Factoring and confirming deals,verified before they reach you.

Q: Who bears the credit risk?

The funding 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.

Q: Where is the data? Hosted in the EU?

Yes. Data at rest lives in Supabase eu-west-1 (Ireland, on AWS); there is no cross-region failover today. AES-256 at rest, TLS in transit. For DORA (EU Regulation 2022/2554) a vendor pack states every control with its status. Programme events carry a SHA-256 hash and are anchored daily.

Q: How does it start?

A buyer programme starts as a pilot. The buyer’s invoices come in through a direct connection to its accounting software or a file upload, suppliers join by invitation, and your credit team sees every deal with its certificate from the first approval.

Q: How is Advanta paid?

A share of funded volume , paid by the funder and only on what is funded. Suppliers never pay a fee, and there is no setup fee.

Q: Do the clients I bring stay mine?

Yes. The companies you invite are marked as yours, and the database routes every request from them to you alone; you see the clients you brought. Advanta runs the score, the invoice intake (a direct connection or a file), the certificate and the payment instructions underneath.

Q: Do you compete with banks? Will you originate directly?

No. Advanta works only through banks and funders: we never originate without a funder taking the risk. We are infrastructure, not the lender, and a non-compete clause can be written into the partnership contract.

Q: Can I see the roadmap before signing?

Yes. What has shipped is in the public changelog , the platform’s state is on the status page , and the plan for your programme is set out in the pilot proposal.

Advanta originates factoring and confirming for banks and funders. Companies bring their invoices through a direct connection to their accounting software (22 a company can switch on in the app today, from TOConline and Holded to SAP and Business Central), or a file upload. The platform scores each deal and records the debtor’s acknowledgment or the buyer’s approval as evidence; your credit team decides and your capital funds. Companies in all 21 euro-area countries can join today.

Partnership inquiry → See the certificate

Your capital, your credit decisionClosed loop · your clients, only to youNo balance sheet on our side, ever

funders.advanta.capital / programmesfunder portal⌘K

Programme · Meridian Foods · one name to underwrite

Funded this month1 240 000 €

Suppliers paid63

Certificates verified63 / 63

Cost to the buyer0 €

Ready to fund

FT 2026/0421 · Northgate Metalworks · 100 000 € · certificate recomputed ✓

Invoice	Supplier	Certificate	Amount
FT 2026/0421	NMNorthgate Metalworks	match · sha256/v1	100 000 €
FT 2026/0398	PSPennine Spinning	match · sha256/v1	84 237 €
FT 2026/0415	SPSevern Packaging	match · sha256/v1	112 418 €
FT 2026/0432	APAshcroft Paints	approved · awaiting supplier	52 019 €

Illustrative data, fictional companies

1 nameto underwrite per programme

34 + 16direct connections and file formats

sha256/v1certificate on every deal

0balance sheet on our side

closed loopyour clients, routed only to you

[01] For banks & treasury

Underwrite the debtor. Fund with the evidence in hand.

In factoring, a company assigns you its invoices, and Advanta notifies each debtor and records its acknowledgment. In confirming, a large buyer approves the invoices it will pay anyway, and every supplier in its base can take early payment. Either way you fund against a debtor you can underwrite, not only against each SME’s balance sheet, and you keep the client, the capital and the yield.

Your clients stay yours. Your team on the decision.

The companies you invite are marked as yours, and the database routes every request from them to you alone. Your credit team decides, your capital funds, you set the price, and the yield stays yours. Advanta runs the programme underneath.

Revocable, EU-hosted →

Closed loop · your bankper client

Routingonly to you

Clients you invitemarked as yours

Credit decisionyour team

Capital and yieldyours

The controls a credit desk needs, already built.

Per-debtor and per-seller credit limits, enforced by the platform. Offers that expire (7 days by default) and can be renewed. A funder API for requests, decisions, limits and statements. An evidence certificate of each debtor’s acknowledgment, with IP address and time. A credit report and risk analysis on every deal. All of it in your team’s language, because the funder portal runs in 7 languages: Portuguese, Spanish, English, French, German, Italian and Dutch. KYB/AML, GDPR and DORA controls are stated with their status in the vendor pack, under NDA.

The security posture →

Funder portal · controlsper funder

Credit limitsper debtor · per seller

Offers7 days by default · renewable

IntegrationAPI · a key per funder

Languages7 · PT ES EN FR DE IT NL

[02] Architecture

Your bank is the balance-sheet layer. We are the rail.

We do not lend. We do not hold capital. We do not take the risk. We are the software that turns companies’ invoices into factoring and confirming deals you can check, and brings each one to you with its evidence.

Companies

SMEs that sell on credit, and large buyers with their suppliers

34 connections or a file16 file formats21 euro-area countries

Advanta · platform

Score · KYB · credit report · certificate

invoice datasha256 certificateEU-hostedclosed loop

Your bank

Your clients, your decision, your capital

credit decisionyieldclient

EU hostingAES-256 at restrow-level security16 file formats34 direct connectionsSHA-256 event log, anchored daily

In numbers

The truth is in the numbers.

Every figure here is checked against the live platform.

59named checks on every invoice in a request, each result recordedFive of them ask an authority.
27signed webhook event types for your own systemsEach delivery signed and retried for 24 hours.
4official sanctions lists (EU, UN, UK, US), refreshed daily
21euro-area countries where companies can sign upFinancing only from a funder licensed there.
33countries where your customers can beAnywhere in the EU, and in the UK, Switzerland, Norway and the US.
308Portuguese municipalities registered as public buyersFunding needs the commitment number.

Revenue model

Paid by the capital side.

No setup fee. No fee to suppliers, ever. You pay only on what is funded.

Origination

On funded volume

Deals arrive scored, checked against the invoice data and carrying the debtor’s acknowledgment or the buyer’s approval. Advanta is paid only on what you fund.

Who paysthe funder

How much% of funded volume

Talk to us

Dynamic discount

The buyer’s own cash

When a buyer pays early with its own cash, it keeps the whole discount. Advanta charges nothing for it.

Who paysnobody

How muchfree

Talk to us

[03] 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 at rest and TLS in transit. The DORA vendor pack (EU Regulation 2022/2554) states each control with its status.

Security posture

Row Level Security on every table, secrets in Vault, SHA-256 on every programme event, with a daily anchor. The DORA vendor pack states every control with its status, under NDA.

No banking licence

Software vendor; not a regulated entity. Advanta holds no financial licence, moves no client money and takes no balance-sheet risk. We are not a credit institution.

FAQ Questions C-levels ask us

Before a first programme.

What is the acceptance certificate?

When the buyer approves an invoice, or a debtor acknowledges a notice of assignment, the platform writes it down: which user approved and when or, for a debtor, when, from which IP and with which single-use token. Both records are fingerprinted with sha256 over four fields. Your portal recomputes the fingerprint itself; so does the evidence pack. How it works →

Why is the buyer’s approval enough to fund against?

Because it turns a small company’s credit question into a large company’s payment promise. The buyer has already decided to pay, and on what date. You underwrite that one name, once, and every supplier in its base can be paid early against it. The buyer programme →

Who bears the credit risk?

The funding 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. Data at rest lives in Supabase eu-west-1 (Ireland, on AWS); there is no cross-region failover today. AES-256 at rest, TLS in transit. For DORA (EU Regulation 2022/2554) a vendor pack states every control with its status. Programme events carry a SHA-256 hash and are anchored daily.

How does it start?

A buyer programme starts as a pilot. The buyer’s invoices come in through a direct connection to its accounting software or a file upload, suppliers join by invitation, and your credit team sees every deal with its certificate from the first approval.

How is Advanta paid?

A share of funded volume, paid by the funder and only on what is funded. Suppliers never pay a fee, and there is no setup fee.

Do the clients I bring stay mine?

Yes. The companies you invite are marked as yours, and the database routes every request from them to you alone; you see the clients you brought. Advanta runs the score, the invoice intake (a direct connection or a file), the certificate and the payment instructions underneath.

Do you compete with banks? Will you originate directly?

No. Advanta works only through banks and funders: we never originate without a funder taking the risk. We are infrastructure, not the lender, and a non-compete clause can be written into the partnership contract.

What service levels do you offer?

No uptime commitment is offered today: the platform runs in a single region with provider-level backups and no external uptime monitor. Support terms are agreed per contract, and every control is stated with its status in the DORA vendor pack, available under NDA.

Can I see the roadmap before signing?

Yes. What has shipped is in the public changelog, the platform’s state is on the status page, and the plan for your programme is set out in the pilot proposal.

Fund factoring and confirming with the evidence attached.

Partnership inquiry

Thirty minutes with our team: a sandbox demo of the funder portal, the buyer programme and the certificate, and a proposal for a first programme.

Book 30 min ↗

See the certificate

The document on every deal, recomputed by your own portal.

How it works →

reply within <1 business day · diogo@advanta.pt