Finanzdienstleistungsinstitut · Munich, Germany
Working capital and equipment financing, structured around your business.
activ factoring AG publishes clear, informational guidance on factoring and leasing for small and medium-sized businesses across Germany and the European Union. Explore how each solution works before reaching out to our team.
Core services
Factoring & Leasing
Two financing solutions, explained in plain terms
Headquarters
Munich, Germany
Brienner Straße 23, 80333 München
Purpose of this site
Informational only
No contracts are concluded through this website
This website is for information purposes only
The content on this site explains how factoring and leasing generally work. It does not constitute a binding offer, financial advice, or a solicitation to conclude a contract, and no paid services are sold or processed through this website. For a personal assessment of your situation, please contact us directly.
Our focus areas
Factoring and leasing, explained simply
Two financing approaches that help businesses manage liquidity and access equipment without tying up capital.
Factoring
Factoring allows a business to sell its outstanding invoices, converting receivables into available liquidity rather than waiting for customers to settle their accounts. This can shorten the cash conversion cycle and ease reliance on traditional credit lines.
How it generally worksLeasing
Leasing provides access to vehicles, machinery, or IT infrastructure without the upfront cost of ownership. A business uses the assets it needs while spreading payments over a fixed, predictable term.
Read about our approachHow factoring generally works
From invoice to liquidity, in four steps
An indicative sequence used by factoring providers in general — actual terms vary by agreement and are not determined by this website.
Invoice issued
A business delivers goods or services and issues an invoice to its customer as usual.
Invoice assigned
The outstanding invoice is assigned to the factoring provider under the terms of an agreement.
Funds advanced
A portion of the invoice value is advanced, improving short-term liquidity for the business.
Customer settles
Once the customer pays the invoice, the remaining balance is settled, less any applicable fees.
Working with receivables
Liquidity without waiting on payment terms
Long payment terms can leave a business short on cash even when its order book is healthy. Factoring is one way to address that gap by drawing on the value already represented by issued invoices.
The pages on this site describe the general mechanics, terminology, and considerations involved — useful background before any conversation about your specific circumstances.
Equipment & assets
Access to equipment, without the upfront cost
From delivery vehicles to warehouse machinery and IT hardware, many businesses find it more practical to lease equipment than to purchase it outright, preserving capital for operations and growth.
We outline the kinds of assets typically covered by leasing arrangements and the factors businesses generally weigh when comparing leasing to ownership.
How we work
Principles behind our information
The content we publish is guided by a small set of standards.
Transparency
We describe how factoring and leasing generally work in plain language, without exaggerated claims or hidden terms.
Compliance
As a concept rooted in the German regulatory framework for financial services institutions, our approach is built around applicable law and good practice.
Reliability
Questions sent through our contact form are reviewed by our team, who can point you toward the right next step.
Have a question about factoring or leasing?
Send us a message and our team will get back to you directly — no obligation, no automated offers.