{"type":"document","data":{"id":"da35650d-4134-4982-9a64-d71bc92b92b0","localeString":"en-GB","publishDate":"2026-03-13T11:10:57.453+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Optimise your cash flow with factoring, and leverage your outstanding invoices, receivables and inventory through commercial financing."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Fast and flexible working capital financing","icon":{"transformBaseUrl":"https://assets.ing.com/transform/0bc0fc7c-9cae-4032-9fc9-8647b943f360/731014-invoice-manager_fast-input","type":"image","width":79,"original":"https://assets.ing.com/m/4af9e23d0f89dae/original/731014-invoice-manager_fast-input.png","extension":"png"}},{"body":"Protection against unpaid invoices","icon":{"transformBaseUrl":"https://assets.ing.com/transform/88c72da3-0dfa-4fff-b35e-c7ad8a11ccbb/Protection_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1d977fe2c0bba47c/original/Protection_outline_orange_RGB.png","extension":"png"}},{"body":"Tailor-made financing solutions","icon":{"transformBaseUrl":"https://assets.ing.com/transform/b6840ea5-6cb1-4280-bad7-bbe224f7d4b1/Know-your-customer_outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42cdfbb6ec9b16f9/original/Know-your-customer_outline_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/business/services/contact-us","text":"Contact us"}},"coreHeader":{"body":"Do you need working capital? Do you have many outstanding receivables? Or perhaps the purchase of inventory is impacting your liquidity? With ING Commercial Finance, you can unlock funds based on your outstanding receivables (receivables financing) and inventory (inventory financing). You can even outsource your receivables management entirely to us.\r\n\r\nWe offer three tailored options:\r\n1/ Factoring with recourse\r\n2/ Non-recourse factoring\r\n3/ Inventory financing","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/66896672-7e85-4919-bec9-d6800214bdd5/ing-commercial-finance-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/272471212373a5e2/original/ing-commercial-finance-1920.jpg","extension":"jpg"},"title":"Flexible Receivables and Inventory Financing for Your Business","subtitle":"Optimize your cash flow with factoring and leverage your outstanding receivables and inventory through Commercial Finance"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is factoring?"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/d7b784c4-d539-4e37-a80c-955875a83fc9/Handshake","type":"image","width":250,"original":"https://assets.ing.com/m/084fbcac34e55d3a/original/Handshake.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"With factoring or receivables financing, you can receive an advance of 70% to 90% on your outstanding receivables the same day. This way, you turn valuable assets into immediate liquidity. Result: more cash flow and financial stability.","title":"Immediately and flexibly unlock your cash flow"},{"body":"Choose for a credit insurance and transfer the risk of unpaid receivables to ING Commercial Finance. This way, you are protected against customer defaults","title":"Protection against non-payment"},{"body":"Entrust the collection of your receivables and payment reminders to us, saving time and allowing you to focus entirely on growing your business. Monitor your working capital in real time via Creditview, our online platform.","title":"Easier receivables management"}]},{"componentType":"sectionTitle","title":"Frequently askes questins"},{"componentType":"accordion","accordionList":[{"title":"Is factoring suitable for my business?","richBody":{"value":"

Receivables financing is especially beneficial for companies with:

"}},{"title":"What are the benefits of ING Commercial Finance?","richBody":{"value":"

 

"}},{"title":"Which factoring options does ING Commercial Finance offer?","richBody":{"value":"

We offer three flexible factoring options:

Factoring with recourse:

Non-recourse factoring:

Inventory financing:

"}},{"title":"Why choose ING Commercial Finance for pan-European factoring?","richBody":{"value":""}},{"title":"How can I monitor and control my working capital needs?","richBody":{"value":""}},{"title":"Can I integrate my ERP system with ING Commercial Finance?","richBody":{"value":"

Yes! Through D-Basics, you can seamlessly integrate your ERP system with ING Commercial Finance. Your data is automatically retrieved and securely transmitted via SFTP for smooth and efficient receivables transfer.

 

"}},{"title":"How much does it cost?","richBody":{"value":"

Factoring costs depend on the options you choose. Contact us via the contact form. Already a client? Ask your Relationship Manager for advice.

"}}]},{"componentType":"cards"},{"componentType":"paragraph","title":"Legal mention","richBody":{"value":"

Privacy statement 

"}}]}}}