One approval.Every supplier can be paid early.
You approve the invoices you will pay anyway, in Advanta, brought in from your accounting software or a file upload. Every supplier can take early payment in one click, funded by a bank or funder against your approval. You pay on the original date. Your cost is zero.
Zero cost to the buyerPayment calendar unchangedSuppliers paid in days, not at 60
Approve 12 invoices · 386 400 € · due D+60
| Invoice | Supplier | Status | Amount |
|---|---|---|---|
| FT 2026/0421 | NMNorthgate Metalworks | paid D+5 | 100 000 € |
| FT 2026/0398 | PSPennine Spinning | accepted | 84 237 € |
| FT 2026/0415 | SPSevern Packaging | approved | 112 418 € |
| FT 2026/0432 | APAshcroft Paints | approved | 52 019 € |
Illustrative data, fictional companies
[01] Why the buyer
You are the only party that knows the invoice is good.
Your supplier borrows against last year’s balance sheet to bridge the gap you created. You already decided to pay, and on what date. Advanta asks you to say so, once, in the tools you already use.
Approve in Advanta. Nothing to install.
Advanta reads your payables through a direct connection to your accounting software, revocable at any time, or from a file you upload: CSV or Excel, SAF-T, e-invoices (Facturae, UBL/Peppol, CII/Factur-X, FatturaPA and more) and accounting files (FEC, DATEV, XAF). Nothing is written back when you approve. See every connection and format
Revocable, EU-hosted →Suppliers join by invitation.
An invitation from you, a portal in their language, NIF and IBAN, a sanctions screen. Each approved invoice shows exactly what they receive if paid early, before they click anything.
What your suppliers see →The approval becomes a document.
Who approved and when, with a fingerprint the bank portal and the evidence pack reproduce independently. The paper your suppliers’ banks used to chase you for, written by the platform at the moment you approve.
How the certificate works →edf47903df0fa65294a39850f041d83f ✓ recomputed by the bank
Cash moves. Your calendar does not.
The funding bank pays the supplier early, 1 to 2 business days after it approves, minus the discount shown in the offer. You pay the bank on the original due date. Advanta is paid by the financier, never by you.
How we are paid →[02] How it works
From your invoices to the supplier’s account.
One programme, one funding line, your whole supplier base. Follow one invoice through it.
[03] What changes, what does not
Nothing changes in your payment terms. Everything changes for your suppliers.
The bank underwrites one name, yours, instead of thousands of SMEs it has never met.
| Today | With a programme | |
|---|---|---|
| Payment terms | 60 days, or what you agreed | Unchanged. You still pay at maturity. |
| Supplier paid | Day 60 to 80, after chasing | In 1 to 2 business days after the funder approves, if it chooses |
| Who funds | The supplier’s bank, against its balance sheet | A bank or funder, against your approval |
| Cost to you | Emails, calls, supplier churn | 0 € |
| Evidence | Email threads and PDFs | An acceptance certificate, sha256/v1 |
| Cash to spare | Idle at the bank | Pay early yourself and keep the discount: dynamic discounting runs on the same approval |
| The mandate | A compliance project for 2027 | Suppliers onboarded before it lands |
[04] Why now, in Spain
The e-invoicing mandate arrives next year.
Crea y Crece makes structured business-to-business invoicing compulsory, large companies first, expected from October 2027 and pending the final regulation. Every large buyer will have to ready its supplier base. A programme does that work once, and pays suppliers while it does.
Read the guide →or a file
brings in the invoices Oct 2027 · expectedLarge companies:
structured invoices LaterEveryone else
FAQ Questions treasury teams ask us
Before you start a programme.
Start with one supplier base.
Start a programme
Ninety days, one funding line, your suppliers paid in days. Thirty minutes with our team, with your real supplier count.
Book 30 min ↗See the certificate
The document your suppliers’ banks used to chase you for, written by the platform.
How it works →reply within <1 business day · diogo@advanta.pt