Sectors / Retail & wholesale

Sector 02 Retail & wholesale

Factoring and confirming for commerce.

You buy stock today, sell tomorrow, get paid in 60 days. Confirming closes the gap.

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1–2business days to get paid, after a funder approves
0 €monthly fee, no card
EUyour customers can be anywhere in the EU

The challenge

Wholesale commerce often pays for its stock before its own customers pay. Capital is tied up in inventory and receivables at the same time: two cycles pulling at your treasury.

The solution

Confirming gives you more time to pay stock suppliers, and the funder's offer sets the term. Factoring advances B2B invoices from large orders: once a bank or funder approves, the money arrives in 1 to 2 business days. Together, they work on both sides of your cash cycle.

What shapes the sector

  • Receivables: B2B customers who pay later than you pay your suppliers
  • Payables: stock suppliers on shorter terms
  • Stock: capital locked in inventory, with seasonal peaks

How Advanta adapts to your sector

Commerce runs three cycles at once: receivables, payables and inventory. From your invoices, Advanta measures how long your customers take to pay you and how long you take to pay your suppliers, so you can see where factoring or confirming frees up the most cash.

How to get started

Request accessTell us about your company, no card needed. The team replies within one business day.
Bring in your invoicesConnect your accounting software (34 direct connections, from TOConline and Holded to SAP and Business Central) or upload your invoices as a file: 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
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 offerA bank or funder decides. Once it approves, the money arrives in 1 to 2 business days.
CalcDSO calculator CalcWorking capital DiagDiagnostic PricePricing

Put your sector's treasury to work.

Start free

Request access, then connect your accounting software or upload your invoices to see your eligibility. 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