Financial service

Let Factoring(1) handle your outstanding invoices.

Advance payment collection

Receive the amount of your outstanding invoices in advance with this service.


If you opt for Non-Recourse Factoring, you can count on a collection guarantee in case your customers become insolvent.

Administrative service

Better administration and classification of your customer portfolio.

Solicitar factoring


Greater security and guarantee

With Factoring you transfer the collection rights of your assigned invoices to the specialised financial entity (1) in exchange for commercial, administrative and financial services, such as an advance on the collection of your sales on credit.

Increased liquidity

With Factoring you increase the liquidity on your balance sheet and provide your company with greater resources to finance the growth of your sales.

Risk hedging

Non-Recourse Factoring protects you from the risk of defaults on any trade debts assigned by your debtors. The specialised entity(1) is liable in the event of insolvency and assumes the risk.

More convenient

Factoring improves the administrative management of your customers account.

Contractual process

To apply for Factoring, you can go to any of our Unicaja Banco branches, where we will be delighted to help you.


If you prefer, you can also apply for Factoring by filling out an application form and indicating at which branch you'd like it to be processed. We will contact you shortly.


Remember that if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.

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