What Our Clients Say
MBFACTA SPA measures success by the operational and financial improvements our clients experience after implementing a factoring or receivables financing facility. We regularly invite clients to share their honest assessments of the programme's impact on their working capital position, supplier relationships, and administrative workload. The feedback below reflects the direct experiences of businesses across different sectors that have partnered with us over the past several years.
We were carrying 60-day payment terms across our main buyer base and it was creating serious strain on our ability to fund raw material purchases. MBFACTA SPA structured an invoice financing facility that advances 88% of each approved receivable within two business days of issuance. Our cash conversion cycle dropped by nearly five weeks in the first quarter, which directly allowed us to take on two new production contracts we would otherwise have had to decline. The transparency of the pricing — a single disclosed discount rate with no add-ons — was something we had not found with other providers.
— Thomas Weidner
★★★★★
As a logistics company with buyers in seven different countries, managing receivables collection was consuming a disproportionate amount of our finance team's time. MBFACTA SPA took over the collection function entirely and within three months our average days-sales-outstanding fell from 74 to 51 days. Their collection team communicates professionally with our buyers and has not damaged a single commercial relationship in the process, which was our biggest concern when we considered outsourcing. The monthly portfolio report we receive is detailed and genuinely useful for our own financial planning.
— Mireille Fontaine
★★★★★
We export industrial components to buyers across Europe and the payment cycles were creating a working capital mismatch that limited how many orders we could process at once. MBFACTA SPA's international factoring programme — using their correspondent network in the destination markets — gave us both the financing and the credit protection we needed for buyers we did not know well. The onboarding took six business days from first meeting to first funding, which exceeded our expectations given the complexity of a multi-country structure.
— David Kamau
★★★★★
Our company implemented MBFACTA SPA's reverse factoring programme to support our top 12 suppliers, who were frequently requesting early payment and creating unpredictable cash outflows for our treasury. After the programme launched, supplier payment requests became predictable, our payment terms extended by 30 days on average, and three of our suppliers told us the facility had materially reduced their financing costs. The implementation process was well-managed and required less involvement from our internal IT team than we had anticipated.
— Lucia Marchetti
★★★★☆
I was initially sceptical that a factoring provider could offer meaningful credit risk protection on our receivables portfolio without simply declining cover on the buyers we were most worried about. MBFACTA SPA's credit team reviewed our debtor book in detail, assigned limits based on actual financial analysis rather than generic scoring, and covered four buyers that other providers had refused. We have since had one buyer default that was fully covered under the non-recourse structure, which validated the value of the credit protection in concrete terms.
— Stefan Grabowski
★★★★★