We believe in the value of businesses.
For Guber, energy savings also matter
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We support Italian businesses, even in times of financial distress
Distressed factoring is an innovative solution designed to support Italian businesses — including those experiencing financial stress — in optimizing cash flow.
In a context where access to traditional bank credit is becoming increasingly limited, we offer a practical and immediate alternative to shorten collection times and improve financial stability. Through the purchase of trade receivables, we provide immediate liquidity, enabling companies to preserve commercial relationships both in Italy and abroad, while ensuring business continuity.
Understanding the ecosystem
We have developed a Distressed Factoring service for businesses facing temporary situations of financial stress and liquidity pressure. We enable companies to preserve their commercial relationships and gain easier access to credit by obtaining immediate liquidity.
The transaction consists of a true sale of receivables at an all-inclusive purchase price equal to 100% of the invoice value (including VAT), net of an agreed commercial discount.
Buyer
(Debtor)
The company that has purchased goods and services and has a trade payable towards the supplier.
Supplier
(Assignor)
The company that has supplied goods and services to the buyer and assigns its trade receivables to Guber Banca in exchange for immediate liquidity.
Guber Banca
(Factor)
The bank that purchases the trade receivables net of a commercial discount and advances payment to the supplier.
Benefits for You
Through the pro-soluto assignment of invoices, the assigning company receives immediate payment of the invoiced amount, eliminating the risk of debtor insolvency.
A factoring solution designed to strengthen financial stability and support your business during its most critical phases, offering tangible benefits:
- Immediate liquidity, providing the resources needed to support business continuity
- Restructuring support, as it integrates with certified recovery and restructuring plans
- Improved receivables cycle, by reducing the impact of unpaid invoices and optimizing working capital management
Are you a client company ?
Access your dedicated area to quickly manage your requests or check updates related to the receivables uploaded to the platform.
The Benefits of Choosing Guber Banca
Our service is built on the experience of a highly specialized team with extensive expertise in supporting companies facing financial distress or insolvency proceedings.
A practical, flexible, and solution-oriented approach designed to support your business at every stage, offering distinctive advantages:
- Specialized expertise, thanks to a team with deep experience in managing complex situations and corporate restructuring.
- Maximum operational flexibility, with no banking constraints or additional collateral requirements.
- Integrated support, through the synergy with recovery and advisory services for comprehensive and structured management.
- Protection of the assignor’s interests, always at the core of our approach, with tailored solutions designed around specific needs.
A 100% digital process,
simple, fast, and secure
News Factoring
Factoring Distressed
Contact us for more information
Our service is built on a highly specialized team with extensive expertise in managing distressed receivables and insolvency proceedings, capable of handling even the most complex situations with competence and speed. We adopt a flexible, solution-oriented approach, without imposing banking constraints or requiring additional guarantees. The integration with recovery and advisory services enables us to provide comprehensive support, always ensuring the highest level of protection for the assignor’s interests.
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