Sell receivables on an ongoing basis with forward flow.

Is your company constantly grappling with payment defaults? This is precisely where the forward flow principle comes into play: With a forward flow agreement, you sell your outstanding receivables at regular intervals and gain a fresh cash injection in return.

Forward flow: Businessman on the phone at his desk

What is a forward flow agreement?

The forward flow principle is worthwhile for companies that are constantly grappling with payment defaults, e.g. telecommunications providers, online retailers, public transport operators or energy utilities. But it is also an attractive solution for banks. 

A forward flow agreement is a purchase contract within the scope of which receivables portfolios are sold and transferred at set intervals over a specific period. The time frame and intervals at which the seller transfers the receivables packages to the buyer are agreed in advance. The price is a percentage of the nominal value that is calculated beforehand and applied to all receivables transferred.

Benefits of a forward flow agreement.

With the help of a forward flow agreement, companies can permanently reduce their inventory of overdue receivables and banks can keep their NPL (non-performing loans) ratio at a consistent level. In both cases a forward flow agreement ensures that outstanding receivables are turned into fresh liquidity at regular intervals. 

In the context of the total receivables volume, both parties save a lot of time and coordination effort through a forward flow agreement. Instead of having to start new negotiations for each receivables package, the terms and conditions only have to be determined once. Ideally they will then form the basis for a long-term partnership based on trust and ensure the optimization of the seller’s processes.

  • Consistently low NPL and receivables inventories

  • Planning certainty in liquidity management

  • Save resources in accounts as well as in dunning and legal departments

  • Long-term partnership and therefore reduced coordination effort

Forward flow: Two businessmen having a conversation

Step by step to a forward flow deal.

A forward flow agreement works in a similar way to the traditional sale of receivables. The deal can be completed in just a few steps:

  • 1. Your company wants to monetize bad debts.

    You are experiencing a constant stream of unpaid bills and overdue loan instalments and decide to sell a steady flow of some of these receivables over a specific period.

  • 2. Your company offers to sell its outstanding receivables to EOS.

    To do this you provide us with data on the receivables under negotiation. On the basis of the data, which is anonymized for processing in accordance with data privacy legislation, we determine the purchase price for the first portfolio.

  • 3. We agree on the terms and conditions of the deal.

    Next, we agree on a time frame and the intervals at which the receivables packages will be transferred. We also determine the conditions under which future portfolios will be purchased. These include, for example, agreements on the structure of the portfolio. 

  • 4. The first receivables package is transferred.

    Once the agreement has been signed the first package is transferred to us. In return, your company gains fresh liquidity and planning certainty. This process continues until the term of the agreement ends. If the forward flow agreement has represented a good deal for both parties there is nothing to prevent an extension of the contract.

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.

    Learn more
  • Benefits of selling receivables: Businesswoman smiling in an office.

    Benefits of selling receivables.

    Planning reliability and more time for your core business. Selling your receivables offers your company a lot of benefits.

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

    Sell your receivables completely free of charge.

    It costs nothing to sell your receivables to EOS. All that matters is the purchase price. Read here how it is calculated.

    Learn more

Consent Banner

We use cookies on our website to enable you to have the best possible website visit. These include cookies that are necessary for the operation of the website, those that are only used for anonymous statistical purposes, cookies that are used for comfort settings and cookies that are used to provide you with personalized, interest-based content. You can decide yourself whether you want to allow the use of statistics, comfort, and marketing cookies. In addition, you can change/withdraw your consent at any time by clicking on the Change Cookies settings on the bottom of the website. Further information can be found in our Privacy Policy and in our Imprint.


We use necessary cookies. These cookies are necessary for the operation and the basic functions of the website. In particular, they enable the security-relevant functioning of our website.
You can read about which cookies we use here.


If you allow comfort cookies, we can make use of our site easier for you. If you visit our website again to use our services, it will automatically be recognized that you already visited us and the entries and settings you made will automatically be recognized so that you do not have to enter them again. For example, through this, you will not have to reenter your user data every time, but rather you can access the data already entered when you visit the website again.
You can read about which cookies we use here


We use statistical cookies to improve our offering and ensure a needs-based design and the continuous optimization of our website. 
For this, we collect anonymized data for statistics and analytics, for example, to determine site traffic and user behavior and to adapt and improve our content and the website experience. 
You can read about which cookies we use here


We use marketing cookies so that we can provide you with relevant and interest-based content when you visit our website.  
You can read about which cookies we use here.