For banks · partner program

The modern factoring layer for European banks

Distribute factoring and supply chain finance digitally to your SME clients, without 18 months of IT projects, without heavy fixed costs. API-first, connected to the ERP, ready for white-label.

Partnership inquiry →
27 endpoints · OpenAPI 3.1 67 countries scaffolded White-label ready
Layer 1
Licensed bankCapital · risk · regulation
↓ API
Layer 2
Advanta · platformScore · ERP · KYB · settlement
↓ OAuth + ERP
Layer 3
SMEs · marketplace200+ on waitlist · 67 countries
For banks & treasury

Distribute factoring in weeks, not years

Most European banks have capital, branches and a licence, but lack the digital stack, the connection to SME ERPs and the real-time scoring infrastructure. That is exactly what we provide.

Distribution

Instant access to 200+ Portuguese SMEs on the waitlist. Potential origination marketplace with a pre-computed risk score.

200+ SMEs · active pipeline

ERP plumbing

65 connectors in production (Primavera, PHC, SAP, Oracle, Sage). You do not need to build integrations, you inherit the whole stack.

65 ERPs · 67 countries

Risk scoring

Advanta Score in 87s · 31 bureaus integrated · hybrid ML. Plug-and-play as an API or white-labeled in your UI.

P95 <2s · 99.97% uptime

Compliance

e-invoicing (12 standards), KYB/AML, GDPR, DORA, ESG/CSRD. The compliance layer that would take 18 months to build.

GDPR · DORA · ISO 27001
Architecture

Your company is the balance sheet layer. We are the software layer.

We do not lend. We do not hold capital. We do not take the risk. We are the software stack that makes your balance sheet digitally accessible to a new generation of SMEs.

  • API-first: 27 endpoints, OpenAPI 3.1, bidirectional webhooks, SDKs in Node/Python/Go/PHP
  • Full white-label: your brand, your UI, your URL. Advanta becomes invisible infrastructure
  • Modular: use only the Score, or Score+Marketplace, or everything (full SCF stack)
  • Settlement: native SEPA Instant, SWIFT support, multi-currency (EUR, USD, GBP, BRL, +43 others)
  • Data residency: EU hosting (Frankfurt + Dublin), AES-256 encryption, TLS 1.3
PresentationYour UI · your domain · your brand
white-labelembeddable widgets
↑ webhooks · ↓ REST
Advanta API · platformScore · KYB · Factoring · Confirming · ESG · Settlement
27 endpointsOAuthwebhooks
↓ OAuth
ERP connectors65 ERPs · 31 bureaus · 12 e-invoicing
SAPOraclePrimaveraPHC
↓ KYC · score
SME marketplace200+ SMEs · pre-computed risk score · DSO >60d
Revenue model

3 partnership models

Choose how you want to start. You can move between models as volume grows.

Tier 1

API only

Buy the Score API à la carte. Use it in your own onboarding. No distribution via the marketplace.

Pricing€0.15/call
Min. volume10k calls/mo
Setup€0
  • Advanta Score API
  • KYB checks
  • Bureau aggregation
Talk about API
Tier 2 · recommended

Marketplace partnership

Access to the SME marketplace. Your company originates, finances and keeps the relationship. Advanta runs the stack.

Origination fee40 bps
Setup€0
Onboarding6 weeks
  • Everything in Tier 1
  • SME marketplace
  • Settlement orchestration
  • Servicing & collections
Book a demo
Tier 3

White-label license

The whole Advanta platform with your brand, your UI, your domain. Your own platform without building it.

License fee€80k/yr
Origination20 bps
Onboarding12 weeks
  • Everything in Tier 2
  • Full white-label
  • Dedicated CSM
  • Enterprise SLA
Talk about a license
Regulatory positioning

We are not the bank. We are the stack that makes the bank modern.

Advanta is a software platform, not a financial institution. We do not lend, we do not hold capital, we do not take credit risk. The capital, the balance sheet and the relationship with the end client are yours.

GDPR + DORA

EU hosting. AES-256 encryption. Continuous auditing. Compliant with EU Regulation 2554/2022.

ISO 27001 + SOC 2

ISO 27001 certified. SOC 2 Type II in Q3 2026. Audit reports available under NDA.

No banking licence

Software vendor regulated by the CMVM as a payment services provider (Decree-Law 91/2018 art. 11). We are not a credit institution.

FAQ

Questions C-levels ask us

Who bears the credit risk?
The partner bank, always. Advanta is software, we do not lend, we are not a credit institution. Your company uses its own balance sheet, with its own credit risk, KYC and provisioning policies. We orchestrate the process digitally.
Where is the data? Hosted in the EU?
Yes. Frankfurt (AWS eu-central-1) primary, Dublin (AWS eu-west-1) failover. AES-256 encryption at rest, TLS 1.3 in transit. Compliant with GDPR and DORA (EU Regulation 2554/2022). Audit logs WORM-protected, 7-year retention.
How long does the integration take?
Tier 1 (API only): 1–2 weeks, just connect your onboarding to our Score API. Tier 2 (marketplace): 6 weeks, includes marketplace setup, SLA signing and settlement testing. Tier 3 (white-label): 12 weeks, includes custom branding, custom URLs and a dedicated CSM.
How does the revenue share work in the marketplace?
40 bps on the volume originated via the marketplace. Example: you finance a €100k invoice advanced to the SME, your company charges the SME (say) a 2% spread = €2,000, and pays 40 bps × €100k = €400 to Advanta. No monthly fee in Tier 2. No setup. Pay-per-deal.
What is the white-label exactly?
Your UI, your domain (factoring.yourbank.com), your brand. Advanta is invisible infrastructure. Your company customises: colours, logo, copy, UX flows, transactional emails, support. We orchestrate: Score, ERP sync, settlement, compliance, e-invoicing.
Do you compete with banks? Will you originate directly?
No. The Advanta model is 100% B2B2C through partner banks. We never originate without a partner bank taking the risk. Our strategy is to be the "Stripe of factoring", infrastructure, not the end client. The non-compete clause is explicitly in the partnership contract.
What SLAs do you offer for Tier 2/3?
Tier 2: 99.5% uptime, 8h response, 5d resolution. Tier 3: 99.95% uptime, 1h response in business hours, 4h out of hours, 24h resolution. Standard penalty clauses.
Can I see the roadmap before signing?
Yes, it is public. It honestly shows the status of each country (in production · beta · scaffolded), each ERP (live · roadmap · gap) and each compliance milestone. Quarterly review with partner banks above Tier 2.

Ready to distribute digital factoring?

Book 30 min with Diogo. Platform demo in a sandbox, architecture walkthrough and a proposed partnership tier based on your volume and roadmap.

Book 30 min · partnership inquiry ↗