Financial solutions for businesses and individuals
Debt purchase, factoring, debt management, and financing – all in one hand, with an MNB license.
Financial solutions for businesses and individuals
Receivables purchasing, debt collection, factoring, and financing — all under one roof.
Our Services
ELEMENTOR Faktor Zrt. operates based on license No. H-EN-I-659/2020 issued by the Magyar Nemzeti Bank. It is at the service of its partners in five main areas:
Purchasing and management of overdue receivables
Receivables purchasing and invoice factoring
Mandate-based debt collection for companies
Debt collection for individuals
Provision of credit and money loans
Which solution is right for you?
Hover over the cards for details.
Debt factoring
We purchase overdue, terminated receivables, typically secured by a lien – both with and without collateral.
Invoice factoring
You can access the value of your issued invoices before the payment deadline, thereby improving your business's liquidity.
Mandate-based debt collection
The claim remains yours while we handle the administration and management of the collection process – for both businesses and individuals.
Credit and loan
Since 2025, we have also been supporting our partners through the provision of credit and money loans, with customizable structures.
Frequently Asked Questions
Why ELEMENTOR Faktor Zrt.?
Our company began operations in 2020 under the license of the Magyar Nemzeti Bank. Our work rests on four core values: transparency, efficiency, professionalism, and partnership.
With us, debt collection, receivables purchasing, factoring, and business financing are available all under one roof, so our partners do not have to coordinate with multiple service providers in parallel. We structure our solutions flexibly, tailored to the specific transaction, and maintain transparent processes from start to finish.
- Custom-tailored structures
- Individual transaction evaluation
- Transparent processes
What is factoring?
Factoring is a financial service through which a business transfers its uncollected, invoice-backed receivables to a factoring company, gaining access to their value before the payment deadline expires. As a result, the invoiced but unpaid amount does not tie up the company's resources, ensuring that the liquidity required for operations remains available.
Invoice factoring primarily provides a solution for small and medium-sized enterprises that operate with longer payment terms and find themselves in temporary financial tight spots due to outstanding receivables.
Receivables purchasing or mandate-based debt collection?
In the case of receivables purchasing, the obligee of the claim changes: our company purchases the claim via assignment and thereafter acts in its own name and at its own risk. The former obligee receives the purchase price and no longer needs to deal with the further management of the matter.
Under mandate-based debt collection, the claim remains with the client, while our company acts on their behalf and by their authorization to reach an agreement on settling the debt. Which structure is more suitable is always determined by the circumstances of the specific transaction — we evaluate every case referred to us on an individual basis.
Who is it for, and what claims qualify?
Our partners include small and medium-sized enterprises, companies struggling with outstanding receivables, individuals, and businesses seeking customized financing solutions.
We undertake the purchase and management of non-performing, overdue — expired or terminated — claims, typically secured by liens, as well as taking over unsecured overdue claims. For private individuals, we typically act in recovering loaned funds. We manage all cases in compliance with applicable legislation currently in force, with our primary goal always being to reach a mutually agreed settlement.
Custom review
for every transaction