1. Healthcare

Factoring – Our Product Solutions for You.
Business
Easy
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
In-House
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Full-Service
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Optimization
of Receivables
Management
Business Easy Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and on the basis of a credit
In-House Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and balance-sheet-optimizing receivables
purchase
This document was produced for information purposes only and is for the exclusive use of the
recipient. The information contained herein is indicative and subject to change at any time. No
guarantee is made regarding the reliability or completeness of this document, nor shall any
liability be accepted for any losses that arise from its use. This document does not constitute
an offer, a recommendation, or an invitation to purchase or sell investment instruments or to
execute transactions of any kind. Investors should be aware that prices may fall as well as rise.
For this reason, positive performance in the past can be no guarantee of positive performance
in the future. Furthermore, foreign currency investments are subject to exchange rate fluctuations. This document must not be distributed in the United States or given to any US persons.
The same applies in any other jurisdiction except where compliant with the applicable laws.
Copyright © 2014 Credit Suisse Group AG and /or its affiliated companies. All rights reserved.
Factoring
Liquidity Assured
Tip:
Use the needs/benefit analysis on our website to find out quickly and simply whether factoring would be a suitable solution for your company: www.credit-suisse.com/factoring
CREDIT SUISSE AG
P.O. Box
CH-8070 Zurich
credit-suisse.com/factoring
SNLS 2 2511994 10.2014
Full-Service Factoring “Disclosed assignment” (with notification of assignment to
debtor) and balance-sheet-optimizing receivables purchase
Factoring Affords Greater Flexibility.
Get in Touch. We Would Be Pleased to Advise You.
Is your company aiming to finance its own growth? Are you looking to expand abroad or
simply to improve your financial scope? If so, factoring with Credit Suisse AG is your best
­option.
With this innovative form of financing, you sell (Full Service / In-House Factoring) or assign
as part of an assignment credit (Business Easy Factoring) outstanding trade receivables to
the bank. You can immediately put the liquidity to use in the company, increasing your flexibility so that you can utilize current market opportunities or finance investments for growth.
Factoring enables you to effectively
address central corporate challenges:
Guaranteed
Liquidity
Improved Creditworthiness
… One Solution:
Factoring
Optimization
Expansion
of Receivables
into New Markets
Management
Guaranteed Liquidity
When your receivables are factored, you immediately receive up to 90% of the receivable
amount, largely irrespective of your clients’ payment behavior, and the remainder follows
once payment is received. You can use this inflow of liquidity to settle your own invoices
more quickly and take advantage of cash discounts. You also gain a competitive advantage
as you are able to grant better payment conditions to your clients.
Improved Creditworthiness
As part of our sale of your receivables (Full Service / In-House Factoring), the additional
liquidity can usually also be used to reduce current liabilities. This shortens the balance
sheet and therefore improves the equity ratio, which is a key valuation factor in the assessment of creditworthiness.
Expansion into New Markets
Credit Suisse AG verifies the creditworthiness of each domestic and foreign debtor for
factoring clients. One limit is set for each debtor. Within this limit, any potential payment
default is totally covered (up to 100%). This enables you to minimize the risk when
­expanding into new markets or segments. Credit Suisse AG accepts receivables from over
100 countries.
Optimization of Receivables Management
With Full-Service Factoring, Credit Suisse AG takes over your entire receivables management, including reminder procedures and collection. This means that you can concentrate
fully on your core business.
Your Expert Partner for Factoring.
Credit Suisse AG is a strong and experienced factoring partner with Swiss companies in
many sectors. Alongside our comprehensive know-how, we can also provide you with particularly attractive solutions.
The Main Advantages for You
Up to 100% risk assumption: Financing using Credit Suisse factoring is based either on the actual purchase of your receivables or on the basis of an assignment
credit. In both cases, this provides you with protection against debtor defaults within
the framework of the limits agreed.
Customized products: Our factoring services are geared precisely to your needs. We
will of course also take account of specific requests concerning receivables management, for example when conducting the reminder process. In the silent procedure, you
are in charge of the reminder process in any case.
Many years of expertise: Our specialists have solid know-how in the factoring area
and are familiar with markets and sectors. They will provide you with comprehensive
advice to match your requirements.
Efficient online platform: You can meet all of your factoring needs online in FactoringNet. Our application enables you to call up the financing, generate reports, or electronically transmit invoice data.
We are always here for you – in person as well. For advice, please get in touch with your
client advisor or contact directly:
Factoring Finance
SGCL 3
Uetlibergstrasse 231
CH-8045 Zurich
Tel. + 41 44 334 21 03
Fax + 41 44 334 20 13
For more information and our performance and balance sheet calculator, please visit
our website: www.credit-suisse.com/factoring
Factoring Affords Greater Flexibility.
Get in Touch. We Would Be Pleased to Advise You.
Is your company aiming to finance its own growth? Are you looking to expand abroad or
simply to improve your financial scope? If so, factoring with Credit Suisse AG is your best
­option.
With this innovative form of financing, you sell (Full Service / In-House Factoring) or assign
as part of an assignment credit (Business Easy Factoring) outstanding trade receivables to
the bank. You can immediately put the liquidity to use in the company, increasing your flexibility so that you can utilize current market opportunities or finance investments for growth.
Factoring enables you to effectively
address central corporate challenges:
Guaranteed
Liquidity
Improved Creditworthiness
… One Solution:
Factoring
Optimization
Expansion
of Receivables
into New Markets
Management
Guaranteed Liquidity
When your receivables are factored, you immediately receive up to 90% of the receivable
amount, largely irrespective of your clients’ payment behavior, and the remainder follows
once payment is received. You can use this inflow of liquidity to settle your own invoices
more quickly and take advantage of cash discounts. You also gain a competitive advantage
as you are able to grant better payment conditions to your clients.
Improved Creditworthiness
As part of our sale of your receivables (Full Service / In-House Factoring), the additional
liquidity can usually also be used to reduce current liabilities. This shortens the balance
sheet and therefore improves the equity ratio, which is a key valuation factor in the assessment of creditworthiness.
Expansion into New Markets
Credit Suisse AG verifies the creditworthiness of each domestic and foreign debtor for
factoring clients. One limit is set for each debtor. Within this limit, any potential payment
default is totally covered (up to 100%). This enables you to minimize the risk when
­expanding into new markets or segments. Credit Suisse AG accepts receivables from over
100 countries.
Optimization of Receivables Management
With Full-Service Factoring, Credit Suisse AG takes over your entire receivables management, including reminder procedures and collection. This means that you can concentrate
fully on your core business.
Your Expert Partner for Factoring.
Credit Suisse AG is a strong and experienced factoring partner with Swiss companies in
many sectors. Alongside our comprehensive know-how, we can also provide you with particularly attractive solutions.
The Main Advantages for You
Up to 100% risk assumption: Financing using Credit Suisse factoring is based either on the actual purchase of your receivables or on the basis of an assignment
credit. In both cases, this provides you with protection against debtor defaults within
the framework of the limits agreed.
Customized products: Our factoring services are geared precisely to your needs. We
will of course also take account of specific requests concerning receivables management, for example when conducting the reminder process. In the silent procedure, you
are in charge of the reminder process in any case.
Many years of expertise: Our specialists have solid know-how in the factoring area
and are familiar with markets and sectors. They will provide you with comprehensive
advice to match your requirements.
Efficient online platform: You can meet all of your factoring needs online in FactoringNet. Our application enables you to call up the financing, generate reports, or electronically transmit invoice data.
We are always here for you – in person as well. For advice, please get in touch with your
client advisor or contact directly:
Factoring Finance
SGCL 3
Uetlibergstrasse 231
CH-8045 Zurich
Tel. + 41 44 334 21 03
Fax + 41 44 334 20 13
For more information and our performance and balance sheet calculator, please visit
our website: www.credit-suisse.com/factoring
Factoring Affords Greater Flexibility.
Get in Touch. We Would Be Pleased to Advise You.
Is your company aiming to finance its own growth? Are you looking to expand abroad or
simply to improve your financial scope? If so, factoring with Credit Suisse AG is your best
­option.
With this innovative form of financing, you sell (Full Service / In-House Factoring) or assign
as part of an assignment credit (Business Easy Factoring) outstanding trade receivables to
the bank. You can immediately put the liquidity to use in the company, increasing your flexibility so that you can utilize current market opportunities or finance investments for growth.
Factoring enables you to effectively
address central corporate challenges:
Guaranteed
Liquidity
Improved Creditworthiness
… One Solution:
Factoring
Optimization
Expansion
of Receivables
into New Markets
Management
Guaranteed Liquidity
When your receivables are factored, you immediately receive up to 90% of the receivable
amount, largely irrespective of your clients’ payment behavior, and the remainder follows
once payment is received. You can use this inflow of liquidity to settle your own invoices
more quickly and take advantage of cash discounts. You also gain a competitive advantage
as you are able to grant better payment conditions to your clients.
Improved Creditworthiness
As part of our sale of your receivables (Full Service / In-House Factoring), the additional
liquidity can usually also be used to reduce current liabilities. This shortens the balance
sheet and therefore improves the equity ratio, which is a key valuation factor in the assessment of creditworthiness.
Expansion into New Markets
Credit Suisse AG verifies the creditworthiness of each domestic and foreign debtor for
factoring clients. One limit is set for each debtor. Within this limit, any potential payment
default is totally covered (up to 100%). This enables you to minimize the risk when
­expanding into new markets or segments. Credit Suisse AG accepts receivables from over
100 countries.
Optimization of Receivables Management
With Full-Service Factoring, Credit Suisse AG takes over your entire receivables management, including reminder procedures and collection. This means that you can concentrate
fully on your core business.
Your Expert Partner for Factoring.
Credit Suisse AG is a strong and experienced factoring partner with Swiss companies in
many sectors. Alongside our comprehensive know-how, we can also provide you with particularly attractive solutions.
The Main Advantages for You
Up to 100% risk assumption: Financing using Credit Suisse factoring is based either on the actual purchase of your receivables or on the basis of an assignment
credit. In both cases, this provides you with protection against debtor defaults within
the framework of the limits agreed.
Customized products: Our factoring services are geared precisely to your needs. We
will of course also take account of specific requests concerning receivables management, for example when conducting the reminder process. In the silent procedure, you
are in charge of the reminder process in any case.
Many years of expertise: Our specialists have solid know-how in the factoring area
and are familiar with markets and sectors. They will provide you with comprehensive
advice to match your requirements.
Efficient online platform: You can meet all of your factoring needs online in FactoringNet. Our application enables you to call up the financing, generate reports, or electronically transmit invoice data.
We are always here for you – in person as well. For advice, please get in touch with your
client advisor or contact directly:
Factoring Finance
SGCL 3
Uetlibergstrasse 231
CH-8045 Zurich
Tel. + 41 44 334 21 03
Fax + 41 44 334 20 13
For more information and our performance and balance sheet calculator, please visit
our website: www.credit-suisse.com/factoring
Factoring – Our Product Solutions for You.
Business
Easy
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
In-House
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Full-Service
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Optimization
of Receivables
Management
Business Easy Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and on the basis of a credit
In-House Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and balance-sheet-optimizing receivables
purchase
This document was produced for information purposes only and is for the exclusive use of the
recipient. The information contained herein is indicative and subject to change at any time. No
guarantee is made regarding the reliability or completeness of this document, nor shall any
liability be accepted for any losses that arise from its use. This document does not constitute
an offer, a recommendation, or an invitation to purchase or sell investment instruments or to
execute transactions of any kind. Investors should be aware that prices may fall as well as rise.
For this reason, positive performance in the past can be no guarantee of positive performance
in the future. Furthermore, foreign currency investments are subject to exchange rate fluctuations. This document must not be distributed in the United States or given to any US persons.
The same applies in any other jurisdiction except where compliant with the applicable laws.
Copyright © 2014 Credit Suisse Group AG and /or its affiliated companies. All rights reserved.
Factoring
Liquidity Assured
Tip:
Use the needs/benefit analysis on our website to find out quickly and simply whether factoring would be a suitable solution for your company: www.credit-suisse.com/factoring
CREDIT SUISSE AG
P.O. Box
CH-8070 Zurich
credit-suisse.com/factoring
SNLS 2 2511994 10.2014
Full-Service Factoring “Disclosed assignment” (with notification of assignment to
debtor) and balance-sheet-optimizing receivables purchase
Factoring – Our Product Solutions for You.
Business
Easy
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
In-House
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Full-Service
Factoring
Guaranteed
Liquidity
Hedging of
Del Credere
Risk
Improved
Credit­
worthiness
Optimization
of Receivables
Management
Business Easy Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and on the basis of a credit
In-House Factoring “Disclosed or undisclosed assignment” (i.e. assignment with
or without notification to debtor is possible) and balance-sheet-optimizing receivables
purchase
This document was produced for information purposes only and is for the exclusive use of the
recipient. The information contained herein is indicative and subject to change at any time. No
guarantee is made regarding the reliability or completeness of this document, nor shall any
liability be accepted for any losses that arise from its use. This document does not constitute
an offer, a recommendation, or an invitation to purchase or sell investment instruments or to
execute transactions of any kind. Investors should be aware that prices may fall as well as rise.
For this reason, positive performance in the past can be no guarantee of positive performance
in the future. Furthermore, foreign currency investments are subject to exchange rate fluctuations. This document must not be distributed in the United States or given to any US persons.
The same applies in any other jurisdiction except where compliant with the applicable laws.
Copyright © 2014 Credit Suisse Group AG and /or its affiliated companies. All rights reserved.
Factoring
Liquidity Assured
Tip:
Use the needs/benefit analysis on our website to find out quickly and simply whether factoring would be a suitable solution for your company: www.credit-suisse.com/factoring
CREDIT SUISSE AG
P.O. Box
CH-8070 Zurich
credit-suisse.com/factoring
SNLS 2 2511994 10.2014
Full-Service Factoring “Disclosed assignment” (with notification of assignment to
debtor) and balance-sheet-optimizing receivables purchase