Advanta in Germany: what works today

What works in Germany today

Sign-upOpen

Companies based in Germany can request access now. The team replies within one business day.

FinancingLicensed funder

An invoice in Germany is financed only by a funder licensed for that market; Advanta prepares and checks the file. Ask us what is open for your company.

Your softwareToday

Connect it directly from the app:

• Billomat
• Lexware Office
• Microsoft Dynamics 365 Business Central
• Odoo
• Oracle NetSuite
• SAP Business One
• SAP S/4HANA Cloud Public Edition
• sevdesk
• weclapp

Built, and waiting for the vendor to approve it:

• Billit
• Zoho Books

Any other program: export a file and upload it. Every connection and format

Invoice filesToday

The formats used in Germany that Advanta reads: ZUGFeRD / XRechnung (CII), UBL / Peppol, DATEV booking batches and CSV or Excel from any program. 16 formats in total. To be financed, an invoice must state its due date.

Your customersToday

Your customers can be anywhere in the EU, and in the UK, Switzerland, Norway and the US.

Notice to your customerDraft

When an invoice is financed, your customer is told that it has been assigned. The notice follows the law of the invoice: under the law of Germany (§§398-413 BGB), its text is still a draft that counsel has not reviewed.

Late-payment interest10.52%

Between companies in Germany, a customer who pays late owes 10.52% a year from 1 July to 31 December 2026 (§ 288(2) BGB).

Calculate what a late customer owes you

Supporting documentsIn the app

The app lists the 5 documents companies in Germany keep on file, and Advanta staff check each one:

• Commercial register extract (Handelsregisterauszug, current print)
• Transparency register extract (beneficial owners)
• Tax certificate (Bescheinigung in Steuersachen)
• Social-security clearance (Unbedenklichkeitsbescheinigung of the health insurer)
• Published annual accounts (Jahresabschluss, Unternehmensregister)

E-invoicingGuide

What the e-invoicing mandate changes for your company

Financing in Germany

Financing in Germany comes only from a funder licensed for that market. Leave your e-mail and we will tell you what is open for your company. You can also sign up now, so your company is ready.