Reverse Factoring

The smart solution for Supply Chain Financing

Increased working capital efficiency

Improved commercial relations

with suppliers

Simple and electronic workflow

Reverse Factoring also known as Supply Chain Finance, is a financial solution where a company (as buyer) collaborates with the Bank to ensure that their suppliers receive early payments.

How does it work?

- The buyer signs an agreement with OTP Bank S.A
- Invoices accepted for payment are uploaded online to the e-Factoring platform
- The supplier receives the money immediately, and the buyer retains the negotiated payment terms

The result?
The buyer can direct working capital to other strategic projects, and the supplier has immediate access to liquidity, at advantageous costs and without the risk of non-payment.

Why is this a win-win solution?

- For the buyer - ability to extend payment terms without affecting the relationship with suppliers and to maintain supply chain stability.
- For the supplier - quick access to liquidity and payment security.

Advantages for the Supplier:

Receives payment immediately after the invoice is approved by the buyer.

No collateral and no financial analysis.

Financed on the Debtor's credit risk.

Costs adapted to the Debtor's rating.

No increase in credit exposure.

Advantages for the Buyer:

Extended payment terms, without financial pressure on suppliers.
Optimized working capital, available for investment and development.
Strengthening of commercial relationships.
Stability and security of supply chain by providing a quick source of liquidity to partners.
Contribution to ESG objectives – supporting suppliers and sustainable financing.

Reverse Factoring eliminates the pressure of pre-maturity payments and turns your relationship with suppliers into a competitive advantage.

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FAQ

Who can be a Debtor?

Any company, OTP Bank customer, with acceptable financial standing that OTP Bank can assume the credit risk for, which wants to offer its suppliers quick access to liquidity.

What are the conditions for suppliers to access the service?

The Debtor must agree to enroll in Reverse Factoring.

Is there a limit on the amount or number of invoices?

There is no fixed limit—invoices of any amount and in unlimited numbers can be assigned, provided they fall within the limit set in the Factoring Agreement.

How are invoices uploaded?

The debtor fills in a single file with the details of the invoices accepted for payment and uploads it to the WEB platform via e-Factoring.

How does the financing take place?

As soon as the Debtor has uploaded the invoices accepted for payment, the supplier connects to e-Factoring and selects the invoices for which they wish to receive advance payment.

How quickly is the payment made to the supplier?

After selecting the invoice for financing, the money reaches the supplier's account within a maximum of one hour.

What are the costs?

Commissions depend on the Debtor's rating, estimated volume, payment terms, etc.

Who pays the commissions?

Depending on the commercial relationship, commissions can be paid by the supplier, the buyer, or flexibly shared between both parties.

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