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    Factoring Assignment and Receivables Financing Bill (HB. 516)

    ⚡ 10 min experience 👥 0 explored
    SECTION 1 OF 8 ⚡ The Big Picture

    If this bill passes...

    Real Gist

    The Factoring Assignment and Receivables Financing Bill creates a legal framework that allows businesses to convert unpaid invoices into immediate cash by assigning them to licensed financial institutions, known as factors.

    Example

    Imagine Grace supplies ₦10 million worth of medical equipment to a hospital with payment due in 90 days. Instead of borrowing at high interest or shutting down operations, she can assign the invoice to a factoring company and receive most of the money immediately.

    Who Wins: SMEs, manufacturers, suppliers, exporters, contractors, financial institutions and employees whose salaries depend on business cash flow.
    Who Loses: Businesses and institutions that exploit delayed payments or rely on unclear laws surrounding invoice financing.
    Try Simulation

    Your business completes a ₦5,000,000 contract, but payment will arrive in 90 days. A factoring company offers to pay you ₦4,700,000 immediately. How much is deducted as the factoring cost?

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