Pay your suppliers early in exchange for a small discount and capture up to 5.4% net annualised. It's your own treasury at work: no credit, no bank, no balance-sheet impact.
No cardNo monthly feeConnected to your ERP
Calculator no sign-up
Adjust the accounts-payable volume, the average term and the discount offered. See the yield in real time.
NET ANNUALISED YIELD · VS 2.0% ON A DEPOSIT
A 30-minute diagnostic. We share a projection with the company's real numbers, in a board-ready PDF.
How it works three steps, a single ledger
The mechanics are simple and every step stays auditable. No credit, no bank.
The platform proposes paying the invoice earlier, in exchange for a small discount. The supplier accepts or declines invoice by invoice, and the difference is yours. No implementation cost, no debt.
Request access →Every supplier has an Advanta Score from 300 to 850, computed from 57 indicators over ERP data and public sources. The right offer, to the right supplier, without spreadsheets.
Offer, acceptance and payment sit in a write-only ledger, hash-chained together. The SEPA pain.001 file is generated and mod-97 validated, ready for the bank portal.
How we guarantee the audit trail →The model own capital, not credit
Dynamic discount is neither a loan nor a bank product. It uses the liquidity you already have, so it doesn't touch the balance sheet or go through a credit committee.
No credit. You pay with your own treasury. No interest, no financier.
Zero debt. It doesn't hit the balance sheet or a risk committee. Nothing to approve.
Revocable. You decide invoice by invoice. You only keep the proposals that make sense.
CSRD data. Every early payment generates value-chain datapoints, ready for reporting.
Price you only pay on what you capture
No monthly fee, no minimums, no implementation cost. There's only an invoice when there's captured yield.
Advanta keeps 15% of the discount captured. Your company keeps the other 85%. Only on the yield actually generated.
No implementation (vs €80k to €250k for legacy systems), no monthly fee and no minimums. Connect the ERP and get going.
Connect the ERP and see the idle liquidity in minutes. No card, no monthly fee.
Request access →reply within <1 business day · diogo@advanta.pt