pbfactoring.de

What It Is

PB Factoring GmbH is one of Germany’s leading factoring companies. It is a wholly owned subsidiary of Deutsche Bank AG and belongs to the corporate banking, trade finance, and lending ecosystem. It is not a traditional payment gateway or online acquiring service, but rather a provider of corporate accounts receivable purchasing, pre-financing, and bad debt risk transfer services.

Core Capabilities

Its main products include Finance factoring and Inhouse factoring. PB Factoring can purchase a company’s receivables from domestic and international debtors, and also supports the purchase of receivables from overseas subsidiaries. Pre-financing is available in euros and common foreign currencies. According to the website, it can pay the purchase price of receivables immediately after purchase; the homepage highlights same-day payment. Financing ratios can range from 85% to 100% of the invoice amount, and the calculator example mentions 90% financing within 24 hours.

In terms of risk control, PB Factoring reviews debtors and has dedicated teams for Client Risk, Debtor Risk, Debtor Limits, Workout & Customer Audit, and more. Its key selling point is that it assumes 100% of the del credere risk, meaning it provides 100% protection against bad debt losses. On the compliance side, the company has functions covering anti-financial crime, governance, and regulatory matters, and its management is involved in the activities of the German factoring association.

Pricing and Requirements

The website does not disclose standard rates, fees, or financing interest rates. It only states that customized solutions are available, and actual terms may differ from the calculator example. The entry threshold is relatively high: Finance factoring is aimed at companies with very strong credit quality and requires at least EUR 20 million in eligible receivables; Inhouse factoring requires good credit quality and at least EUR 5 million in eligible receivables.

Pros and Cons

The advantages are its strong Deutsche Bank backing, credible funding and risk control capabilities, and ability to improve liquidity, reduce working capital, shorten DSO, and optimize balance sheet metrics. It also supports cross-border debtors and common foreign currencies. The downsides are the lack of transparent fees, an implementation timeline shown as 4 to 12 weeks, and a stronger fit for medium-sized and large enterprises rather than small merchants or e-commerce payment collection scenarios.

Best For / Access from China

It is best suited to medium-sized and large companies operating in Germany and across borders, especially businesses looking to improve cash flow through receivables financing, reduce bad debt risk, and support export operations. The text does not provide information on availability from mainland China, so its accessibility is unknown.