Get paid sooner · Factoring
Due in 60 days.Paid in days.
Assign a customer invoice to a bank or funder and get most of the value 1 to 2 business days after the funder approves. On the due date, the customer pays the bank. The cost shows before you confirm, invoice by invoice.
No cardNo monthly feeStarts from your invoices
Simulator no sign-up
How much do you get for the next invoice?
Pick the amount and the term to maturity. See how much you get 1 to 2 business days after the funder approves, and what it costs.
Your invoice
Estimated result
YOU GET IN DAYS, NET · INSTEAD OF WAITING 62
Illustrative example with an indicative rate. The funder sets the final rate and says whether the offer is with or without recourse. No onboarding fee.
How it works the invoice becomes liquidity
From invoice delivered to money in the account.
You sold and delivered. Instead of waiting 60 days, the money comes in within days and collection passes to the bank.
Assign the invoice, get most of it in days.
Once the funder approves, the eligible invoice is advanced in 1 to 2 business days: usually 90 to 95% of the value, as the offer states. The rest, minus the bank's fee, arrives when the customer pays. Advanta is free for you.
Request access →Recourse, stated up front.
With or without recourse: the funder's offer says which, before you accept. With a non-recourse offer, the risk of the customer not paying passes to the funder, and the invoice can come off your balance sheet.
See how we validate the risk →The best rate, compared on one screen.
When several banks and funders are live, compare their offers on the same screen. The funder decides, and you see every offer before you accept.
See the price →The model who funds the invoice
Invoices turn into money in days.
The bank advances most of the invoice and collects from the customer on the due date. The company grows at its own pace, with money landing in days and collection handled by the bank.
Liquidity in days. Get most of it 1 to 2 business days after the funder approves, without waiting for the customer's term.
Collection by the bank. On the due date, the customer pays the bank. With or without recourse: the funder's offer says which, before you accept.
Nothing to retype. Invoices come from your accounting software or a file upload, already checked and ready to assign.
You choose the financier. Banks and alternative funders on the same screen, each with its own offer.
In numbers
The truth is in the numbers.
Every figure here is checked against the live platform.
- 33countries where your customers can beAnywhere in the EU, and in the UK, Switzerland, Norway and the US.
- 22accounting programs you can connect from the appAny other program: upload a file.
- 16invoice and accounting file formats read on uploadSAF-T, Facturae, UBL, FatturaPA and more.
- 59named checks on every invoice in a request, each result recordedFive of them ask an authority.
- 8,228Spanish local entities with their official payment periodFrom Hacienda, matched by tax number.
Price Advanta is free for you
For you, our commission is zero.
The bank is the one who pays us. You get its market rate, with no Advanta margin, and compare several offers on the same screen.
We bring the bank invoices already checked against your accounting data and scored. It pays us for that, and for you the Advanta cost is zero.
The bank charges for the money it advances, as in any factoring. The rate is theirs, indicative, and always shown before you confirm.
Bank-detail change shield
Before you pay a supplier, a changed account is checked.
A payment to a supplier account you have not paid before, or that the supplier has not confirmed, waits for one confirmation before it can go into your payment file. On for every company, at no cost.
How the shield works →Start with the next invoice.
Get paid in days what your customers owe you. Request access and we reply within one business day, with no card and no monthly fee.
Reply within one business day · diogo@advanta.pt