Receivables finance with recourse

Are you a MID CAP or a Corporate?

You want to:

Optimise your financing capacity

Deal with cashflow gaps

Conserve your equity

Finance your working capital requirment via the sale of your client receivables

Financing with recourse of receivables without transfer of credit risk (i.e. financial defaulting of debtors) or via a policy signed with your credit insurer. 

Benefit from an optimised solution to finance your sales

Our corporate factoring solutions with recourse are made to measure taking into account your needs as well as the specifics of your activity.


  • Availability of funds within 2 business days*
  • Domestic and international receivables
  • You benefit from drawing rights enabling you to steer your cashflow

Various options


  • Your clients are not informed about the programme implemented (confidential)
  • You retain management of the sold receivables (recovery, reminders, accounting lettering) and  management of the trade relationship with your clients


  • Location of transferors in the EU or OECD
  • Expertise with mid-caps and corporate clients with pan-European multi-seller, multi-country, multi-currency programs, etc.


In order to support our clients with their ESG transition goals we have designed two new categories of ESG offers, which are applicable to our flagship products serving corporate clients in receivable finance :

Environmental and/or social financing

The first category of solutions proposed by Societe Generale Factoring aims to finance business activities with positive environmental or social impacts. 

Eligible environmental projects must involve assets in a list of eligible categories2, such as  renewable energy, waste management, clean transportation, hydrogen and sustainable water and waste-water management.

Eligible social projects concern the financing of social or societal claims from, for example, social and solidarity-based companies and associations, education and training, or social housing. The sectors principally concerned include healthcare, in particular hospitals, health insurance, as well as organisations caring for adults and children with disabilities.

A sustainability-linked offer

The sustainability-linked (SL) solution is aimed at companies that have developed an ambitious CSR (Corporate Social Responsibility) strategy to improve the environmental and social impacts of their activities. It rewards the achievement of CSR objectives as defined by our clients.

This approach encourages the transition of companies and their suppliers to more sustainable growth models. It is particularly appropriate for Supply Chain Finance programmes of large corporates that have many suppliers, such as mass retailers or industrial manufacturers.

These offers are subject to conditions, and subject to eligibility.


*Within 2 business days, on condition of a factoring current account in the black and a complete, up-to-date customer records file. 
Offer subject to conditions, and subject to eligibility. According to contract conditions.

Need to optimise management of your suppliers?

For a factoring without recourse for deconsolidation