U-FACTOR Confirming

Support to the Supply Chain. Working Capital optimization thanks to a digital platform dedicated to the supply chain. The Confirming is a financial solution dedicated to the support of the buyers and their supply chains. Thanks to an innovative platform provided by UniCredit Factoring, integrated with the payments services of UniCredit, the buyer can upload confirmed receivables that will be automatically paid at maturity. The suppliers, in turn, can access the platform and display the confirmed receivables. Furthermore, always through the use of the platform, they can decide to assign the receivables to UniCredit Factoring.

U-FACTOR Reverse Factoring

Reverse Factoring is a solution addressed to large corporations ("Buyer") with broad and split portfolios, desiring to streamline and rationalize the management of their liability cycle. Reverse Factoring is a solution addressed to large corporations ("Buyer") with broad and split portfolios, desiring to streamline and rationalize the management of their liability cycle.

Reverse Factoring permits:

• the suppliers of the "Buyers" an easier access to credit and a better management of working capital with the possibility of being able to reinvest it to increase the quality level of the own production for the benefit of the Buyer himself;
• the "Buyer" to benefit of a greater loyalty of their production chain, to make the management of the passive cycle efficient and rationalize the passive cycle management with the support of a platform that can in turn be customized to allow communication with the ERP systems and the possibility of taking advantage of an extension of payments.

Supply Chain Finance Sustainability Linked 

Supply Chain Finance Sustainability Linked is an evolution of traditional Supply Chain Finance programmes, developed to integrate ESG objectives into supplier–buyer relationships.

The solution is designed for medium-to-large Buyers aiming to support the sustainable transition of their supply chain while enhancing and demonstrating their ESG commitment, in line with European regulatory frameworks.

Through the execution of a dedicated ESG Addendum, a sustainability-linked component is embedded into Reverse Factoring and/or Confirming programmes, allowing Buyers to actively incentivise suppliers to move towards more sustainable business models.

The solution is based on the introduction of dynamic pricing, reviewed annually and linked to the ESG score assigned to suppliers: the better the score, the more favourable the financing conditions applied.