue your invoices.

2. You mass-assign your accounts receivable to CAL&F.

3. CAL&F guarantees the invoices and finances the balance.

4. You handle dunning and collection yourself.

5. Your customers pay what they owe into a dedicated bank account.

^{(1) Minimum threshold of €12M in turnover}

^{(2) Court-ordered}

^{(3) Subject to invoice compliance and compliance with contractual conditions}

^{(4) Up to the agreed cover}