Master your SME's treasury.
Free calculators, guides and benchmarks to diagnose and improve your company's working capital. No sign-up, instant results.
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Answer 13 questions and get a financial-health score of 0–100, a diagnostic across 3 dimensions and the most urgent action priorities for your company.
Tools individual
To dig deeper into a specific metric.
Already know what you want to analyse? Pick the tool directly.
DSO Calculator
How long does your company take to get paid after invoicing? Compare it with your sector's benchmark.
Benchmarks by sector included Calculate DSO → LiquidityDPODPO Calculator
Are you making good use of your suppliers' credit? Calculate your average payment term.
Ideal: 30–45 days · Risk: +60 days Calculate DPO → LiquidityFMWorking Capital
Do you have enough capital for day-to-day operations? Calculate your company's current liquidity.
Healthy ratio: ≥ 1.5× Calculate → ProfitabilityBEBreak-Even Point
At how many units and what revenue do you start turning a profit? Calculate your operating break-even.
Break-even in units and in euros Calculate → FinancingF/OFactoring vs Overdraft
Which financing is cheapest for your company? Compare the real cost of each option.
The real cost of each, side by side Compare → RightsJMLate-Payment Interest
Calculate the interest and fixed compensation you can charge on late B2B payments, with the rule of each of the 21 euro-area countries.
21 countries · each law's own rule Calculate → Financial structureAFFinancial Autonomy
Assess the soundness of your financial structure: autonomy, charge coverage and undercapitalisation risk.
Healthy benchmark: ≥ 30% equity Calculate → Operational efficiencyPMIAverage Inventory Period
How long is your money tied up in stock? Spot excess inventory and its opportunity cost.
Benchmark: 30–45 days · Risk: +90 days Calculate → Commercial riskCCCustomer Concentration
Assess how dependent your portfolio is. A customer accounting for over 30% of revenue is a strategic risk.
High risk: 1 customer > 30% of revenue Analyse → SustainabilityESGESG Calculator
Assess your SME's Environmental, Social and Governance performance. Score 0–100 with tier and improvement plan.
Based on the VSME standard (EFRAG) · Free Calculate ESG →The 8 financial mistakes that destroy Portuguese SMEs
From undercapitalisation to dependence on a single customer: the most common risk patterns and how to avoid them.
Why financial literacy
The financial literacy Portuguese SMEs deserve.
Many SMEs don't have the financial-diagnostic tools that large companies use every day.
It is Advanta's ESG commitment: to democratise financial knowledge, so every manager makes better decisions, with or without our service.
Diagnose
See where the company stands today with objective, comparable metrics.
Learn
Understand what each metric means and how the best managers use them.
Act
Practical recommendations, and financing from banks and funders to carry out the improvements.
Measure
Track progress and prove the impact of your decisions over time.
Cases illustrative
The impact in practice.
Illustrative examples built on typical profiles of Portuguese SMEs: what factoring and confirming could change. Not real customers.
Public works with invoices to municipal councils. With factoring, the company could get paid in 1 to 2 business days after the funder approves, whatever the public-sector terms. Capital that could be freed up: €180k.
FactoringA distributor with 30 suppliers, paying them ahead of term. With confirming, it could stretch its terms to 82 days while a bank or funder pays the suppliers on time. Extra cash it could keep: €95k.
ConfirmingCustomers paying at 90 days while salaries and rent fall due at 30. Factoring could turn working capital positive within weeks, without a bank loan.
FactoringIllustrative examples, not real customers. Results depend on each company's risk profile and on the funder's offer.
Self-diagnostic warning signs
Does your company show any of these signs?
Positive results do not guarantee financial health. These are the most common risk patterns in Portuguese SMEs.
Do customers pay in more than 60 days?
Locked-up capital finances your customers, not the business.
See the calculator →Do you pay suppliers before collecting from customers?
A treasury gap that worsens as you grow.
See the calculator →Is working capital negative or close to zero?
An inability to absorb operational shocks.
See the calculator →Do you depend on one customer for over 40% of revenue?
A drop in orders could be fatal for liquidity.
See the calculator →Do you use an overdraft to pay salaries or suppliers?
A clear sign of a structural treasury mismatch.
See the calculator →Are sales growing but cash not keeping up?
Growth without liquidity accelerates the risk of insolvency.
See the calculator →Do you have invoices overdue by more than 90 days uncollected?
Every extra day costs legal late-payment interest and credibility.
See the calculator →Is your financial autonomy below 30%?
A company overly dependent on outside financing.
See the calculator →Guides practical
Articles on financing and treasury.
Detailed explanations, jargon-free, with steps you can apply this week.
How it works, costs, types and how to start.
Complete guideWhat is confirming?Pay suppliers with extra term.
Practical guide7 ways to improve your treasuryStrategies you can put in place this week.
Practical guideCustomers not paying invoices?5 solutions to protect your treasury.
ComparisonEvery financing optionFactoring, confirming, loans, leasing and more.
Regulation · SpainThe B2B e-invoicing mandateWhat Crea y Crece means for large buyers, and how to get ready.
Regulation · EuropeE-invoicing mandates, country by countryFrance, Germany, Belgium, Italy and Poland: the dates, from the official sources.
Market · SpainConfirming in Spain, in figures€270bn ceded in 2025, according to the AEF. The numbers, and what they mean for a buyer.
Newsletter The SME Pulse
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Request access → Explore the live demo →reply within <1 business day · diogo@advanta.pt