Factoring 2030: Threats, Thresholds, and the Next Transition

This collaboration between TTP and FCI explores how receivables finance is evolving in the face of global change. While the factoring market grew to €3.9 trillion in 2024, regional disparities, consolidation in mature markets, the rise of embedded finance, data fragmentation, and limited access to capital in emerging economies all pose critical challenges. The report argues that factoring must transition from incremental growth to structural transformation if it is to remain a core enabler of SME finance by 2030.