Individuals
- Cards and accounts
  - Înapoi
  - Daily banking
    - Zi Cu Zi Cards
    - Current account
  - Cards
  - Transfers
  - Other services
- Loans
  - Înapoi
  - Personal loans
  - Housing loans
  - Youth loans
    - Loan for studies
    - Credit 10
  - Other loans and services
- Savings and investments
  - Înapoi
  - Savings accounts
  - Deposits
    - Progresso deposit
    - Term deposit
  - Investments
  - Insurances and savings
    - Spend & Save
    - Retirement plans
- Online banking
  - Înapoi
  - YOU
    - YOU
    - Guides YOU
  - SMS banking
    - The remote banking service provides you with information on your bank accounts directly from your mobile phone.
      Find out more »
Companies
- Small entrepreneur
  - Înapoi
  - Daily banking
  - Financing
  - Saving and investments
  - Other services
    - Insurances
    - Electronic signature
- SME^{< 1M Euro}
  - Înapoi
  - Current activity
  - Financing
  - Saving and investments
  - Other services
- SME^{1-50M Euro}
  - Înapoi
  - Cash management
  - Financing
  - Saving and investments
  - International
  - Offers
    - Non-banking benefits^NEW
- Agriculture
  - Înapoi
  - PFA
  - SME^{< 1M Euro}
  - SME^{1-50M Euro}
- Corporate
Financial markets
- Currency and monetary market
  - Înapoi
  - Saving and investments
  - Currency market
  - Online trading
    - Anyma Online Trading
  - Other services
    - Risk mangement solutions
  - Regulatory information
    - PRIIPs
    - EMIR
    - MiFID
- Capital markets
  - Înapoi
  - Brokerage
  - Our team
    - Presentation and contact
  - Regulatory information
  - Other information
    - Rates and fees
    - Useful links
- Research Reports
- Custody, storage, issuers
  - Înapoi
  - Depository services
    - Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
      Find out more »
  - Issuer services
    - Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
      Find out more »
  - Global and local custody services
    - Administration availability of customer accounts to their instructions - financial instruments operations or cash.
      Find out more »
  - Clearing services
    - Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
      Find out more »
  - Contact
    - Contact details
About BRD
- Newsroom
  - Înapoi
  - News
    - News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
      Find out more »
  - Scene 9
    - is an online cultural publication that shapes the portrait of the new generation of creators
      Find out more »
  - Scoala 9
    - is an editorial project dedicated to the pre-university education created by DoR and BRD
      Find out more »
  - Contacts
    - Find here our mass media contacts
      Find out more »
- Subsidiaries and associated entities
  - Înapoi
  - About BRD
  - Subsidiaries and associated entities
  - Contact
  - Other info
    - SFDR
    - Sustainable sourcing charter
- CSR
  - Înapoi
  - Culture
    - We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
      Find out more »
  - Education
    - We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
      Find out more »
  - Sports
    - We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
      Find out more »
  - Environment
    - Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
      Find out more »
  - The Civil Society
    - Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
      Find out more »
- Investors and shareholders
  - Înapoi
  - GSM BRD
  - Financial Information
  - Corporate Guvernance
  - BRD Shares
  - Contact
    - Investors and Shareholders contact
- Careers
  - Înapoi
  - Discover
    - Our Culture
  - Learn
    - Business Lines
  - Develop yourself
  - Apply
    - Opportunities
Online Banking
- YOU^NEW
- MyBRD Net

ROMÂNĂ / ENGLISH

Domestic export factoring without recourse

Domestic export factoring without recourse - Slider

Domestic export factoring without recourse

Flexible and profitable financing according to the company's needs;
Insurance against the risk of non-payment for domestic and foreign debtors;
Professional management of the receivables based on specialised IT solutions; periodical reports informing the company on the receivables managed through factoring
Building the company's partners’ loyalty by granting them longer payment terms.

Domestic export factoring without recourse is the ideal solution for your business...

For commercial contracts or firm orders with term payment, the object of which is the sale of goods or delivery of services, the factoring facility provides optional financing, management of receivables, follow-up of receipts and protection against the risk of non-payment for domestic and foreign debtors.

How does the domestic and export factoring without recourse work?

The supplier delivers the goods or services and sends the invoices to the buyer(debtor);
The supplier assigns the invoices in favor of BRD;
BRD finances the supplier for part of the value of the invoices, follows up the receipt and covers the risk of non-payment for the unquestionable claims;
On the due date, the debtor makes the payment in the BRD account and BRD pays to the supplier the remaining, unfinanced part of the invoice.
In case of payment delay, BRD starts the collection procedure.

How much does it cost?
To set the costs of the operation, information is required regarding the commercial declarations for which factoring operations are requested. The cost of the operation is influenced by the number of commercial relations, the number of invoices, the quality of the proposed debtors, the turnover to be carried out by factoring and, last but not least, the type of operation.

For a customised offer, contact the Factoring Division at the email address comercial.factoring@brd.ro, or the client consultant.

What are the conditions to access this product?

The commercial relation must be based on a commercial contract / firm order, signed and stamped, and must contain the identification data of the partners, payment terms, delivery conditions, etc.
Agreed payment terms of less than 180 days;
The commercial contract must not forbid the parties to assign the contract;
The commercial relations with shareholding connections and the contracts that stipulate payments conditioned by other receipts cannot be subject to factoring operations.

What does it mean to take over the risk of non-payment?
BRD takes over the risk of non-payment for the debtors for the cases of prolonged non-payment, insolvency, bankruptcy. The debt claims subject to commercial disputes are not covered against the risk of non-payment.

Advice and guides

Credit calculator

Agencies and ATMs

Commissions and tariffs