Financing Facility Tiers

GENERALFINANCE SPA offers three structured facility tiers designed to match the size, complexity, and risk profile of your receivables portfolio. Each tier includes dedicated account management, credit reporting, and online portfolio visibility. Pricing within each tier is refined during onboarding based on debtor quality, industry sector, and facility usage patterns.

Essential

From 0.75%/mo

Designed for small and mid-sized businesses with straightforward invoice portfolios seeking fast access to working capital without complex structuring.

  • Invoice factoring up to €500,000 facility limit
  • Advance rate up to 85% of invoice face value
  • Recourse factoring structure
  • Online portal for invoice submission and tracking
  • Dedicated account manager and monthly credit review

Professional

From 0.55%/mo

Suited to mid-market companies with diversified debtor bases that require higher advance rates, non-recourse options, and active receivables management support.

  • Invoice factoring up to €5,000,000 facility limit
  • Advance rate up to 90% of invoice face value
  • Recourse and non-recourse options available
  • Full receivables ledger management service
  • Quarterly credit risk assessment reports on key debtors

Enterprise

Bespoke pricing

Tailored for large corporates, distressed businesses, and restructuring situations requiring bespoke structuring, high facility limits, and integrated credit risk management.

  • Facility limits above €5,000,000 — structured to portfolio size
  • Non-recourse factoring with credit insurance integration
  • Trade receivables securitisation structuring available
  • Dedicated restructuring and credit advisory team
  • Real-time debtor monitoring and bespoke risk reporting