Indirect Factoring

“taking pro-active action in relation to liabilities”

  • Cost savings by simplifying payment procedures to suppliers
  • Optimising payment flows
  • Using trade debt as an alternative source of financing

The “indirect factoring” service targets large companies which need to rationalise their payment procedures, are seeking to strengthen trade relationships with suppliers and have significant volumes.

Mediocredito Italiano offers the possibility of improving the relationships with your company's suppliers and allows the accounting flows to be rationalised effectively via a single contact.
Mediocredito Italiano undertakes to effectively manage all of your company's payables concerning suppliers which enter into a triangular agreement among the Company, the suppliers concerned and Mediocredito Italiano.

Furthermore, the service guarantees that the suppliers benefit from timely support to manage payments, for the purpose of obtaining the best economic terms and conditions for the supplies. Your company's payables are paid directly to Mediocredito Italiano, optimising the cash flow via a single professional contact. The possibility of further extended payment terms granted by Mediocredito Italiano compared to the payment dates represents one of the favourable opportunities that your company can take advantage of.

Mediocredito Italiano guarantees insurance cover of the insolvency risk, at the suppliers' request, and is able to anticipate to the suppliers the amount of the credits purchased, based on a percentage to be agreed (generally 80%).


Advertising message. For details of the contractual terms of the products and services offered in Italy, please refer to the Fact Sheets available in Mediocredito Italiano’s Branches and on its internet website as well as in the Branches and on the internet sites of the Intesa Sanpaolo Group Banks that offer Mediocredito Italiano’s products and services.

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