At EFS, we offer innovative Leasing and Factoring solutions tailored to meet the financial needs of businesses across various industries in Egypt. Whether you’re looking to grow your business, improve cash flow, or access flexible financing, our comprehensive services are designed to empower you with the financial tools needed for success.
Factoring is a financing solution where businesses sell their receivables (invoices) to us at a discount in exchange for immediate cash. This enables businesses to quickly access funds and maintain smooth cash flow without waiting for customer payments.
Factoring is a financial arrangement in which a company sells its accounts receivable to a third-party (the factor – “EFS”) to receive immediate cash. Instead of waiting 30, 60, or 90 days for customer payments, factoring provides liquidity to cover expenses, invest in growth, and ensure operational stability.
The business is responsible for repurchasing any unpaid invoices. This type of factoring is typically less expensive but carries more risk
The factor assumes the risk of non-payment. This option offers greater security to businesses but comes with a higher fee
Export Factoring is when the buyer is registered or residing abroad. The company assigns its account receivables to EFS that purchases it within the prescribed limits of the buyers with an advance ratio up to 90% of the invoice value immediately. Correspondent Factor in buyer’s country applies appropriate collection procedures and provides credit rating and credit cover on the buyer
is a tool for buyers to obtain extended credit terms from their suppliers. Under such an arrangement, EFS will provide advance payments to suppliers. This service is applicable for customers with high credit ratings and a strong payment record.
Submit your outstanding invoices to us
EFS purchases your invoices at a discount and advances up to 90% of the invoice value.
EFS collects payments from your customers.
Once payment is received, EFS releases the remaining balance.
Factoring services are available for various sectors, including manufacturing, retail, construction, and services. Offering tailored solutions to meet the needs of each industry.
Fill out an application with basic financial information
EFS purchases your invoices at a discount and advance up to 90% of the invoice value.
Once approved, EFS signs an agreement outlining the terms.
EFS advances the agreed percentage of your invoices
Leasing provides businesses with the ability to acquire commercial & administration buildings essential equipment, machinery, or vehicles without upfront capital expenditures. This flexible financing option allows you to pay for the assets over a period of time, preserving your working capital.
Leasing allows businesses to obtain and use assets by entering into an agreement to pay for the asset over time. At the end of the lease term, the business can either return the assets, purchase it at a residual value, or extend the lease.
This type of lease is Mid, long-term, and the business has the option to purchase the asset at the end of the term at a predetermined price
If you already own equipment, you can sell it to EFS and lease it back, freeing up capital while continuing to use the asset.
Direct leasing is a type of lease arrangement where EFS owns the asset and leases it directly to the lessee.
Select the asset you wish to lease
EFS structures a lease agreement tailored to your business needs.
EFS provides the asset, and you make monthly lease payments.
At the end of the lease term, you have the option to purchase the asset, return it, or renew the lease.
Leasing options are available for a wide range of industries, including construction, transportation, healthcare, manufacturing, and more
Choose the asset you need for your business
EFS works with you to create a lease structure that fits your budget and requirements
Once approved, EFS finalizes the lease agreement
EFS provide the assets and begin the lease period
EFS
EFS Financial Solutions was established in April 2020 backed by three financial institutions, E-bank (85%), NBE (11%) and National Investment Bank (4%)
Contact information
Quick links
© 2025 All rights reserved MGH