S-Factoring - Glossar (2024)

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style="width: 160px; height: 600px;" > <ins class="adsbygoogle adsense h-ad4 " data-ad-client="ca-pub-7418365965779211" style="display:block" data-ad-format="auto" data-ad-slot="3914276034" data-full-width-responsive="true" data-adtest="off" > </ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <div class="main-container container"> <main class="left-container doc-detail"> <section class="hentry flex items-center md:items-start mt-3 md:mt-3 ml-0 flex-col md:flex-row"> <div class="w-full"> <h1 class="entry-title mb-5 text-center font-semibold text-2xl xl:text-4xl !leading-common"> S-Factoring - Glossar (2024) </h1> <div class="bg-primary-100 text-common !leading-common rounded-lg pl-5 pr-2 py-4 mb-2 space-y-2 text-primary-500"> <div class="font-semibold">Table of Contents</div> <a class="list-item toc-h3" href="#toc-0">A</a> <a class="list-item toc-h3" href="#toc-1">B</a> <a class="list-item toc-h3" href="#toc-2">D</a> <a class="list-item toc-h3" href="#toc-3">E</a> <a class="list-item toc-h3" href="#toc-4">F</a> <a class="list-item toc-h3" href="#toc-5">G</a> <a class="list-item toc-h3" href="#toc-6">I</a> <a class="list-item toc-h3" href="#toc-7">M</a> <a class="list-item toc-h3" href="#toc-8">O</a> <a class="list-item toc-h3" href="#toc-9">P</a> <a class="list-item toc-h3" href="#toc-10">R</a> <a class="list-item toc-h3" href="#toc-11">S</a> <a class="list-item toc-h3" href="#toc-12">T</a> <a class="list-item toc-h3" href="#toc-13">U</a> <a class="list-item toc-h3" href="#toc-14">Z</a> <a class="list-item toc-h2" href="#references">References</a> </div> <div class="text-center my-2 sm:my-4 " > <ins class="adsbygoogle adsense h-ad3 " data-ad-client="ca-pub-7418365965779211" style="display:block" data-ad-format="auto" data-ad-slot="3914276034" data-full-width-responsive="true" data-adtest="off" > </ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </div> <article class="article-detail"> <section class="entry-content paragraph"><div> <h3 id="toc-0">A</h3> <div> <div aria-labelledby="heading_640" data-parent="#accordion_63"> <div> <div> <p>Abtretung bedeutet die vertragliche Übertragung einer Forderung vom alten Gläubiger (Zedent) auf einen neuen Gläubiger (Zessionar). Mit der Abtretung geht die Forderung in der Gestalt, wie sie beim alten Gläubiger bestand, auf den neuen Gläubiger über.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_643" data-parent="#accordion_63"> <div> <div> <p>Forderungen sind übertragbar. Dies kann durch Vereinbarung zwischen dem Gläubiger und dem Schuldner ausgeschlossen werden. In Deutschland ist im Factoring aufgrund der Regelung in § 354a HGB eine Abtretung dennoch grundsätzlich wirksam. Allerdings kann der Schuldner mit schuldbefreiender Wirkung auch an den alten Gläubiger zahlen. Für den Fall, dass der Debitor an den alten Gläubiger zahlt (Direktzahlung), muss der Factor darauf vertrauen, dass der Factoringkunde die Zahlung an ihn weiterleitet. Das erhöht das Risiko für den Factor.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_646" data-parent="#accordion_63"> <div> <div> <p>Als Abtretungsvermerk bezeichnet man die Anzeige der Forderungsabtretung zugunsten des Factors. Der Vermerk verpflichtet den Debitor auf das vom Factor angegebene Konto zu zahlen.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_819" data-parent="#accordion_63"> <div> <div> <p>Allgemeine Geschäftsbedingungen (AGB) sind für eine Vielzahl von Verträgen vorformulierte Vertragsbedingungen, die ein Vertragspartner dem anderen Vertragspartner bei Abschluss eines Vertrages stellt. Allgemeine Geschäftsbedingungen sind Grundlage eines zwischen einem Factoring-Kunden und einem Factor abgeschlossenen Factoring-Vertrages.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_649" data-parent="#accordion_63"> <div> <div> <p>Ausfallrisiko ist das Risiko des teilweisen oder vollständigen Forderungsverlustes wegen Zahlungsunfähigkeit eines Schuldners (Debitors). Beim echten Factoring übernimmt der Factor dieses Risiko zu 100 %.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_652" data-parent="#accordion_63"> <div> <div> <p>Beim Ausschnittsfactoring gibt ein Factoringkunde nur einen Teil seiner Forderungen ins Factoring. Sie bilden damit einen Ausschnitt an Rechnungen von spezifischen Debitoren.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_655" data-parent="#accordion_63"> <div> <div> <p>Offene Rechnungen, die den Liquiditätsstatus belasten. Kapital, dass sich mit Factoring leicht aktivieren lässt.</p> </div> </div> </div></div> <h3 id="toc-1">B</h3> <div> <div aria-labelledby="heading_826" data-parent="#accordion_63"> <div> <div> <p>Der Begriff Bilanzverkürzung bezeichnet die Verringerung der Bilanzsumme eines Unternehmens. Durch Factoring werden Forderungen aus der Bilanz des Factoring-Kunden in die Bilanz des Factors übertragen: Im Gegenzug fließt dem Factoring‑Kunden Liquidität zu. Diese Liquidität kann dann zum Abbau von Bank- und/oder Lieferantenverbindlichkeiten genutzt werden, die Bilanz verkürzt sich. Hierdurch kann die Eigenkapitalquote gesteigert werden, ein entscheidendes Kriterium für das Rating bei Kreditverhandlungen mit Banken.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_658" data-parent="#accordion_63"> <div> <div> <p>Bonität bezeichnet die Kreditwürdigkeit von Geschäftspartnern. Die laufende Bonitätsprüfung der Debitoren gehört zum Service der S-Factoring. Sie ist ein wichtiger Anhaltspunkt für die Höhe des Forderungsankaufes und der daraus resultierenden Zahlung an den Factoringkunden. Besonders bei Neukunden sichert Sie die Bonitätsprüfung ab.</p> <div class="bg-primary-100 rounded-lg my-6 px-2 py-3 font-semibold insert" style="color: rgb(37, 99, 235)"><div class="text-common !leading-common ml-1 insert" style="margin-top: 0.2rem; margin-bottom: 0.2rem">See Also</div><a class="list-item toc-h2 py-1" style="border-bottom: none" href="https://gamedaybabyblog.com/article/s-factoring-mehr-freiheit-und-sicherheit/1479" target="_blank" rel="noopener">S-Factoring - mehr Freiheit und Sicherheit</a><a class="list-item toc-h2 py-1" style="border-bottom: none" href="https://gamedaybabyblog.com/article/fragen-zu-s-factoring/1479" target="_blank" rel="noopener">Fragen zu S-Factoring?</a></div></div> </div> </div></div> <div> <div aria-labelledby="heading_823" data-parent="#accordion_63"> <div> <div> <p>Die Einschätzung zur Bonität erfolgt entweder durch einen Finanzgeber, wie einem Factor selbst, oder durch eine Rating-Agentur. Hinweise über die Kreditwürdigkeit geben auch Auskünfte von Wirtschaftsauskunfteien oder eine Bankauskunft.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <h3 id="toc-2">D</h3> <div> <div aria-labelledby="heading_661" data-parent="#accordion_63"> <div> <div> <p>Überwachung und Buchung der Zahlungseingänge. Dies übernimmt bei einem Factoringvertrag der Factor für den Factoringkunden.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_664" data-parent="#accordion_63"> <div> <div> <p>Das Limit ist der Höchstbetrag, bis zu dem der Factor für einen Debitor Forderungen ankauft. Die Festlegung des Limits erfolgt nach bank- und kreditversicherungsüblichen Kriterien. Bauftragt wird die Prüfung des Debitorenlimits vom Factoringkunden.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_667" data-parent="#accordion_63"> <div> <div> <p>Zum Debitorenmanagement gehören die Debitorenbuchhaltung sowie das Mahn- und Inkassowesen. Die Übernahme des Debitorenmanagements gehört zum Service des Factors für seinen Factoring-Kunden.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_670" data-parent="#accordion_63"> <div> <div> <p>Unter Delkredere (von italienisch del credere ‚des Glaubens') versteht man allgemein das Risiko eines Forderungsausfalls. Der Factor übernimmt die Haftung für einen teilweisen oder vollständigen Forderungsverlust durch Zahlungsunfähigkeit des Debitors. Die Zahlungsunfähigkeit gilt nach Überschreiten des Zahlungszieles als eingetreten, wenn der Debitor keine Einwände gegen seine Zahlungspflicht erhoben hat.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_673" data-parent="#accordion_63"> <div> <div> <p>Wenn Debitoren irrtümlich nicht auf das S-Factoring Konto, sondern direkt auf das Firmenkonto der Factoringnehmer gezahlt haben, sprechen wir von einer Direktzahlung. Diese muss dann unmittelbar an den Factor weitergeleitet werden. Um das zu vermeiden, ist es wichtig, dass der Abtretungsvermerk auf der Rechnung steht und im Idealfall keine weitere Bankverbindung. Fortlaufende Direktzahlungen mindern die Factoringbonität, was zur Folge hat, dass der Sicherheitseinbehalt steigt.</p> </div> </div> </div></div> <h3 id="toc-3">E</h3> <div> <div aria-labelledby="heading_675" data-parent="#accordion_63"> <div> <div> <p>Beim echten Factoring kauft der Factor Forderungen im Rahmen der eingeräumten Debitorenlimite an und übernimmt das Ausfallrisiko – im Unterschied zum unechten Factoring.</p> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <div> <div aria-labelledby="heading_944" data-parent="#accordion_63"> <div> <div> <p>Um eine professionelle Dienstleistung gewähren zu können, ist die S-Factoring von der Einhaltung bestimmter Grundsätze angewiesen. Diese sind für unsere Factoringnehmer in den <span>Einreichungsgrundsätzen</span> aufgeführt und sind Bestandteil jedes Factoring-Vertrages.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_1080" data-parent="#accordion_63"> <div> <div> <div> <p>E-Mail-Verschlüsselung wird verwendet, um vertrauliche Informationen so per E-Mail vom Absender zum Empfänger zu schicken, dass niemand außer Absender und Empfänger Zugang zu diesen Informationen bekommt. Man spricht von „Ende zu Ende Verschlüsselung“.</p><p><strong>Warum ist das so wichtig?</strong> Bei der Verarbeitung und Nutzung personenbezogener Daten ist die S-Factoring für die Einhaltung der datenschutzrechtlichen Anforderungen des Bundesdatenschutzgesetzes und anderer Vorschriften über Datenschutz verantwortlich. Wir nehmen diese Verantwortung ernst.</p><p><strong>Wie verschlüsseln wir?<br>Unsere E-Mails werden automatisch mit TLS verschlüsselt.<br></strong></p> </div> </div> </div> </div><div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> <h3 id="toc-4">F</h3> <div> <div aria-labelledby="heading_678" data-parent="#accordion_63"> <div> <div> <p>Unter Factoring versteht man den Kauf von Forderungen aus abgeschlossenen Warenleistungen oder erbrachten Dienstleistungen. Factoring ist eine moderne Form der Umsatzfinanzierung. Das bedeutet: Ein Unternehmen verkauft seine Forderungen nach Rechnungsstellung an einen Factor. Dieser zahlt sofort bis zu 100 % der eingereichten Bruttorechnungssumme aus. Das Warten auf den Zahlungseingang gehört mit Factoring der Vergangenheit an.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <div> <div aria-labelledby="heading_680" data-parent="#accordion_63"> <div> <div> <p>Preis für die Übernahme der Factoringdienstleistung inklusive Debitorenmamangement und Ausfallschutz. Er richtet sich nach Risiko, Factoringumsatz, Aufwand und liegt meist im Skontobereich.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_684" data-parent="#accordion_63"> <div> <div> <p>Die Abtretung von Forderungen ist nach der juristischen Definition in § 398 BGB die Übertragung einer Forderung von einem Gläubiger (Zedent) auf einen anderen (Zessionar). Sie erfolgt im Factoring regelmäßig durch entsprechende Vereinbarungen im Factoringvertrag.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-5">G</h3> <div> <div aria-labelledby="heading_687" data-parent="#accordion_63"> <div> <div> <p>Außenstände aus Warenlieferungen und Dienstleistungen. Ohne die Nutzung von Factoring sind sie für den Dienstleister/Lieferanten/Hersteller mit einem Ausfallrisko verbunden. Durch die Abtretung der Forderungen an den Factor verfügt der Dienstleister/Lieferant/Hersteller über sofortige Liquidität.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_690" data-parent="#accordion_63"> <div> <div> <p>Unter Globalzession versteht man die Abtretung sämtlicher gegenwärtiger und zukünftiger Forderungen.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-6">I</h3> <div> <div aria-labelledby="heading_693" data-parent="#accordion_63"> <div> <div> <p>Der Einzug von Forderungen wird mit Inkasso bezeichnet.</p> </div> </div> </div></div> <h3 id="toc-7">M</h3> <div> <div aria-labelledby="heading_696" data-parent="#accordion_63"> <div> <div> <p>Das Mahnwesen erfasst und verwaltet die offenen, fälligen Forderungen eines Unternehmens gegenüber seinen Debitoren. Der damit befasste Unternehmensbereich wird als Forderungsmanagement bezeichnet.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-8">O</h3> <div> <div aria-labelledby="heading_699" data-parent="#accordion_63"> <div> <div> <p>Bei dieser Form des Factorings werden die Debitoren über die Zusammenarbeit mit dem Factor durch den Factoringkunden informiert. Das Gegenteil davon ist stilles Factoring.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_702" data-parent="#accordion_63"> <div> <div> <p>Die Factoringprozesse werden per Datenübermittlung erledigt. Dem Factoringkunden steht ein Online-Kundenportal zur Verfügung. Hier lädt er seine Rechnungen hoch, legt Debitoren an und hat jederzeit einen Überblick über offene Posten und ihre Verfügbarkeit.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-9">P</h3> <div> <div aria-labelledby="heading_947" data-parent="#accordion_63"> <div> <div> <p>Die<span> Preisliste</span> weist die Gebühren für außervertragliche Leistungen der S-Factoring aus. Die Preise sind Nettopreise und verstehen sich zzgl. der jeweils geltenden gesetzlichen Mehrwertsteuer.</p> </div> </div> </div></div> <h3 id="toc-10">R</h3> <div> <div aria-labelledby="heading_705" data-parent="#accordion_63"> <div> <div> <p>Mit Ankauf der Forderung geht das Ausfallrisiko zu 100 % auf den Factor über. Sie erhalten den abgetretenen Forderungsbetrag, auch wenn Ihr Kunde – wider Erwarten – zahlungsunfähig wird. Ein weiterer Vorteil: Der Factor prüft laufend die Bonität der Debitoren.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-11">S</h3> <div> <div aria-labelledby="heading_708" data-parent="#accordion_63"> <div> <div> <p>Der Sicherheitseinbehalt dient dem Factor als Ausgleich. Mögliche vereinbarte Rabatte, Skonti oder eventuelle Einreden wegen Mängeln bzgl. der abgetretenen Forderungen können so einfach verrechnet werden.</p> </div> </div> </div></div> <div> <div aria-labelledby="heading_711" data-parent="#accordion_63"> <div> <div> <p>Im Gegensatz zum offenen Factoring werden beim stillen Factoring die Debitoren nicht über den Verkauf der Forderungen vom Factoringkunden an den Factor informiert.</p> </div> <div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></div> </div></div> <h3 id="toc-12">T</h3> <div> <div aria-labelledby="heading_1083" data-parent="#accordion_63"> <div> <div> <div> <p>Die Transparenzerklärung beinhaltet Datenschutzhinweise für Kunden und andere Betroffene. Mit den Informationen möchten wir Ihnen einen Überblick über die Verarbeitung Ihrer personenbezogenen Daten durch uns und Ihre Rechte aus dem Datenschutzrecht geben.</p><p>Die Transparenzerklärung gibt Antwort auf diese Fragen:<br>Welche Quellen und Daten nutzen wir?<br>Wofür verarbeiten wir Ihre Daten (Zweck der Verarbeitung) und auf welcher Rechtsgrundlage?<br>Wer bekommt meine Daten?<br>Werden Daten in ein Drittland oder eine internationale Organisation übermittelt?<br>Wie lange werden meine Daten gespeichert?<br>Welche Datenschutzrechte habe ich?<br>Gibt es für mich eine Pflicht zur Bereitstellung von Daten?<br>Inwieweit gibt es eine automatisierte Entscheidungsfindung?<br>Findet Profiling statt?</p><p>Und Sie werden über Ihr Widerspruchsrecht nach Artikel 21 DSGVO informiert.<div class="sm:flex sm:items-center sm:justify-center sm:flex-row sm:space-x-1 insert" style="margin-top:0; margin-bottom:0;"><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script><ins class="adsbygoogle sm:w-1/2" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-full-width-responsive="true" data-ad-slot="3914276034" data-ad-client="ca-pub-7418365965779211" data-adtest="off"></ins><script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div></p> </div> </div> <div> <p><span>2023-transparenzerklaerung-sfactoring.pdf (61,3 KiB)</span> </p></div> </div> </div></div> <h3 id="toc-13">U</h3> <div> <div aria-labelledby="heading_714" data-parent="#accordion_63"> <div> <div> <p>Beim unechten Factoring bleibt das Ausfallrisiko – im Falle der Zahlungsunfähigkeit eines Debitors – beim Factoringnehmer.</p> </div> </div> </div></div> <h3 id="toc-14">Z</h3> <div> <div aria-labelledby="heading_717" data-parent="#accordion_63"> <div> <div> <p>lat. für Abtretung (s. 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