Our financing model is secured and structured around multiple layers of protection:

• Collateralised Receivables – all issuances are backed by pledged receivables.

   

• Insurance & Guarantees – debtor defaults are mitigated by credit insurance, pledges, and personal guarantees.

   

• Independent Credit Committee – approval of all cases by a committee of banking and factoring experts.

   

• Capital Buffer – subordinated capital at Rotterdam Factoring Holding B.V. provides an extra safeguard.

   

While factoring carries inherent risks, our framework mirrors the practices of regulated institutions and ensures overcollateralisation.