Factoring a financial activity with which a company sells its receivables to a financial intermediary - a factor (bank, financial firm итн.) by reduced (dyskontyrana) noxiousness, then the factor collects receivables from debtors.

The factor is the contracting party which performs the typical transactions, with this agreement.

The main purpose of the procedure for factoring as part of the procedure of FD is to encompass and explain the conditions and procedures for factoring operations and its specifications.

Subject acquisition in factoring invoices or other documents recorded data calculation and supply of goods or services.

These are current or future cash requirements arising from the supply of goods or services.

factoring commission – The fee is a percentage of the amount redeemed or predetermined amount expressed in money.

basis factoring is a commercial activity between the client and the debtor.

Factoring Agreement is defined as a contractual relationship between a country - supplier (client) and other - financial intermediary (factor) according to which:

• customer discount (discount) It carries factor your outstanding accounts receivables, arising on the basis of contracts of sale of goods or services between him - and his client buyer (debtor),
• a factor undertakes adequate compensation to accept to pay those claims, if it considers that the solvency of the debtors of the customer is good, by notifying the debtors of such transmission, whether client or bear the risk factor for the recovery of those claims.

An important condition for the existence of the factoring contract is communication to the debtor for the transfer of claims. The, seller claims (customer) should notify his debtor claims that he conveyed to factor, Although the notification may be performed by the factor. Otherwise, factoring contract have lasting character, because it can refer not only existing outstanding claims, but also to transfer future claims. However, mostly factoring contract is concluded for a period of time and it includes all monetary claims that a client, and not only certain individual claims or transactions.

Factoring with recourse – Во зависност од содржината на Договорот во согласно со законските одредби и подзаконските акти на ФД, Factoring with recourse is entitled to FD, if the debtor does not pay the obligations of the invoice, FD has the right to return all documentation to the client and requires him to refund previously paid, under contract to the agreed fee.

application costs from 2.500 to 10.000 day.

interest rate 1% per month, the used amount

Fee

from 2% to 5,5% the amount of the invoice,single. The fee is determined according to the term and amount of the invoice:

to 2,5% – to 1 month

to 3,5% – to 2 months

to 4,5% – to 3 months

to 5,5% – to 4 months

Fee for check-in ICD 1000 day. for individuals and 1500 day. for a legal entity

Repayment – To 120 days, од датумот на издавање на фактурата, рочноста ќе биде усогласена со достасувањето на фактурите.