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Transform your receivables into a strategic funding lever.

Since 2005, Fibus has been supporting finance leadership teams and investment funds in structuring, securing and digitally managing their factoring and credit insurance programmes, across Europe and internationally.

A unique model combining strategic advisory, specialist brokerage and digital solutions.

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A unique approach combining funding, risk mitigation and digital oversight
to maximise the performance of your receivables.

Conseil et courtage en Affacturage Confidentiel

Fibus Factoring

Financez votre croissance sans impacter la relation client ni l’image de votre entreprise.


Nous structurons et négocions des programmes d’affacturage confidentiel sur mesure pour maximiser vos financements, en toute discrétion.

De l’audit à la mise en œuvre et au pilotage digital, nous sécurisons et optimisons votre programme.


  • • Structuration et faisabilité du programme
  • • Négociation des conditions et du périmètre de financement
  • • Pilotage du projet avec les parties prenantes
  • • Optimisation des lignes et des financements
  • • Structuration de programmes sans recours et déconsolidants
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Conseil et courtage en Assurance-Crédit

Fibus Trade

Faites de l’assurance-crédit un levier de sécurisation et de financement.


Nous structurons des solutions d’assurance-crédit adaptées à vos enjeux de risque et de développement.

L’assurance-crédit devient un levier de performance : sécurisation des risques, optimisation du financement et soutien de la croissance.

  • • Structuration et négociation des polices
  • • Alignement couverture / financement (affacturage, délégation)
  • • Optimisation des garanties et des conditions
  • • Pilotage et gestion du credit management
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Solutions de pilotage des financements Factor

Fibus Digital

Accélérez vos financements et gagnez en performance opérationnelle.


Nos solutions permettent de piloter et d’optimiser vos programmes d’affacturage et d’assurance-crédit en temps réel.

Résultat : des financements plus rapides, des opérations automatisées et une performance financière optimisée en continu.


  • • Accélération du premier financement
  • • Automatisation des opérations et des échanges
  • • Consolidation multi-contrats et sécurisation
  • • Détection et optimisation des financements
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Finance Directors: optimise the performance of your receivables

More funding, greater visibility, less complexity.

Finance teams today must balance growth, cash optimisation and operational control.

Fibus supports them in structuring, optimising and managing their receivables financing and trade credit insurance programmes to deliver sustainable financial performance.

We act as a strategic partner to:

  • Maximise funding from your receivables

  • Optimise your existing receivables financing facilities and trade credit insurance policies

  • Align your trade credit insurance with your funding strategy

  • Automate and secure operational management

  • Support your growth in France and internationally

Our integrated approach combining advisory, specialist brokerage and digital oversight enables you to accelerate funding while regaining full control of your operations.

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Parcours étapes et objectif final

Private Equity Funds: create value at every stage of the investment cycle

A direct lever on cash, debt and portfolio company performance.

Fibus supports investment funds and their portfolio companies in structuring, optimising and managing receivables financing programmes.

We act as a strategic partner to:

  • Structure funding facilities before, during and after acquisition
  • Refinance or optimise acquisition debt
  • Secure operating cash flow
  • Increase the financial autonomy of portfolio companies
  • Support build-up strategies and external growth initiatives

Our integrated model combining advisory, specialist brokerage and digital oversight ensures fast execution and continuous optimisation of funding throughout the investment cycle.

Our expertise serving Private Equity Contact a Private Equity expert
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Cross-border programmes: master the complexity of your multi-country funding structures

Centralised oversight for locally coherent and high-performing structures.

In an international environment, the proliferation of stakeholders, contracts and currencies significantly increases the complexity of receivables management.

Fibus supports groups in structuring and coordinating their receivables financing and trade credit insurance programmes across Europe.

We act as a strategic partner to:

  • Structure coherent, centralised multi-country receivables financing programmes
  • Coordinate multiple factors and insurers across jurisdictions
  • Align practices and secure intercompany cash flows
  • Optimise funding within multi-currency environments
  • Support international roll-outs and external growth initiatives

Through an integrated approach combining advisory, specialist brokerage and digital oversight, you gain full visibility, coherence and performance in managing your international funding structures.

Speak with an International expert
Planète

Facing a cash flow, working capital or credit line optimisation issue? Let’s discuss.

Our consultants assess your requirements and collaborate with you to deliver a bespoke solution: factoring, credit insurance and/or digital management.

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An integrated model that makes the difference

Independence, depth of expertise, international reach and operational execution:
the foundations of our distinctiveness.

Icône liquidité disponible

A unique positioning in Europe

• A 100% financing-focused DNA
• Two complementary offerings serving receivables finance: credit insurance and digital solutions
• The largest specialised team in Europe
• An independent advisory firm delivering a high level of service

Icône facture

Recognised expertise

• 20 years of experience across our three core activities
• 1,650 companies supported since 2005
• 4 out of 5 transactions are advisory mandates for LBO-backed companies
• €49bn of receivables financed through our intermediation in 2025
• €18bn of guarantees under management in 2025

Icône

International reach

• 42 countries covered across Europe, North America and Oceania
• +40 funding partners
• +50% of our activity generated internationally
• 7 offices across France, the UK, Germany and the United States
• 5 languages spoken on a daily basis

Icône méthodologie

A proven methodology

• Assessment of financing potential
• Advisory support, structuring and tender process management, including debriefing
• Operational support: structuring, analysis, derecognition, digital solutions…
• Ongoing performance monitoring and contract optimisation over time

Icône croissance trésorerie

A financing accelerator

• Single point of contact
• Timeline control and project management
• Full ownership of complexity
• Delivery against objectives

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A trust-based business model

• Success-based remuneration

The alliance of 3 expert teams, dedicated to your funding strategy.

At Fibus, every team member is a specialist in receivables management.

Our teams bring together three complementary areas of expertise:

  • Factoring consultants fully dedicated to receivables financing,
  • Credit insurance experts able to combine risk management with financing optimisation,
  • Digital teams from the industry, developing software designed by and for receivables professionals.

Because at Fibus, industry mastery makes the difference.

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Illustrations

2025 Key Figures

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factoring broker
in Europe

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of receivables financed through factoring
via our intermediation

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credit insurance broker
in France

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of guarantees under management
in credit insurance

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companies advised
and supported

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countries covered across Europe,
North America and Oceania…

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Experts dedicated
to financing

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of experience

ARI Trade, the platform that maximises your receivables financing.

The most advanced digital solution on the market, developed by factoring experts to address the real challenges of finance teams.

Adopted across Europe, it transforms your programmes into optimised financing levers.

Greater visibility, increased funding, reduced administration: ARI Trade enables an average 15% uplift in financing, with project management five times faster.

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Tableaux de bord ARI

Security as the cornerstone of trust

ISO 27001: a structuring commitment for our clients and partners

The Fibus Group is ISO/IEC 27001 certified, the leading international standard for information security management systems.

In a financial environment where sensitive data, digital workflows and partner interactions are constantly increasing, we have implemented a rigorous management framework based on risk analysis and continuous improvement.

Our commitment is built on three core principles:

  • Confidentiality of financial information
  • Integrity of processed data
  • Continuous system availability

This structural discipline provides our clients — finance departments, international groups and investment funds — with a secure and reliable framework to manage and oversee their funding arrangements.

Our Certification
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FAQ

Financing, securing and optimising receivables

Optimisation & Performance

1. How can you optimise an existing factoring programme?

A programme may operate effectively without fully exploiting its potential.
Contract audits, gap analysis, margin optimisation, and the activation of non-assigned or under-financed debtors often make it possible to unlock additional funding without changing partner.

At Fibus, we review the entire structure to transform an operational programme into a true performance lever.

2. How can you increase your financing without changing your factor?

In many cases, growth does not require changing factor, but rather:

  • Improved management of credit limits
  • More granular qualification of receivables balances
  • More precise monitoring of assignments
  • Activation of underutilised facilities

The key objective is to fully leverage the existing financing architecture.

3. How can you identify untapped financing opportunities?

Gaps between eligible, financed and insured receivables often reveal significant headroom for improvement.
A consolidated view of data enables the rapid identification of these underutilised areas and the activation of readily available cash.

4. Does factoring actually improve working capital performance?

Yes.
When properly structured, factoring reduces DSO, secures cash flows and enhances financial visibility.
In certain contexts, it can also contribute to optimising financial ratios and facilitating covenant management.

Credit Insurance: Safeguard & Strategic Leverage

5. Does credit insurance genuinely protect against payment delays and defaults?

Yes.
Credit insurance is primarily a tool for protecting receivables against non-payment and buyer defaults.
It enables you to:

  • Compensate for losses arising from payment defaults
  • Secure payment terms
  • Benefit from continuous creditworthiness monitoring
  • Support commercial decisions with up-to-date risk analysis

At Fibus, we fully master this traditional aspect: policy structuring, negotiation, claims management, and support for Credit Management teams.

6. How does credit insurance enhance financing capacity?

Beyond protection, well-calibrated guarantees can increase the financable base for factors and secure credit lines over the long term.

Our approach is to align risk management with financial performance.

7. Should guarantees be adapted to optimise factoring lines?

Yes.
Poorly calibrated or outdated credit limits can artificially constrain available financing.
Active management of guarantees is a direct lever for optimisation.

Digital & Operational Management

8. Why should you digitalise the oversight of your factoring programme?

Manual management generates errors, delays and lack of visibility.
Digitalisation enables you to:

  • Automate workflows
  • Analyse discrepancies in real time
  • Identify unutilised financing
  • Significantly reduce processing time

9. Can a digital solution truly enhance financing capacity?

Yes.
By improving data quality, visibility over receivables, and guarantee management, a digital management tool can increase available financing and sustainably optimise line performance.

10. Does ARI replace an ERP system?

No.
ARI integrates with your ERP and partners (factors, insurers) to structure, secure and optimise financing flows.
It complements the accounting system by providing a consolidated financial view.

Structuring & Complex Operations

11. Can factoring be effectively implemented in international groups?

Yes, provided it is properly structured.
Multi-country, multi-currency, and multi-entity programmes: a well-designed architecture allows for harmonised practices and optimised overall performance.

12. How should a programme be structured in an LBO context?

In a Private Equity context, factoring can:

  • Enhance cash generation
  • Secure short-term debt
  • Support rapid growth or carve-outs

Rigorous structuring is essential to align financing, covenants and investment strategy.

13. Why engage a specialised advisory firm instead of approaching a factor or insurer directly?

An independent advisory firm:

  • Objectively compares market solutions
  • Negotiates terms
  • Structures complex programmes
  • Optimises arrangements over the long term

Our role does not stop at implementation: we manage and monitor performance.

14. What sets Fibus apart?

Fibus brings together three complementary areas of expertise:

  • Factoring brokerage
  • Credit insurance brokerage
  • Digital financing management

This integrated approach enables the full activation of receivables levers: protection, financing, and continuous optimisation within a single, cohesive model.

FAQ: need to go further?

Visit our Resources area for a detailed and instructive FAQ, providing in-depth insights into factoring, credit insurance and digital management.

Access the full FAQ

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