How does KV and KZV factoring work in detail?
1. Submission to KV or KZV and portal of factoring companies
You submit your statements to KV or KZV as usual. After a successful submission, upload the same data to the Nelly portal.
2. Verification and payment
The factoring company reviews the receivables and usually pays out the money minus the KV or KZV fee within 48 hours. This gives you immediate liquidity.
3. Settlement
As soon as KV or KZV has prepared the final statement and transferred the outstanding money to the factoring company, the factoring company will internally offset the payment of KV or KZV against the payouts to practice. Interest is also calculated in this step.
What are the costs of KV and KZV factoring?
Factoring involves various costs, which can vary depending on the provider and type of factoring. Here are the most common cost types:
1. Administrative costs
Factoring providers charge fees for administration and receivables management. These may be charged as lump sums or percentage fees.
2. Interest costs
These costs arise for pre-financing the receivables. The interest rate may vary depending on the agreement and the company's credit rating.
By the way: At Nelly, administrative costs amount to just 0.1% of the amount of receivables purchased.

What is the legal framework?
Compared to private factoring, patients with KV and KZV Factoring do not have to sign consent/EWE, as the statements are transmitted to the factoring company without patient data.
Important to mention: Factoring has no influence on treatment or the amount of costs. Factoring must not incur any additional costs for legally insured persons. This is regulated in the Social Code (SGB V). Billing must continue to be made via KVen or KZVen so that there are no additional burdens for patients.
Conclusion: KV and KZV factoring for the financial stability of your practice
KV and KZV factoring offers doctors and dentists an efficient opportunity to improve their liquidity and ensure financial stability. By selling receivables to factoring companies, practices receive immediate payouts and optimize their financial planning.
With factoring solutions, medical institutions can not only cover ongoing costs, but also invest in growing and developing their practice — all without sacrificing the quality of patient care. Providers such as Nelly are happy to assist you in this process. contact us Please feel free to contact us today and we will be happy to advise you without obligation.
Common questions
Which institutions use KV and KZV factoring?
KV and KZV factoring is used primarily by the following healthcare groups to improve liquidity:
- doctor's offices
- dental practices
- Joint practices and medical care centers
- care facilities
- Physiotherapists, occupational therapists and speech therapists
What are the fees for factoring?
The administrative fees for factoring are typically between 0.1% and 3% of the invoice amount, depending on the industry, the volume of receivables and the company's creditworthiness. In addition, there are interest costs for pre-financing, which also vary. With Nelly, the administration fees amount to 0.1% of the purchased claim amount. In addition, interest of 4% plus EURIBOR is charged for the period between payment to practice and transfer of KV or KZV.
How long does factoring take?
The factoring process for KV and KZV receivables is fast and efficient. The initial review of your practice and the conclusion of the factoring contract (happens once) take about one to two weeks and include a credit check and contract negotiations. After concluding the contract and submitting the invoices, the factoring company reviews all claims within 48 hours. After that, the payout is also made within 48 hours.
Who is factoring not suitable for?
KV and KZV factoring makes sense for most medical and dental practices because it prevents payment defaults, secures liquidity and minimizes financial risks. However, factoring may not be suitable for practices with very few health insurance patients, stable liquidity, low receivables volume or existing financing solutions.
Is the concentration camp an authority?
No, the Association of Statutory Health Insurance Dentists (KZV) is not an authority. The KZV is a public corporation that is responsible for ensuring dental care for patients covered by statutory health insurance within its area of responsibility. It organises contract dental care, negotiates payments with health insurance companies and ensures that the services provided are billed.