Companies and self-employed




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Financial service

Let Factoring(1) handle your outstanding invoices.

Advance payment collection

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


With guaranteed payment in the event of insolvency of your customer.

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 a specialised financial entity 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

Factoring protects you from the risk of your debtor's defaulting on assigned trade receivables. In non-recourse Factoring, the specialised entity responds 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+34 901 11 11 33 or +34 952 07 62 24.

related products and services


Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.


Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and start banking, wherever you are.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

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