Your contracts work - but are they operating at their full potential?
Fibus uncovers often underused financial efficiency levers: renegotiable margins, adjusted guarantees, additional mobilisable cash, monitoring tools…
Our teams combine expertise in financing, risk management and digital monitoring of financing data to transform your existing programmes into true drivers of sustainable performance.
Contracts, insurance, monitoring and data: identify optimisation opportunities within your receivables portfolio.
Companies often have effective factoring and trade credit insurance arrangements in place, but many performance levers remain underused.
Our experts audit your existing programmes to identify areas for improvement: contract optimisation, better use of trade credit insurance, digital monitoring of operations, and stronger customer risk management tools.
The goal: unlock additional financing, strengthen risk coverage and sustainably improve the performance of your receivables portfolio.
When properly structured or delegated, trade credit insurance does more than protect receivables: it increases your financing capacity and releases cash to support growth.
When embedded within a factoring agreement, its effectiveness can be limited by standardised cover or contractual constraints.
By delegating the policy to a specialised insurer, you regain autonomy and performance: the factor can finance more, faster, and on the basis of better-controlled risk.
This setup notably allows:
Fibus works with all major insurers on the market to align trade credit insurance and factoring finance, and to identify the most effective structure based on your strategic priorities.
ARI Trade is the digital solution developed by Fibus to automate the management of your factoring and trade credit insurance contracts.
It secures and streamlines exchanges with factors and insurers, enhances your financing capacity, and frees up time for your Finance teams.
The solution that automates your assignments, secures your exchanges and maximises your financing capacity.
ARI connects your company directly to factors and credit insurers to streamline all exchanges.
No more manual re-entry, no more errors: your assignments are transmitted automatically and in full compliance.
ARI unlocks the full value of your contract to increase your financing capacity and coverage.
ARI centralises all your factoring and trade credit insurance data to provide a clear view of customer risk and financial performance.
ARI automates up to 80% of tasks related to factoring management.
Your teams gain efficiency and can focus on higher-value activities.
Before renegotiating a contract or changing provider, it is essential to objectively assess the optimisation potential of your existing arrangements.
Fibus experts carry out a complete, independent and confidential audit of your factoring and trade credit insurance contracts to identify financial, contractual and operational improvement levers.
This audit highlights in particular:
• Costs above market standards (factoring fees, financing commissions)
• Restrictive or unsuitable contractual clauses
• Insufficient customer risk coverage
• Untapped off-balance-sheet opportunities (IFRS / local GAAP)
• Poor coordination between factoring and trade credit insurance
We provide a clear, actionable reading of your contracts to identify short- and medium-term optimisation opportunities.
Contract optimisation is not only about reducing costs: it also improves financing capacity, credit line flexibility, processing times and overall operational efficiency.
More liquidity. More visibility. More control.
Before renegotiating, you need to measure.
Our audits highlight underexploited financial and contractual margins: above-market fees, unsuitable clauses, insufficient coverage, limits misaligned with your business, and overlooked synergies between factoring and trade credit insurance.
You are left with a clear, neutral and confidential diagnosis to support your decision-making.
⇒ Gain negotiation power and reduce your costs.
Efficiency does not always require a new contract.
Our experts fine-tune your existing arrangements to maximise their impact: targeted renegotiation, adjustment of advance rates, optimisation of reserves, alignment of factoring and trade credit insurance parameters, and precise monitoring of credit lines.
You improve your cash position, flexibility and coverage – without changing provider when it is not necessary.
⇒ + cash, + flexibility, + visibility.
Optimisation only delivers value when it is sustained over time.
Fibus supports your teams on an ongoing basis: continuous benchmarking, action plans, digital monitoring, and coordination with factors and trade credit insurers.
Every contract becomes a long-term lever for growth, flexibility and financial control.
⇒ Your financing structures evolve with your ambitions — not the other way around.