I'm using deutsche-factoring.de because its located in Bremen, my home town. A factoring bank buys the invoice, pays me immediate, and bills the customer. They

I'm using deutsche-factoring.de because its located in Bremen, my home town. A factoring bank buys the invoice, pays me immediate, and bills the customer. They will file a Schufa record. The schufa record will tell every bank and and everybody else who wants to know it, that the customer has the habit of paying late. Thats something no company wants on file. This of course only works, if you have a real contract with the customer. So getting the paperwork right is always the zero step. http://de.wikipedia.org/wiki/Schufa http://de.wikipedia.org/wiki/Schufa