In an environment shaped by rising insolvencies, increasing pressure on liquidity, and tighter financing conditions, the receivables book has become more strategic than ever for finance departments.
How can businesses improve liquidity, reduce bad debt risk, and gain a unified view of receivables management without increasing the operational burden on Finance teams?
This is precisely the value proposition of the “receivables financing + credit insurance + digital” model developed by Fibus. For the past 20 years, the group has supported B2B companies in structuring receivables financing programmes, both domestically and internationally.
Fibus works alongside SMEs, mid-sized companies and large corporates across France and Europe, wherever they operate, leveraging deep expertise in local market requirements and factor practices on a country-by-country basis. In 2025, Fibus covers 42 countries, with international operations accounting for half of its business activity.
As the leading receivables financing advisory firm in Europe and the fourth-largest credit insurance broker in France, Fibus provides Finance teams with a unique integrated approach combining strategic and operational advisory, brokerage, and dedicated software solutions.
Receivables financing: the leading short-term funding solution for corporates
“Receivables financing is the primary source of short-term funding for businesses. It is easy to implement, agile, and cost-efficient. Treated off-balance sheet, it does not impact leverage ratios. It enables companies to absorb peaks in working capital requirements and should be assessed as a priority compared with other banking facilities such as overdrafts or Dailly assignments.” Thibaut Robet, Co-founder and Managing Director of the Fibus Group
This integrated approach enables companies to secure higher funding levels, reduce operational workload, and strengthen risk control in a market environment characterised by increasing insolvencies and heightened demand for financial visibility. Today, receivables financing remains the most efficient and cost-effective solution for strengthening short-term liquidity. Non-capped and disconnected from leverage ratios, it naturally scales with standalone revenue growth and can be implemented within a matter of weeks, including for international and multi-entity groups.
When combined with credit insurance, its effectiveness is further enhanced. Thanks to the expertise of its dedicated teams, Fibus secures on average an additional 10 to 12 points of financing while simultaneously strengthening bad debt protection in a highly volatile environment.
Beyond funding: the challenge is now visibility. This is precisely why Fibus developed ARi Trade, a receivables financing management and optimisation platform fully integrated with credit insurance.Through automation, data consolidation, and variance detection, Finance teams save time, secure operations, and maximise funding availability. On average, companies using ARi Trade achieve 15% additional funding while reducing management time by a factor of five.
Whether the objective is to rapidly strengthen liquidity, secure receivables, or manage multiple programmes simultaneously across France and internationally, the integrated approach developed by Fibus provides CFOs, Treasurers, and Credit Managers with a comprehensive framework:
- faster and higher funding capacity
- stronger risk protection
- enhanced visibility across all operations
A genuine opportunity to build more stable, predictable, and sustainably controlled growth.
ARi Trade: unlocking the full potential of receivables financing
Developed by Fibus Digital, ARi Trade centralises and automates the management of receivables financing and credit insurance programmes, both domestically and internationally. The platform provides a consolidated view of financing capacity, automatically identifies untapped funding opportunities, and secures all operational processes. The result: an average 15% increase in funding availability and management time reduced by a factor of five. When deployed from the inception of the receivables financing agreement, ARi Trade enables funding to be operational within three weeks.
ARi Trade is compatible with all major ERP systems, factors, and credit insurers on the market.