Sell your receivables completely free of charge.

Strictly speaking, there are no costs or charges involved when you sell your receivables to EOS. A more critical factor for you is the price that is ultimately set out in the agreement. Read here how it is calculated.

Receivables sale and costs: A couple of staff members look at a calculation for a receivables purchase.

Sell your receivables without any costs or charges whatsoever.

What costs or charges apply when you sell your receivables as a creditor?

The answer is quite simple: none.
If you sell your receivables to EOS there are no fees, unlike on most online trading platforms. The entire process, from the initiation of business to the signing of the receivables purchase agreement, is free of charge for you as the creditor. What ultimately matters is the purchase price that has been agreed and recorded in the agreement.

Receivables sale and costs: Team discussing cost calculation for a receivables purchase

What is a receivables purchase agreement?

A receivables purchase agreement is a purchase agreement by means of which a creditor transfers their outstanding receivables to a third party. In the agreement, the seller confirms that the receivables under negotiation are in their ownership and that there is a legally enforceable claim for payment.

In addition, the receivables purchase agreement also stipulates which specific receivables are covered and the price agreed on. By means of an assignment declaration incorporated into the agreement, the rights and obligations are transferred from the previous creditor to the new creditor.

 

How is the purchase price determined?

Due to the increased default risk in the course of the recovery process, the purchase price is lower than the original nominal value of the receivables. The difference between nominal value and purchase price is the risk premium. There are various factors that determine how much this will be:

  • What is the value of the receivables and how long have they already been overdue?
  • Are the contact details of the liable parties available and still current?
  • Is current information on assets available and are bankruptcy proceedings possibly already under way?
  • Has a payment already been made and how long ago was this?

The answers to these questions already allow reliable conclusions to be drawn about the default risk of the portfolio. We then consult our empirical values from the past. In the last 45 years we have built up an extensive pool of experience that helps us as a benchmark for the valuation of receivables portfolios: Which portfolio from the past had a similar structure, was for a similar amount and came from a similar sector? Using intelligent algorithms, we evaluate the data available to arrive at a price that represents a fair deal for both parties.

All the information you need on the sale of receivables.

  • What does the sale of receivables involve: Businessman sits in lobby drinking coffee.

    What does the sale of receivables involve?

    Learn here how the sale of receivables works and what different kinds of receivables there are.

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  • Legal aspects of selling receivables: Businessman signs a receivables purchase agreement.

    The legal aspects of selling receivables.

    From assignment agreement to lack of recourse: All you need to know about the legal aspects of selling receivables.

    Learn more
  • Forward flow: Businessman on the phone at his desk

    Sell receivables on an ongoing basis with forward flow.

    Is your company plagued by a lot of payment defaults? Forward flow agreements allow you to permanently minimize your outstanding receivables.

    Learn more

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