What Our Clients Say

“We approached GENERALFINANCE SPA when our construction business was carrying over €1.2 million in unpaid invoices and our bank had reduced our overdraft facility without warning. Within two weeks of initial contact, we had a factoring facility in place that immediately restored our cash position. The relationship manager assigned to us understood the payment cycles typical in construction contracting and structured the facility accordingly. We have now been clients for over two years and regard GENERALFINANCE SPA as a core part of our financial infrastructure.”

“As a CFO managing a mid-sized logistics company with clients on 60 to 90 day payment terms, our working capital position was under constant pressure. GENERALFINANCE SPA designed a trade receivables financing programme that allowed us to draw against approved invoices within 24 hours, completely transforming our ability to pay carriers and fulfil new contracts on time. The reporting dashboard gives me exactly the visibility I need across our debtor book, and the credit monitoring service has flagged two debtor deteriorations before they became problems. I would not hesitate to recommend this firm to any business in a similar position.”

“We engaged GENERALFINANCE SPA during a particularly difficult period following a major customer insolvency that left us with a significant bad debt and severely strained cash flow. Their distressed financing team was straightforward about what was possible and structured a bridge facility secured against our remaining receivables within ten days. That facility gave us the time we needed to restructure our cost base and renegotiate terms with our remaining customers. The process was professionally managed and the communication throughout was honest and timely.”

“Our manufacturing business had been using a traditional bank overdraft to manage working capital for years, but as our export business grew the mismatch between our payment terms and our supplier obligations became unmanageable. GENERALFINANCE SPA introduced us to a cross-border receivables facility that covered our European buyer base and allowed us to draw in multiple currencies. The setup took longer than we initially hoped, but the GENERALFINANCE SPA team kept us informed at every stage and the end result has been exactly what we needed. Cash flow is now genuinely predictable for the first time in several years.”

“I was initially sceptical about factoring, having heard mixed experiences from industry contacts, but GENERALFINANCE SPA took time to explain precisely how their facility worked and what the true all-in cost would be for our business. There were no surprises when the first statements arrived, and the collections team handled our slower-paying customers professionally without any damage to those commercial relationships. The Foundation tier was a sensible entry point for a business of our size, and we have since upgraded to the Commercial facility as our turnover has grown.”