Pricing aligned with you →

Advanta only wins when you win.

On dynamic discount, we keep a share of the yield you capture. On factoring and confirming we charge you nothing: the financier is the one who pays us. No monthly fee, no minimums, no onboarding.

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No cardNo monthly feeConnected to your ERP

● Revenue engine

Dynamic Discount

Put idle treasury to work, with your own capital.

15%
of the discount captured
Who pays: your company, only on the yield generated. You keep 85%.
  • You only pay on the yield you capture
  • No monthly fee and no minimums
  • 0€ onboarding
  • Your own capital, no debt on the balance sheet
See dynamic discount
Free for you

Factoring

Get today what only falls due in 60 days.

0 €
of Advanta commission
Who pays: the financier. You get their market rate, with no markup from us.
  • Advanta charges you nothing
  • The financier's rate directly, no costly intermediation
  • Compare offers and pick the best funder
  • No onboarding fee, no minimums
See factoring
Free for you

Confirming

Extend terms without squeezing suppliers.

0 €
of Advanta commission
Who pays: the financier. You get their market rate, with no markup from us.
  • Advanta charges you nothing
  • The financier's rate directly, no costly intermediation
  • Suppliers always get paid on time
  • No onboarding fee, no minimums
See confirming

How we're paid aligned incentives

We never win at your expense.

There are only two ways Advanta makes money, and neither of them is a monthly fee. In both, our interest is the same as yours.

Always included in every product

The whole platform, no extras.

Every product shares the same infrastructure. There are no modules to buy and no features locked behind a plan.

15 ERP connectors

Primavera, PHC, TOConline, SAP, Sage, NetSuite, Dynamics and more.

Advanta Score

57 indicators per counterparty, deterministic and reproducible.

WORM audit

Write-once log, hash-chained, 10-year retention.

APIs & sandbox

Score, offers and payments per endpoint, keys in minutes.

Treasury dashboard

Consolidated position, average cost and what's due, live.

ISO 20022 · GDPR · SOC 2

Native pain.001, data in the EU, SOC 2 Type I observation under way.

Questions about the price

What's good to know first.

How much does Advanta charge me?
On dynamic discount, we keep 15% of the discount you capture, and you keep the other 85%. On factoring and confirming, Advanta charges you nothing: our commission to you is 0€. It's the financier who pays us for bringing them origination that's already scored. There's never an invoice for being signed up.
If factoring and confirming are free, who pays Advanta?
The financier. We bring the bank or funder requests already verified by the ERP and scored by the Advanta Score, which cuts their origination and risk cost. They pay us for that. For you, Advanta's cost is zero, and since we only earn when the deal goes ahead, our interest is to secure you the best possible rate.
So is the financing really at no cost?
Advanta's commission is 0€, but the financier charges for the money it advances, just as it would in any factoring or confirming. That rate (indicatively around 1% per month in factoring and 0.7% in confirming) is theirs, not ours, and is always shown before you confirm. The difference is that you access it with no markup or costly intermediation, and you can compare several financiers on the same console.
Is there an onboarding cost or a monthly fee?
No. Zero onboarding cost (against the typical €80k to €250k of legacy systems), no monthly fee and no minimums. Connect the ERP and get started. No card to try it out.
Does dynamic discount go on the balance sheet as debt?
No. Dynamic discount uses your own treasury to pay early, so it isn't credit and doesn't go through a risk committee. There's no interest and no impact on your debt ratio. It's your money earning yield.
Do I need to switch banks?
No. Advanta connects to your ERP and works with your current banks. On factoring and confirming, you compare offers from partner banks and alternative financiers on the same console, without changing your banking relationship.

Start with no card. Pay only when there's a result.

Start free

Connect the ERP and see your position in minutes. No card, no monthly fee.

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Talk to us

A 30-minute diagnostic, with your real numbers.

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reply within <1 business day · diogo@advanta.pt