Working capital for your industry.
Every sector has its own cycle: long payment terms in construction, thin margins in retail, retentions in technology. Factoring, confirming and dynamic discount, calibrated to the risk profile and cadence of your industry.
No cardNo monthly feeStarts from your invoices
3 sectors with more on the way
Calibrated to the cycle of your industry.
The risk analysis takes your sector into account: the same product, read against your payment terms, your customers and your seasonality.
01 · Construction & public works
Long chains, many suppliers.
Long payment terms, retentions, progress certificates, subcontractors who accept a discount to get paid earlier. The setting where working capital makes the biggest difference.
- Confirming on subcontractors
- Factoring with parameterised retentions
- Dynamic discount on certified suppliers
02 · Commerce & retail
High volume, thin margin.
Wholesalers and retailers with seasonality, aggressive B2B terms and suppliers who offer a discount to get paid early. On a thin margin, every early-payment discount counts.
- Factoring for hospital / government / chain customers
- Dynamic discount with recurring suppliers
- Confirming for pre-season stock peaks
03 · IT & technology
B2B with long payment terms.
SaaS, integrators, agencies, technical consultancies. Annual contracts on terms, corporate or government clients, long collection cycles. Capital locked in ARR that hasn't yet paid off.
- Factoring on annual contracts billed monthly
- Confirming for cloud infrastructure and licences
- File upload from in-house ERPs and SaaS billing
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More sectors will follow, such as industry, logistics, healthcare and professional services. Tell us which is yours.
Talk to the team →reply within <1 business day · diogo@advanta.pt