Suppliers to the Public Sector

We are the leader in Europe for the management and acquisition of debts owed to suppliers by public-sector bodies.

Factoring-like Products


This service makes it possible to obtain financing based on due and overdue invoices issued to bodies in the healthcare sector.

Main features:

  • Fiduciary factoring is compliant with the legislation on medical activities
  • The risks associated with recovering receivables from national health authorities are transferred to BFF
  • The appointed proxy monitors, collects and manages all receivables under the agreement
  • The appointed proxy will negotiate and reach agreements with debtors on  payments by instalments



Sub-participation allows clients to obtain financing based on due and overdue invoices issued to bodies in the healthcare sector.

Main features:

  • Compliant with the relevant legislation on medical activities, whereby a ban on the assignment of hospital invoices was introduced
  • Investment funds create a dedicated Fund 
  • BFF is the sole investor
  • After subscription, the Fund provides funding – the client remains the owner of the receivables but undertakes to re-pay the Fund



With silent factoring, the debtor is not informed about the assignment of the receivables (if there are no restrictions on the assignment itself) and the risk remains with the creditor. It applies to due and/or overdue receivables.



A consortium makes it possible to obtain financing through a performance-based contract for the associating of two businesses, with a long-term repayment schedule. 

Main features: 

  • BFF enters the public procurement process as a financial partner for clients that supply local government
  • Ban on assignment of receivables is not applicable



A guarantee enables clients to obtain a legal instrument providing a warranty on the debtor’s liabilities based on the issuing of a guarantee. The issuer guarantees that it will pay the client if the debtor fails to pay a given receivable.

Main features: 

  • Irrevocable and issued for a definite, pre-set period
  • Client asks the guarantor to pay instead of the debtor
  • Once the guarantor has paid (instead of the debtor), the guarantor’s position changes and it acquires all the rights previously held by the client