Pricing aligned with you →

No Advanta fee on your financing.

Dynamic discounting with your own cash is free: the whole discount is yours. On factoring and confirming we charge you nothing either: the financier is the one who pays us. No monthly fee, no minimums, no onboarding.

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No cardNo monthly feeStarts from your invoices

● Free for you

Dynamic Discount

Put idle treasury to work, with your own capital.

Free
the discount is 100% yours
Who pays: nobody. Your company keeps 100% of the discount.
  • The whole discount stays with you
  • 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 paid in days for what falls due in 60.

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
  • Offers from banks and funders in one place
  • 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 paid on the due date, by the funder
  • No onboarding fee, no minimums
See confirming

How we’re paid aligned incentives

We never win at your expense.

Advanta makes money two ways. On factoring and confirming the capital side pays us, never you. Collections is the one plan a company pays for, and it is priced with each company. Dynamic discounting with your own cash is free.

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.

34 direct connections (from TOConline and Holded to SAP and Business Central) and 16 file formats

CSV or Excel, SAF-T, e-invoices (Facturae, UBL/Peppol, CII/Factur-X, FatturaPA and more) and accounting files (FEC, DATEV, XAF). See every connection and format

Advanta Score

Six weighted dimensions from invoice and payment history, deterministic and reproducible.

Audit log

Buyer-programme events hashed (SHA-256) and anchored daily; every product keeps an audit trail.

Funder API

Each funding partner gets its own keys.

Treasury dashboard

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

ISO 20022 · GDPR

Native pain.001, data in the EU, DORA vendor pack on request.

Bank-detail change shield, for every company

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. How the shield works

Questions about the price

What's good to know first.

Is there any plan my company pays for?
One: collections, the paid layer. It is priced with each company, on the value it recovers, and agreed before you start. Dynamic discounting is free, and on factoring and confirming the financier pays Advanta, not you. Collections →
How much does Advanta charge me?
On dynamic discounting with your own cash, nothing: the whole discount is yours. On factoring and confirming, nothing either: 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. The one plan a company pays for is collections, priced with each company.
If factoring and confirming are free, who pays Advanta?
The financier. We bring the bank or funder requests already checked against the company's accounting data 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 is theirs, not ours, and is always shown before you confirm, along with whether the offer is with or without recourse. 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, no monthly fee and no minimums. Request access, then connect your accounting software or upload a file to get started. No card needed.
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 works from your invoices and alongside your current banks. On factoring and confirming, when several funders are live you compare their offers on the same console, without changing your banking relationship.

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

Start free

Request access and the team replies within one business day. No card. No monthly fee on any financing product.

Request access →

Talk to us

A 30-minute diagnostic, with your real numbers.

Book a diagnostic →

reply within one business day · diogo@advanta.pt