Pay early.Get paid sooner.Extend terms.
Dynamic discounting, factoring and confirming, on a single platform connected to your ERP. Scores, proposes and pays, with no manual work.
No cardNo monthly feeConnected to your ERP
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 € |
Native connection to the ERPs your company already uses
[01] Complete platform
The treasury system that never sleeps.
Five capabilities over the same invoice ledger. Each one below is the real interface, live.
Pay early. Keep the difference.
Suppliers accept a small discount to be paid on D+5. Your company captures 5.4% net annualised on cash that was sitting idle: no credit, no bank.
Explore dynamic discounting →Decisions by score, not by gut feel.
Every counterparty has an Advanta Score from 300–850, calculated with 57 indicators over ERP data and public sources. Deterministic and reproducible: the auditor can redo the calculation.
From approval to the bank file, in one click.
Approved? The SEPA pain.001 file is generated, validated by mod-97 and signed by hash, ready for the bank portal. Compatible with BPI, Millennium, Novo Banco, Santander, Caixa.
How we validate payments →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 ERP and detects duplicates before the money leaves. Confidence per field, auditable line by line.
See the 22 AI surfaces →For whoever owns the number.
The CFO doesn't want another tab: they want the consolidated position, the average cost of financing and what falls due this week. One dashboard with live numbers, ready for the board.
Open the demo dashboard →In motion from ERP 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.
“We built Advanta because SME treasury is stuck between slow banks and Excel spreadsheets. The answer wasn't another loan: it was putting the money that already exists to work.”
See it working right now.
Open TechServiços, our demo company. No account, no setup. When you are ready, a read-only ERP connection takes 5 minutes: no card, no monthly fee, revocable at any time.
Explore the live demo[02] Three instruments, one platform
One invoice ledger. Three ways to finance it.
Holding excess cash? Pay early with a discount. Short on cash? Get today what only falls due in 60 days. Tight terms? Extend them without squeezing your suppliers. The same ledger serves all three.
Cash sitting idle? Put it to work.
Your suppliers would rather be paid now. Your company pays a 100 000 € invoice today for 98 800 € and keeps the difference. No bank, no debt: it's your own treasury at work.
- 1–2% discount per invoice, 5–8% net annualised
- Your money, your call: no credit involved
- Available today, once the ERP is connected
Cash tied up in invoices? Free it up.
You sold, delivered, and now you wait 60 days to get paid. With factoring you assign the invoice to a financier and receive most of it today; at maturity, they collect from your customer.
- Liquidity on the same day, without waiting for the customer's term
- The risk of late payment passes to the financier
- Partner banks and alternative financiers, in one place
Tight terms on both sides? Extend yours.
Suppliers want to be paid in 30 days; your treasury was asking for 90. With confirming, the financier pays them at maturity on your behalf and your company settles later, on an extended term.
- Suppliers get paid on time, always
- Your term extends from 30 up to 120 days
- The commercial relationship is protected, not pressured
| In one question | Do I have excess cash? | Do I need cash now? | Do I need more time? |
|---|---|---|---|
| Instrument | Dynamic discounting | Factoring | Confirming |
| Who finances | Your own treasury | Bank or alternative financier | Bank or alternative financier |
| What happens | Pay today with a discount | Receive most of the invoice today | Pay in up to 120 days, supplier paid on time |
| Advanta fee | 15% of the discount · you keep 85% | 0€ · the financier pays | 0€ · the financier pays |
| Cost of money | None: it's your treasury | Financier's rate, no markup | Financier's rate, no markup |
| Status | Available today | With partner banks and financiers | With partner banks and financiers |
swipe to compare →
Under the hood the entity graph that powers all three instruments
Automatic the rules work on their own
[03] Live data
Live from day one.
No manual imports, no Friday CSVs. Sync runs on its own, hour by hour, and recovers if something fails. What comes in reports itself: live charts, an offer funnel and the PDF the board expects.
Read-only OAuth, AES-256-GCM encrypted tokens, automatic refresh.
Every document validated on entry; duplicates and anomalies flagged before any offer.
Last sync visible on every page. Failed? You see it and recover with one click.
[04] Security and compliance
Ready for the risk committee, from the very first invoice.
The infrastructure a risk committee expects to find, in place before the first operation happens. Every record hash-chained, immutable, auditable.
Write-only, hash-chained, 10-year retention. Every offer, acceptance and payment: tamper-proof.
Row-level isolation in the database. Each customer is a cryptographic boundary, not a convention.
pain.001 generated and validated by mod-97 on the platform; compatible with the portals of the 5 largest Portuguese banks.
European infrastructure, AES-256-GCM encryption at rest, GDPR by design and not as an afterthought.
[05] Always evolving
What shipped in the last few weeks.
Give your treasury breathing room starting today.
Start free
Connect your ERP and see your idle cash in minutes. No card, no monthly fee.
Create account →reply within <1 business day · diogo@advanta.pt