The evolution of factoring over time

20 years of factoring in just 10 minutes! By 2025, factoring had become the leading short-term financing solution for companies in France, offering tailor-made funding solutions to SMEs, mid-sized businesses and international groups looking to finance and secure their operations.

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Welcome to “On the Road to Factoring”, a podcast by Crédit Agricole Leasing & Factoring, featuring Gaëtan du Halgouët, Managing Director of Fibus.

In 2025, factoring has become France’s leading financing solution. But how did this once niche instrument rise to become a top-tier European funding tool? In this final episode of season 2 of CAL&F Décrypte, Gaëtan du Halgouët reflects on this transformation.

Initially popular among SMEs and mid-sized companies (ETIs), factoring has now become a strategic tool for large corporates as well. Driven by technological disruption, what was once a niche financing solution has turned into a mainstream funding mechanism, with record-high volumes – a clear sign of strong user adoption and satisfaction.

 

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