For financing your intermediary invoices and status of works


Do you invoice your services in successive instalments?

Eurofactor, the Crédit Agricole Leasing & Factoring brand specialised in factoring, offers its Cadencio solution for SMEs/MSEs and professionals in the construction, IT and industrial manufacturing(1) sectors which operate in French public or private markets and invoice as their work progresses.

Finance your cash-flow needs with Cadencio 

With Cadencio from CAL&F, you can finance your intermediary invoices and reduce your deadlines for incoming customer payments.


Our services include:

  • financing of your invoices issued to your French customers
  • amicable dunning of your customers
  • collection of your payments
  • cover against the risk of insolvency(2) of your customers


Fast financing of your invoices

Cadencio finances your cash advances within 24 hours(3) for the payment of your intermediary invoices(4).




You manage your contract 24/7 online at Eurofactor Online  or via your dedicated mobile app.



Controlled payment collection deadlines

With Cadencio, you are free from the hassle of collecting your payments.

We put together a recovery plan tailored to your business and customer type to identify any potential disputes as quickly as possible, reduce late payments and limit the risk of unpaid debts.

Our specialist teams ensure the collection of your payments.


Cover against customer risk

With Cadencio, you are protected against the risk of insolvency of your customers up to 100% of the amount of your invoices(5).



(1) From €500,000 in turnover

(2) Court-ordered 

(3) Subject to invoice compliance and compliance with contractual conditions

(4) Invoices corresponding to a partially provided service

(5) Up to the agreed approvals




Do you have any questions?

We are available to help you with all your enquiries and to support you in the realisation of your projects.

If you wish to exercise your right to object to the processing of personal data for audience measurement purposes on our site via our service provider AT internet, click on refuse