Protecting your assets and liabilities

Credit and factoring

Today, almost 80% of business-to-business transactions involve credit, with a real risk of non-payment. Yet client receivables is a vital or essential asset. It represents on average 35% of the total balance sheet.

Want to check your clients’ solvency? Protect your receivables?
Improve your company’s cash position?

SIACI SAINT HONORE works with you to secure, enhance and ensure the sustainability of your business development in France and abroad.

Our clients

We design solutions for all companies and their subsidiaries in France and for export as part of international programs: SMEs, mid-cap companies and multinationals.


SIACI SAINT HONORE supports you in all risks related to client receivables for effective protection that suits your needs:

  • Credit insurance: to prevent client risks, through real-time financial intelligence regarding your clients and prospects, the collection of your debts and the guarantee of your outstanding claims.
    According to your company’s risk exposure, you can select the coverage that best suits your needs: conventional ground-up credit insurance policy or various types of excess-of-loss credit insurance (pure excess, agreed excess).
  • Factoring: to diversify your sources of financing, optimize your cash position and reduce your DSO by outsourcing all or part of the management of your client accounts.
    According to your profile and requirements, different solutions may be implemented: full factoring, factoring with delegated management, confidential factoring, multi-local factoring, off-balance sheet factoring paired with a credit insurance plan
  • Bonding: in order to optimize your cash flow for your contractual and legal obligations.
  • Captive management: to optimize the cost of your credit insurance plan by maximizing the potential guarantees available to your group.


Placing the client at the core of our service offering
To provide you with a fully tailor-made solution, you are at the core of our support approach. We are on hand to understand, analyze and define together your requirements in terms of client receivables management. To protect your interests, SIACI SAINT HONORE, which enjoys very broad scope for negotiation with all key market players, advises you on the best solution for you and ensures that your plan is properly put into place. Because our teams are very familiar with your business and the challenges you face, they will provide daily assistance that is flexible and proactive for the management of your plan.

Adapting to your organization worldwide
For your international plans, SIACI SAINT HONORE adapts to your specific requirements either by working directly with your network, or through its own networks: Arthur J. Gallagher and JLT International Network. This flexible approach ensures an overall, consistent and dynamic vision of your credit policy worldwide.


Premium client service
At SIACI SAINT HONORE, every client is a partner. You define our relationship and our scope of action. Our flexibility and our independence enable us to design innovative solutions that are entirely tailor-made. Your dedicated team works within a structure on a human scale that ensures permanent availability.

They speak about the trust they place in us

Client account: Right from the tender phase, SIACI SAINT HONORE convinced us of its ability to provide proactive assistance to our pan-European factoring contract project...