IOS Finance EFC
a BFF Banking Group company

Credit management and non recourse factoring for suppliers to the public sector

Why us?

We have a unique servicing and management platform and an in-depth knowledge of the sector.

Track record

More than €2.78bn of trade receivables purchased since 2007 and an additional €2.76bn managed for third parties. Belonging to one of the largets and most innovative financial insitutions.

In-depth knowledge and expertise

Strong understanding of the payment processes (debtor specific). We offer long-standing relationships with the key contacts at the hospitals and the Public Administrations and we have a management team with 20+ years of experience.

State-of-the-art IT System

Best-in-class IT System (under SAP platform) to verify and manage the invoices and reconcile collections. Furthermore, it is vertically integrated with obligors and clients who can constantly monitor their positions, even after assignment.

What do we do?

We understand our clients' business priorities and needs, and we deliver flexible, innovative and tailor-made solutions with the aim to create long lasting partnerships.


Combining an expert and specialized management of the receivables with the strong capabilities of a leading international group.
All our procedures are certified in accordance ISO 9001:2015 in order to support the entire business process within our quality management system.
(*) The scope of the ISO9001 quality certificate only affects offices in Barcelona.