Structured Financing Solutions for Business Growth
GENERALFINANCE SPA is a specialist commercial finance institution dedicated to helping businesses of all sizes unlock liquidity from their receivables and strengthen their financial position. We offer a comprehensive range of products including invoice advances, pro soluto and pro solvendo factoring, SME liquidity financing, and corporate restructuring finance. Our approach is grounded in rigorous credit analysis, transparent terms, and a commitment to building lasting relationships with our clients. Whether you are a growing SME seeking working capital or a large corporation requiring tailored credit facilities, our team of experienced finance professionals structures solutions that align with your business objectives. GENERALFINANCE SPA operates with full regulatory compliance and maintains the highest standards of financial integrity across every client engagement.
We convert your outstanding trade receivables into immediate working capital, reducing the cash conversion cycle and enabling your business to operate without liquidity constraints. Our receivables financing structures are tailored to the volume, tenor, and debtor profile of each client portfolio.
GENERALFINANCE SPA advances up to 90% of eligible invoice value within 24 to 48 hours of submission, giving your business predictable cash flow without waiting for customer payment. The advance is settled automatically upon debtor payment, keeping the process seamless and administratively light.
We offer both non-recourse (pro soluto) factoring, where credit risk is fully transferred to GENERALFINANCE SPA, and recourse (pro solvendo) factoring, which provides a cost-efficient alternative when clients prefer to retain debtor risk. Each structure is assessed and priced based on debtor creditworthiness and portfolio composition.
Small and medium enterprises frequently face timing mismatches between revenue recognition and cash receipt, which can restrict growth and operational capacity. Our SME liquidity facilities are designed to bridge these gaps with flexible drawdown schedules, competitive rates, and minimal bureaucratic burden.
When businesses face periods of financial stress or strategic transformation, GENERALFINANCE SPA provides structured finance solutions that stabilise the balance sheet and create a platform for recovery or growth. Our restructuring team works closely with management, creditors, and advisors to design pragmatic and executable plans.
We establish revolving and term credit facilities for corporates that require flexible access to capital beyond traditional banking lines. Facility limits are determined by underlying business performance, receivables quality, and agreed financial covenants reviewed on a periodic basis.
GENERALFINANCE SPA manages the full receivables collection cycle on behalf of clients, from invoice tracking and debtor communication to formal recovery procedures when necessary. Our collection specialists maintain a professional, relationship-preserving approach that protects your commercial reputation while maximising recovery rates.
GENERALFINANCE SPA operates under strict regulatory oversight and maintains full transparency in pricing, contract terms, and reporting. Clients receive detailed monthly statements and have access to a dedicated relationship manager at all times.
Our proprietary credit assessment platform enables rapid onboarding and same-day credit decisions for most applications. We understand that time-sensitive financial needs require decisive action, and our internal processes are engineered accordingly.
No two businesses are identical, and GENERALFINANCE SPA does not apply a one-size-fits-all approach. Each client engagement begins with a detailed needs analysis, and all facilities are structured to match the client's industry, debtor mix, and growth trajectory.