ファクタリング市場- 世界の産業規模、シェア、動向、機会、予測、セグメント別、ファクタリングタイプ別、企業規模別、エンドユーザー別、地域別、競合別、2020～2030年

ファクタリング市場は2024年に4兆5,615億1,000万米ドルと評価され、2030年にはCAGR 6.37%で6兆6,667億6,000万米ドルに達すると予測されています。

ファクタリング市場とは、企業、特に中小企業（SME）に対し、売掛債権を割引価格で購入することで運転資金ソリューションを提供する金融サービス産業を指します。このプロセスにより、企業は未払いの請求書を即座に現金に換えることができ、流動性が向上し、より円滑な事業継続が可能になります。ファクタリングは、従来型銀行融資に代わり、売掛債権そのものを担保とすることなく、迅速な資金調達を可能にします。ファクタリングのアレンジメントでは、ファクタ（通常は金融機関またはファクタリングの専門会社）が債務者からの決済を回収する責任を負うため、企業は与信管理よりも成長に集中することができます。

ファクタリング市場には、リコース、ノンリコースファクタリング、国内外ファクタリング、インボイス・ディスカウントなど、様々なタイプのファクタリングが含まれます。ノンリコースファクタリングは、顧客が債務不履行に陥った場合、ファクタが負担するため、信用リスクから保護されます。一方、リコースファクタリングは、ビジネスが未払い請求書を買い取る必要があります。国際的なファクタリングは、輸出企業が貿易信用リスクを管理し、海外バイヤーからの長い決済サイクルによるキャッシュフローのギャップを埋めることをサポートします。ファクタリングサービスに対する需要は、製造業、運輸業、物流業、小売業、建設業、ヘルスケアなど、支払遅延が一般的で、従来型融資へのアクセスが制限されがちなセグメントで高まっています。

市場促進要因

中小企業における運転資金需要の増加

主要市場課題

規制の複雑さとコンプライアンスの負担

主要市場動向

ファクタリングサービスにおけるデジタルトランスフォーメーションと自動化

目次

第1章 概要

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 世界のファクタリング市場展望

• 市場規模・予測
  • 金額別
• 市場シェア・予測
  • ファクタリングタイプ別（国内、海外）
  • 企業規模別（中小企業、大企業）
  • エンドユーザー別（建設、製造、ヘルスケア、運輸・物流、エネルギー公益事業、IT・通信、その他）
  • 地域別
• 企業別（2024年）
• 市場マップ

第6章 北米のファクタリング市場展望

• 市場規模・予測
• 市場シェア・予測
• 北米：国別分析
  • 米国
  • カナダ
  • メキシコ

第7章 欧州のファクタリング市場展望

• 市場規模・予測
• 市場シェア・予測
• 欧州：国別分析
  • ドイツ
  • 英国
  • イタリア
  • フランス
  • スペイン

第8章 アジア太平洋のファクタリング市場展望

• 市場規模・予測
• 市場シェア・予測
• アジア太平洋：国別分析
  • 中国
  • インド
  • 日本
  • 韓国
  • オーストラリア

第9章 南米のファクタリング市場展望

• 市場規模・予測
• 市場シェア・予測
• 南米：国別分析
  • ブラジル
  • アルゼンチン
  • コロンビア

第10章 中東・アフリカのファクタリング市場展望

• 市場規模・予測
• 市場シェア・予測
• 中東・アフリカ：国別分析
  • 南アフリカ
  • サウジアラビア
  • アラブ首長国連邦
  • クウェート
  • トルコ

第11章 市場力学

• 促進要因
• 課題

第12章 市場動向と発展

• 合併と買収
• 製品上市

第13章 企業プロファイル

• BNP Paribas Factor
• HSBC Holdings plc
• Societe Generale Factoring
• Deutsche Factoring Bank
• Hitachi Capital（現Mitsubishi HC Capital Inc.）
• Bibby Financial Services
• Kuke Finance Group
• eCapital Corp
• RTS Financial Service, Inc.
• Triumph Business Capital

第14章 戦略的提言

第15章 調査会社について・免責事項

The Factoring Market was valued at USD 4561.51 Billion in 2024 and is expected to reach USD 6666.76 Billion by 2030 with a CAGR of 6.37%. The factoring market refers to the financial services industry that provides businesses, particularly small and medium enterprises (SMEs), with working capital solutions by purchasing their accounts receivable at a discounted rate. This process allows businesses to convert outstanding invoices into immediate cash, improving liquidity and enabling smoother operational continuity. Factoring serves as an alternative to traditional bank loans, offering faster access to funds without requiring collateral beyond the receivables themselves. In a factoring arrangement, the factor (usually a financial institution or a specialized factoring company) assumes responsibility for collecting payments from the debtor, allowing businesses to focus on growth rather than credit management.

The market encompasses various types of factoring, including recourse and non-recourse factoring, domestic and international factoring, and invoice discounting. Non-recourse factoring offers protection against credit risk, as the factor bears the burden if the customer defaults, whereas recourse factoring requires the business to buy back unpaid invoices. International factoring supports exporters in managing trade credit risks and bridging cash flow gaps caused by long payment cycles from foreign buyers. The demand for factoring services is rising across sectors such as manufacturing, transportation, logistics, retail, construction, and healthcare, where delayed payments are common and access to traditional financing is often limited.

Key Market Drivers

Increasing Demand for Working Capital Among Small and Medium Enterprises (SMEs):

The growing need for accessible and flexible working capital solutions among small and medium enterprises (SMEs) is a major driver of the global factoring market. SMEs frequently face cash flow constraints due to delayed invoice payments, seasonal business cycles, and limited access to traditional bank loans, prompting them to seek alternative financing mechanisms such as factoring. Factoring provides a practical and efficient way for these businesses to convert outstanding receivables into immediate cash, thereby improving liquidity and supporting day-to-day operations. Unlike conventional loans, factoring does not require fixed collateral or long credit histories, making it an attractive option for newer or underserved businesses.

The expansion of global trade and e-commerce has only intensified the need for agile financial solutions, especially among SMEs engaged in cross-border transactions that face even longer payment cycles. With factoring, these enterprises can maintain a healthy cash flow, pay suppliers on time, and reinvest in growth initiatives such as inventory expansion, market penetration, and technology upgrades. Moreover, factoring firms often provide additional services such as credit checks, receivables management, and collection services, helping SMEs reduce administrative burdens and operational risks.

In regions where banking infrastructure is underdeveloped or credit conditions are stringent, factoring serves as a crucial financial lifeline, enabling businesses to bridge the funding gap. Governments and financial institutions in many emerging economies are also launching programs to promote factoring services for SMEs, recognizing its role in strengthening economic development and job creation. As SMEs continue to be the backbone of global economies, their growing reliance on factoring to ensure operational continuity and competitive agility is expected to significantly boost the market's long-term growth trajectory. Globally, SMEs account for over 90% of all businesses and contribute more than 50% to employment, creating sustained demand for working capital solutions. The global SME financing gap is estimated to exceed USD 5 trillion annually, highlighting unmet credit needs. Over 60% of SMEs in emerging markets report insufficient access to working capital for daily operations and expansion. Demand for short-term financing among SMEs is growing at a CAGR of 8-10% globally. Fintech-driven working capital solutions for SMEs are expected to surpass USD 1 trillion in transaction value by 2030. Asia Pacific and Latin America together represent over 55% of the unmet SME working capital demand worldwide.

Key Market Challenges

Regulatory Complexity and Compliance Burden

The factoring market faces significant challenges due to the increasing complexity of regulatory environments across global jurisdictions. Financial institutions and independent factoring firms must navigate a growing web of legal, tax, and compliance frameworks, many of which vary widely between countries and even within regional blocs. The introduction of digital operational resilience regulations, data privacy laws like GDPR, and anti-money laundering (AML) standards has increased the compliance burden on factoring providers, especially those operating internationally. Meeting these diverse requirements necessitates substantial investment in legal expertise, digital compliance systems, and internal audits, straining the operational budgets of smaller and mid-sized factoring firms.

Moreover, inconsistent regulatory standards across borders make it difficult to create a streamlined approach to cross-border receivables financing, forcing firms to adapt their models to fit local rules, which reduces efficiency and increases overhead. In emerging economies, unclear or underdeveloped regulatory structures can also hamper factoring operations, increasing the risk of disputes, delayed payments, and unenforceable contracts. Additionally, factoring companies must deal with challenges associated with client due diligence, particularly in sectors deemed high-risk or in regions with limited financial transparency. As regulators become more vigilant about the potential misuse of trade finance instruments for fraudulent or illicit purposes, factoring providers are increasingly under pressure to invest in advanced KYC (Know Your Customer) and risk management tools, further escalating operational costs.

These growing regulatory hurdles create a high barrier to entry, limit market expansion opportunities, and discourage innovation, especially among smaller or tech-driven firms looking to enter the market. Furthermore, increased regulatory scrutiny may deter potential clients, especially SMEs, from using factoring services due to the perceived bureaucratic complexity or concerns about data sharing and transparency requirements. As a result, even though demand for working capital financing remains strong, regulatory bottlenecks and compliance risks can slow down market growth, reduce customer onboarding speed, and hinder service scalability. Overall, navigating the evolving and fragmented regulatory landscape represents one of the most critical and resource-intensive challenges for the factoring industry, impacting profitability, agility, and long-term sustainability.

Key Market Trends

Digital Transformation and Automation in Factoring Services

The factoring market is undergoing a significant shift through digital transformation and automation, revolutionizing traditional invoice financing practices. Financial technology is streamlining the end-to-end factoring process by integrating AI, machine learning, and data analytics into client onboarding, risk evaluation, credit scoring, and real-time invoice verification. Automation not only reduces processing time but also minimizes human error and administrative costs, thereby enhancing the operational efficiency of factoring companies.

Digitally-driven platforms now offer faster disbursal of funds, often within 24-48 hours, which significantly boosts working capital availability for small and medium enterprises (SMEs). Cloud-based systems, digital documentation, and electronic invoicing are replacing paper-intensive workflows, making the entire factoring cycle more transparent and scalable. These platforms also enable real-time creditworthiness monitoring and fraud detection, offering an extra layer of security to both factors and clients. Moreover, digital integration with ERP systems, supply chain networks, and e-commerce platforms allows seamless data flow, facilitating embedded finance models. This automation trend is also driving the rise of self-service portals where clients can manage invoices, monitor payments, and track funding status independently.

As factoring firms increasingly adopt APIs and blockchain technologies for secure, immutable transactions, trust in digital factoring services is growing, particularly among tech-savvy startups and mid-sized companies. In addition, regulatory compliance and reporting are being digitized, ensuring that factoring providers stay aligned with regional financial regulations and risk management frameworks. The convenience of digital KYC (Know Your Customer) and AML (Anti-Money Laundering) checks further accelerates onboarding, making factoring more accessible than ever before. Overall, the trend toward digitization is enhancing customer experience, expanding market reach, and enabling factoring firms to serve a wider spectrum of clients while reducing operational bottlenecks.

Key Market Players

• BNP Paribas Factor
• HSBC Holdings plc
• Societe Generale Factoring
• Deutsche Factoring Bank
• Hitachi Capital (now Mitsubishi HC Capital Inc.)
• Bibby Financial Services
• Kuke Finance Group
• eCapital Corp
• RTS Financial Service, Inc.
• Triumph Business Capital

Report Scope:

In this report, the Global Factoring Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Factoring Market, By Factoring Type:

• Domestic
• International

Factoring Market, By Enterprise Size:

• Small & Medium Enterprises (SMEs)
• Large Enterprises

Factoring Market, By End-User:

• Construction
• Manufacturing
• Healthcare
• Transportation & Logistics
• Energy & Utilities
• IT & Telecom
• Others

Factoring Market, By Region:

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia-Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE
  • Kuwait
  • Turkey

Competitive Landscape

Company Profiles: Detailed analysis of the major companies presents in the Global Factoring Market.

Available Customizations:

Global Factoring Market report with the given Market data, Tech Sci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional Market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
• 1.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Formulation of the Scope
• 2.4. Assumptions and Limitations
• 2.5. Sources of Research
  • 2.5.1. Secondary Research
  • 2.5.2. Primary Research
• 2.6. Approach for the Market Study
  • 2.6.1. The Bottom-Up Approach
  • 2.6.2. The Top-Down Approach
• 2.7. Methodology Followed for Calculation of Market Size & Market Shares
• 2.8. Forecasting Methodology
  • 2.8.1. Data Triangulation & Validation

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, and Trends

4. Voice of Customer

5. Global Factoring Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Factoring Type (Domestic, International)
  • 5.2.2. By Enterprise Size (Small & Medium Enterprises (SMEs), Large Enterprises)
  • 5.2.3. By End-User (Construction, Manufacturing, Healthcare, Transportation & Logistics, Energy & Utilities, IT & Telecom, Others)
  • 5.2.4. By Region
• 5.3. By Company (2024)
• 5.4. Market Map

6. North America Factoring Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Factoring Type
  • 6.2.2. By Enterprise Size
  • 6.2.3. By End-User
  • 6.2.4. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Factoring Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Factoring Type
      • 6.3.1.2.2. By Enterprise Size
      • 6.3.1.2.3. By End-User
  • 6.3.2. Canada Factoring Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Factoring Type
      • 6.3.2.2.2. By Enterprise Size
      • 6.3.2.2.3. By End-User
  • 6.3.3. Mexico Factoring Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Factoring Type
      • 6.3.3.2.2. By Enterprise Size
      • 6.3.3.2.3. By End-User

7. Europe Factoring Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Factoring Type
  • 7.2.2. By Enterprise Size
  • 7.2.3. By End-User
  • 7.2.4. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Factoring Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Factoring Type
      • 7.3.1.2.2. By Enterprise Size
      • 7.3.1.2.3. By End-User
  • 7.3.2. United Kingdom Factoring Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Factoring Type
      • 7.3.2.2.2. By Enterprise Size
      • 7.3.2.2.3. By End-User
  • 7.3.3. Italy Factoring Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Factoring Type
      • 7.3.3.2.2. By Enterprise Size
      • 7.3.3.2.3. By End-User
  • 7.3.4. France Factoring Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Factoring Type
      • 7.3.4.2.2. By Enterprise Size
      • 7.3.4.2.3. By End-User
  • 7.3.5. Spain Factoring Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Factoring Type
      • 7.3.5.2.2. By Enterprise Size
      • 7.3.5.2.3. By End-User

8. Asia-Pacific Factoring Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Factoring Type
  • 8.2.2. By Enterprise Size
  • 8.2.3. By End-User
  • 8.2.4. By Country
• 8.3. Asia-Pacific: Country Analysis
  • 8.3.1. China Factoring Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Factoring Type
      • 8.3.1.2.2. By Enterprise Size
      • 8.3.1.2.3. By End-User
  • 8.3.2. India Factoring Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Factoring Type
      • 8.3.2.2.2. By Enterprise Size
      • 8.3.2.2.3. By End-User
  • 8.3.3. Japan Factoring Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Factoring Type
      • 8.3.3.2.2. By Enterprise Size
      • 8.3.3.2.3. By End-User
  • 8.3.4. South Korea Factoring Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Factoring Type
      • 8.3.4.2.2. By Enterprise Size
      • 8.3.4.2.3. By End-User
  • 8.3.5. Australia Factoring Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Factoring Type
      • 8.3.5.2.2. By Enterprise Size
      • 8.3.5.2.3. By End-User

9. South America Factoring Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Factoring Type
  • 9.2.2. By Enterprise Size
  • 9.2.3. By End-User
  • 9.2.4. By Country
• 9.3. South America: Country Analysis
  • 9.3.1. Brazil Factoring Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Factoring Type
      • 9.3.1.2.2. By Enterprise Size
      • 9.3.1.2.3. By End-User
  • 9.3.2. Argentina Factoring Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Factoring Type
      • 9.3.2.2.2. By Enterprise Size
      • 9.3.2.2.3. By End-User
  • 9.3.3. Colombia Factoring Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Factoring Type
      • 9.3.3.2.2. By Enterprise Size
      • 9.3.3.2.3. By End-User

10. Middle East and Africa Factoring Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Factoring Type
  • 10.2.2. By Enterprise Size
  • 10.2.3. By End-User
  • 10.2.4. By Country
• 10.3. Middle East and Africa: Country Analysis
  • 10.3.1. South Africa Factoring Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Factoring Type
      • 10.3.1.2.2. By Enterprise Size
      • 10.3.1.2.3. By End-User
  • 10.3.2. Saudi Arabia Factoring Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Factoring Type
      • 10.3.2.2.2. By Enterprise Size
      • 10.3.2.2.3. By End-User
  • 10.3.3. UAE Factoring Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Factoring Type
      • 10.3.3.2.2. By Enterprise Size
      • 10.3.3.2.3. By End-User
  • 10.3.4. Kuwait Factoring Market Outlook
    • 10.3.4.1. Market Size & Forecast
      • 10.3.4.1.1. By Value
    • 10.3.4.2. Market Share & Forecast
      • 10.3.4.2.1. By Factoring Type
      • 10.3.4.2.2. By Enterprise Size
      • 10.3.4.2.3. By End-User
  • 10.3.5. Turkey Factoring Market Outlook
    • 10.3.5.1. Market Size & Forecast
      • 10.3.5.1.1. By Value
    • 10.3.5.2. Market Share & Forecast
      • 10.3.5.2.1. By Factoring Type
      • 10.3.5.2.2. By Enterprise Size
      • 10.3.5.2.3. By End-User

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Company Profiles

• 13.1. BNP Paribas Factor
  • 13.1.1. Business Overview
  • 13.1.2. Key Revenue and Financials
  • 13.1.3. Recent Developments
  • 13.1.4. Key Personnel/Key Contact Person
  • 13.1.5. Key Product/Services Offered
• 13.2. HSBC Holdings plc
• 13.3. Societe Generale Factoring
• 13.4. Deutsche Factoring Bank
• 13.5. Hitachi Capital (now Mitsubishi HC Capital Inc.)
• 13.6. Bibby Financial Services
• 13.7. Kuke Finance Group
• 13.8. eCapital Corp
• 13.9. RTS Financial Service, Inc.
• 13.10. Triumph Business Capital

14. Strategic Recommendations

15. About Us & Disclaimer