The factoring market in France

According to the ASF, international factoring accounts for €169.1 billion of receivables financed in France in 2025, up 5%, or about 38% of the total (calculated from ASF data). Export factoring grows by 14.4%, to €36.4 billion. Domestic factoring, at €270.3 billion, is stagnant. At the end of 2025, international outstandings rise by 7.3% while domestic outstandings fall by 1.9%. The ASF ranks France first in the world for international factoring supply.

According to the ASF, 30,515 companies were clients of a factoring firm in France at the end of 2025, 1.7% fewer than a year earlier. Very small businesses and SMEs made up 92% of clients by number in 2024, but mid-sized companies (ETIs) generated nearly 45% of outstandings at 31 December 2024. This larger clientele steers the offer towards delegated management, with contracts managed by the factor making up only a fifth of production.

Over ten years, factors’ activity has grown 2.5-fold in France, according to the ASF as cited by Le Nouvel Économiste in June 2025. The double-digit growth seen before the health crisis has given way to moderate increases: +1.2% in 2024, then +1.9% in 2025, according to the ASF. In the first quarter of 2026, receivables financed reach €104.6 billion, a slight decline of 0.3% year on year.

Factoring in France is concentrated around a few factors affiliated with the major banking groups, according to Informations entreprise. Société Générale Factoring reports €60.8 billion of purchased turnover in 2025, 48% of it international, for 2,600 clients. Factofrance develops offers with chartered accountants for very small businesses and SMEs. Specialist players and online platforms complete the offer, with simpler formulas aimed at small companies.

Payment delays in France stand at 13.4 days, slightly above the European average, according to the 2025 report of the Observatoire des délais de paiement (the French payment terms observatory) published by the Banque de France. Among large companies, fewer than one in two meets the 60-day legal deadline. Without delays, SMEs and micro-enterprises would have had €13 billion more in cash. Factoring precisely allows companies to turn their invoices into immediate cash.

A PDF report in French, 2026 edition, organised into six chapters: definition and scope of factoring, market size and dynamics, corporate demand, the offer and the factors, regulation and constraints, and market outlook.

The statistics of the Association française des Sociétés Financières (ASF), the work of the Banque de France and the Observatoire des délais de paiement, factors’ reports and trade press articles from the IndexPresse database. Every figure comes with its source and period.

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Factors, banks and fintechs in short-term financing, finance directors, chartered accountants and consultants, as well as investors who need to understand the factoring market in France.

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