Every card is something live today
Grouped by moment: what comes in, what gets checked, what each side sees in the morning and what gets written. Each card says whether an AI model does the work (AI) or a fixed rule (rule).
Invoice inbox
Drop invoice PDFs, photos or e-invoices. An e-invoice is read from its data, a PDF or a photo by an AI model, and each one is matched to your books. Nothing is imported until you press Import.
Company documents
The register extract, the tax registration and the bank or address proof are read by an AI model to help the reviewer, who decides. Identity documents and selfies never go to the AI: a person checks them.
16 file formats
CSV or Excel, SAF-T, Facturae, UBL/Peppol, CII/Factur-X, FatturaPA, KSeF, DATEV, FEC and more are read from their data. Every invoice keeps its source: a connection, a file, a PDF or manual entry.
59 invoice checks
Every invoice in a request goes through 59 named checks, each result recorded. Five ask an authority: VIES, the Spanish Tax Agency's VERI*FACTU record and the Portuguese list of certified invoicing programs.
Fraud signals
Every request is screened when it is created, when it is routed and every night. The hard signals refuse or block until a person reviews them; the softer ones are shown to the funder on the request.
Related parties
A person on both sides, the same address or a debtor contact on the seller's own e-mail domain: a relation waits for a person's review before any funding.
Sanctions screening
Companies, their representatives and owners, and the debtors of their requests are screened against the official EU, UN, UK and US lists, refreshed daily. A possible match waits for a person's written decision.
Debtor watch
Spanish and Portuguese debtors are watched in the official insolvency and register publications (BORME, Citius) from the request until the invoice is paid. A dissolved or insolvent debtor is not financed.
Bank-detail change shield
A payment to a supplier account you have not paid before, or that the supplier has not confirmed, waits for one confirmation before it can go into your payment file.
Cash runway
How many weeks your cash lasts, week by week for the next 13, from your bank and your books, with the forecast's confidence and why. A short week lists the invoices that would cover it.
Late-payment score
Every night each open sale invoice gets a score from 0 to 100 with its reasons in points, and says when the history is too thin to be sure. Each score names the scorecard version.
Opportunities of the day
Every morning, the invoices a funder's own clients could finance with it, read overnight from their books under the funder's rules, and what changed since the day before.
Early warning
Every morning, what changed in a funder's own book, debtor by debtor: exposure, overdue, late-payment risk, the debtor watch, concentration and limit use. An e-mail only on a day when something important changed.
Advanta Score
Six weighted dimensions (liquidity, profitability, ERP signals, stability, behaviour, qualitative), with a Benford's-law test on the amounts. Each score names its model version, and each version records who approved it and why.
Next action for partners
Each morning, the one thing worth doing for each client that lets its partner follow it, ranked by five fixed rules, never by a model.
Credit memo
For each request routed to a funder, one page for its credit committee, written only from the facts its own portal already shows, every line citing its source. It recommends nothing and states no price: the committee decides.
Contract clauses
Contracts on file are read for clauses that forbid assigning the invoices. A clause found, or a text that cannot be read, goes to a person.
Operations summaries
Each item on Advanta's operations list gets a one-paragraph summary that cites its facts and decides nothing. Anything doubtful goes to a person, and approval stays with a person.
Evidence chain
Notices, acknowledgments and buyer approvals go on hash-chained logs. Each day's entries seal into a root that DigiCert and Sectigo timestamp (RFC 3161); anyone can check them at advanta.capital/evidence.
Four rules on every screen
What the AI may do, and what it never does.
Widgets with sources, never a chat
The AI works inside the screen you already use: it reads a document for you to confirm, or writes a memo where every line cites its source.
There is no chat box to talk to.
Identity documents never go to the AI
Identity cards, passports, residence permits and selfies are checked by a person and never sent to an AI provider.
The AI reads company documents only, to help the reviewer who decides.
The AI never decides credit or sets a price
The credit memo recommends nothing and states no price; a line that does is dropped before it is stored.
Advanta does not lend, set the price or decide credit: the funder decides and prices.
Rules you can read, people who decide
Checks, scores and alerts run on fixed rules, and each score names the model version that produced it.
Anything doubtful goes to a person, and approval always stays with a person.
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