Factoring and Confirming


Intesa Sanpaolo is the leader in the Italian factoring market and one of the main operators in the international receivables market.

A complete and flexible offer, professional and personalized services are the strengths that guarantee the best solution based on the customer’s needs for the effective management of working capital.

Main services:

  • Credit management: handling of the reminder and collection phases;
  • Advances on receivables;
  • Guarantee of successful outcome for receivables: coverage of the risk of customer default (without recourse).
  • Certainty of the date of collection of credits (Maturity); Support to the supply chain and optimization of working capital: Reverse Factoring, also through advanced Supply Chain Finance (Confirming) platforms.

The offering includes factoring instruments and services aimed at:

  • improving the relationship between companies and their customers and suppliers, helping businesses to grow in both the domestic and foreign markets
  • optimising balance sheet structures and ratings
  • providing credit using efficient structures
  • guaranteeing against risk of default on trade receivables
  • reducing administrative and operational costs
  • optimising the management of working capital, cash and balance sheet.

Intesa Sanpaolo has also developed specific solutions for businesses operating in the tourism, transport, public health and fuel sectors.


Confirming is Intesa Sanpaolo's product for supply chain finance (supply chain finance) based on the high creditworthiness that the bank recognizes to the leading company (the buyer).

Confirming allows:

  • buyer side a better management of working capital
  • supplier side is a valid tool for the financing of working capital that allows, in an efficient and fast way, the advance payment of receivables due from the buyer.

The management of financial flows is done through intuitive and easy-to-use web-based applications. 

The Intesa Sanpaolo Confirming also offers:

  • a dedicated specialist team
  • the possibility of onboarding both Italian and international clients






For business information and support:


For the contractual conditions of mentioned products and services, please consult the relevant information sheets available on Intesa Sanpaolo bank website as well as in the bank branches. Granting of loans is subject to the bank approval.