Sectors / IT & technology

Sector 03 IT & technology

Factoring and confirming for IT & technology.

Corporate clients often pay at 60 or 90 days. Your team needs payroll every month.

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1–2business days to get paid, after a funder approves
EUyour customers can be anywhere in the EU
#1cost: payroll

The challenge

IT companies have high margins but tight cash flow. Projects with corporate clients mean large invoices on 60 or 90-day terms. Meanwhile, payroll, SaaS licences and infrastructure don't wait.

The solution

With factoring, advance project invoices and outsourcing contracts: once a bank or funder approves, the money arrives in 1 to 2 business days. With confirming, defer payment of licences and cloud suppliers.

What shapes the sector

  • Receivables: large project invoices to corporate or public clients, on long terms
  • Margins: healthy on paper, tight in cash
  • Main cost: payroll (does not appear on purchase invoices)

How Advanta adapts to your sector

IT is a services business. Advanta adjusts its risk analysis for services: payroll costs do not appear on purchase invoices, so a margin read from invoices alone would understate the real margin.

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