Get paid in days.Pay in months.
Your invoice is already money. Connect your accounting software or upload a file, and see what you can get paid now and pay later.
No cardNo monthly fee21 euro-area countries
ADVANTAIllustrative example, fictional companies. A funder finances it; the money arrives once it approves.
Three moves
Three ways to give your company liquidity.
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01
Get paid sooner
factoringInvoices due in 60 or 90 days? You receive most of the money in 1 to 2 business days after the funder approves. Your customer is informed and pays the funder on the normal date.
- Who funds it
- A funder
- What it costs
- A rate shown before you click, with or without recourse as the offer says. Advanta is free for the company.
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02
Pay later
confirmingNeed more time to pay? Pay later, and your suppliers are still paid on time, by a funder.
If you are a large buyer, one approval of yours serves all your suppliers.
- Who funds it
- A funder
- What it costs
- Whatever you agree with the funder. Suppliers see a visible rate; the funder pays Advanta.
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03
Pay early for a discount
dynamic discountingCash available? Pay your suppliers now and keep a discount for it.
- Who funds it
- The company itself
- What it costs
- Free: the whole discount stays with the company.
In every case the money goes straight from whoever funds to whoever is paid. It never passes through Advanta.
[01] Complete platform
The treasury system that never sleeps.
Everything that happens to your invoices, in one place. The screens below show the product, with illustrative data.
Illustrative data, fictional companies
Advance · Meridian Retail Group Ltd · 85% of 156 300 € available
| Invoice | Counterparty | Action | Amount |
|---|---|---|---|
| FT 2026/0421 | MNNorthgate Metalworks | Pay early | 100 000 € |
| FT 2026/0398 | HLMeridian Retail Group | Advance | 156 300 € |
| FT 2026/0415 | LAAtlantic Logistics | Extend term | 86 400 € |
Know who you're trusting before a euro moves.
Who pays on time, who concentrates risk, who deserves a better price: every counterparty arrives already scored. Underneath, a 300–850 score built on six weighted dimensions your auditor can redo.
From yes to money sent, with nothing retyped.
Approving is the last thing you do by hand: the app prepares the payment file, with every IBAN checked, ready to upload to your bank's portal. It's the SEPA format banks accept.
How we validate payments →- 12 IBANs checked
- No amount retyped
- In the format your bank accepts
AI reads the invoices for you.
Drag in a PDF and the AI reads supplier, tax ID, IBAN, ATCUD and amounts, cross-checks against the invoices already on the platform and detects duplicates before the money leaves. Confidence per field, auditable line by line.
See how the AI helps →In motion from invoice to bank
The life of an invoice, with no manual work.
An invoice comes in and the platform handles the rest: scores, proposes, records and pays. Follow the journey.
In numbers
The truth is in the numbers.
Every figure here is checked against the live platform.
- 22accounting programs you can connect from the appAny other program: upload a file.
- 16invoice and accounting file formats read on uploadSAF-T, Facturae, UBL, FatturaPA and more.
- 59named checks on every invoice in a request, each result recordedFive of them ask an authority.
- 21euro-area countries where companies can sign upFinancing only from a funder licensed there.
- 7languages across the app, the funder portal and the e-mails
Evidence
Every step is proven.
Each invoice's checks and your customer's confirmation are recorded. Every night, the day's evidence is sealed and timestamped by two independent authorities.
Illustrative example, fictional companies.
The invoice reaches the funder already checked, and the funder sees the result of each of the 59 checks.
No need to take anyone's word for it: your auditor recomputes the chain, and anyone can verify the timestamps published at advanta.capital/evidence.
No IT project
Works with what the company already uses.
Advanta starts from the invoices you already have. Nothing to install, nothing to migrate.
Connect your accounting software, or upload your invoices as a file.
CSV or Excel, SAF-T, e-invoices (Facturae, UBL/Peppol, CII/Factur-X, FatturaPA and more) and accounting files (FEC, DATEV, XAF). See every connection and format
For funders
Your book, fed by your clients’ invoices.
Invoices checked against the company’s accounting data, with an acceptance certificate your risk team can check. Your capital, your credit decision.
See the proposal for funders →Frequently asked questions
What companies ask before they start.
Short answers. For anything else, book a call.
What does it cost?
For your company, Advanta is free: no monthly fee and no card. The funder shows the cost of each operation before you accept, and there is only a cost on the invoices you choose to get paid early.
Will my customer know?
As a rule, yes. In factoring, the customer receives the notice of assignment and pays the funder on the invoice's normal date. Nothing changes in the term or the amount they pay.
Is it a loan?
No. You are getting paid early an amount you are already owed: the invoice passes to the funder, who collects it from your customer on the due date.
How long does it take?
Once the funder approves, the money arrives in 1 to 2 business days. The first time, your company is verified online.
Do I have to change software?
No. Connect the accounting software you already use, such as Xero or Odoo, or upload your invoices as a file. You can disconnect whenever you like.
What if my customer doesn't pay?
It depends on the offer, which says so before you accept. Without recourse, the funder takes the risk. With recourse, the invoice comes back to you and you repay the amount received; in that case, the operation may be reported to your country's central credit register.
Start with the next invoice.
More liquidity and a healthier treasury, from the invoices you already have. Request access and we reply within one business day, with no card and no monthly fee.
Reply within one business day · diogo@advanta.pt