What Our Clients Say
GENERALFINANCE SPA works with businesses across sectors and geographies, and we take genuine pride in the relationships we build with our clients. The feedback below reflects real experiences from business owners and finance directors who have used our factoring and receivables financing services. We share these perspectives because transparency — including about client outcomes — is central to how we operate.
"We approached GENERALFINANCE SPA when our bank reduced our overdraft facility at short notice, leaving us with a significant working capital shortfall during peak season. The onboarding process was far faster than we expected — within eight days we had a factoring facility in place covering our top fifteen debtors. The advance rate of 88% gave us the liquidity we needed to fulfil orders without delays. Twelve months later, the facility is still running and has become a permanent part of our treasury structure."
— Martin Holloway, CFO — industrial equipment distributor
★★★★★
"The staffing sector lives and dies by cash flow, because we pay employees weekly but our corporate clients pay invoices on 60 or 90-day terms. GENERALFINANCE SPA understood this dynamic immediately and structured a whole-ledger factoring facility that mirrors exactly how our invoicing works. The monthly reporting is detailed and clear, and whenever we have a query our account manager responds the same day. The pricing is competitive and there have been no unexpected charges since we started."
— Claudia Renner, Managing Director — staffing services company
★★★★★
"We used the non-recourse factoring facility primarily to manage credit risk on our export receivables, particularly in markets where we had less visibility over debtor financial health. GENERALFINANCE SPA's credit team assessed our key debtors thoroughly and approved the majority within a week. Having that credit protection in place gave us the confidence to pursue larger export contracts that we would previously have approached with more caution. Revenue from export markets has grown significantly since we implemented the facility."
— Fabio Esposito, Finance Director — food manufacturing group
★★★★☆
"We went through a difficult period operationally after losing a major contract unexpectedly, and most lenders were not willing to engage with us given the circumstances. GENERALFINANCE SPA took the time to understand the quality of our remaining receivables portfolio and structured a distressed financing facility that gave us the breathing room to restructure costs and rebuild revenue. The process was professional and respectful throughout, which genuinely mattered to us during a stressful time."
— Sandra Kowalski, Owner — specialist logistics company
★★★★★
"We implemented a reverse factoring programme through GENERALFINANCE SPA to support our supplier base during a period when we needed to extend our own payment terms. The setup was more straightforward than we anticipated, and our suppliers responded very positively — several told us it was the most effective support measure we had offered them. The GENERALFINANCE SPA team managed supplier onboarding efficiently and kept us informed throughout. We would recommend exploring their supply chain finance capability to any large buyer with a significant supplier base."
— Thomas Varga, Group Treasurer — retail supply chain business
★★★★☆