Selected Non-Recourse Factoring

Selected Non-Recourse Factoring provides receivables funding with structured risk allocation for approved buyers, offering enhanced payment protection within defined parameters. Funding is extended against carefully evaluated debtors, where contractual clarity, buyer strength, and payment track record are assessed before capital is deployed.

By segmenting receivables and aligning exposure to stronger institutional or creditworthy contracts, this model balances liquidity support with prudent risk management. It enables businesses to unlock working capital confidently while maintaining portfolio stability and disciplined capital preservation.

Transaction Requirements

Business

Financial

Debtor (Buyer)

Documentation

Why Lumens Finance?

Strategic growth requires controlled exposure.

Process

01

Submit Invoices and Documents

Provide issued invoices and required supporting documents to initiate structured receivable review.

02

Debtor Evaluation and Classification

Assess buyer strength and categorize debtors within defined credit and risk parameters.

03

Exposure Framework Defined

Establish approved exposure limits and funding conditions aligned to evaluated risk levels.

04

Capital Advanced Under Structured Parameters

Disburse funds in accordance with agreed limits and predefined transaction controls.

05

Buyer Payment Formally Concludes Transaction

The transaction is closed upon verified receipt of payment from the buyer.

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