Our DNA
As the French factoring pioneer, we support companies of all sizes in their operations by offering a wide range of products and services to boost cash flow and receivables management.
Since 1966, we have developed a unique value-added proposition offering companies tailor-made financing solutions ranging from :
- Flexible on-demand factoring solutions :
- Cross-border operations
- To in-house services :
- Receivables management and collection services,
- Credit risk protection,
- In France and in over 200 countries.
A robust partner to support your business in France and abroad
-
59 years
of experience
-
+ 900
employees
-
€106.4 billion
receivables purchased per year
(within Crédit Mutuel Factoring center of excellence) -
95 %
of our clients are satisfied
(survey realized by PRAXIS - Novembre 2024)
Our Group
As a subsidiary of Crédit Mutuel Alliance Fédérale, we benefit from the financial power of the no. 1 French Insurance and banking institution and a major European player in the financial market.
Crédit Mutuel Alliance Fédérale generates more than 20 % of its activities outside France through :
- Subsidiaries - Targobank, Banque de Luxembourg, Banque CIC (Switzerland), BECM
- CIC representative offices over 50 countries and CIC branches in London, New York, Hong Kong, Singapore and Brussels
Crédit Mutuel is a member-owned unlisted bank that retains its earnings rather then distribut it. This business model based on 8 million members has been consistently profitable during periods of growth and crisis.
-
€66 billion
in shareholders’ equity
-
€4.1 billion
in net banking income
-
18.8 %
CET1 ratio
(as of December 31, 2024) -
31 000 000
customers worldwide
Crédit Mutuel Alliance Fédérale is fully committed to sustainable transformation. With its 2024-2027 strategic plan TOGETHERNESS PERFORMANCE SOLIDARITY, the mutualist group is willing to put its performance to the benefit of environmental and societal transformation.
To read more about its societal and environmental ambitions, click here.
Commitments
Concerned with environmental and societal issues, Factofrance, subsidiary of Crédit Mutuel Alliance Fédérale, is actively committed in the group’s CSR (Corporate Social Responsibility) policy. Crédit Mutuel Alliance Fédérale's CSR approach is based on cooperative and solidarity values.
This CSR policy drives our ambitions in societal, social, environmental, member-related, and governance areas. At Factofrance, we are proud to commit to this approach, which is fully integrated into our 2024-2027 strategic plan for :
- Respecting a responsible commercial policy
- Leading our projects focusing on equal opportunity
- Implementing impactful environmental initiatives
A robust partner to support your business in France and abroad
-
80
Employee engagement index
-
50 %
of women in Governance
-
50 %
of women in executive roles
-
15 %
of our net profit for the Crédit Mutuel Alliance Fédrale Societal Dividend
-
100 %
of employees committed to ecological transition