Factoring and confirming for retail & wholesale

The challenge

Wholesale commerce buys stock on 30-45 day terms but sells to customers who pay at 60-90 days. Capital is tied up in inventory and receivables at the same time — two cycles pulling at your treasury.

The solution

Confirming extends payment to stock suppliers by 30-120 days. Factoring advances B2B invoices from large orders. Together, they fully optimise your cash cycle.

Sector figures

Average DSO in wholesale commerce: 35-50 days
Average DPO: 30-45 days
Average DIO: 30-60 days (capital locked in stock)

How Advanta adapts to your sector

Commerce runs three cycles at once: receivables, payables and inventory. Advanta calculates the full CCC (Cash Conversion Cycle) and recommends the product mix that frees up the most cash.

How to get started

Sign upCreate your account at app.advanta.pt in minutes, no card.

Connect your ERPTOConline, Primavera, PHC GO or 8 others — the read is automatic.

See your Advanta ScoreThe risk assessment that banks and funders will see.

Submit invoices or requestsFactoring on receivables, or confirming requests to suppliers.

Receive an offerBanks and funders respond, typically within 24-48 hours.

CalcDSO calculator CalcWorking capital DiagDiagnostic PricePricing

Put your sector's treasury to work.

Start free

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

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Talk to us

A 30-minute diagnostic with your company's real numbers.

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

Factoring and confirming for commerce.