Sectors / IT & technology

Sector 03 IT & technology

Factoring and confirming for IT & technology.

Corporate clients pay in 60-90 days. Your team needs payroll every month.

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45-65dDSO in IT
50-70%gross margin
#1cost: payroll

The challenge

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

The solution

With factoring, advance project invoices and outsourcing contracts in 24-48 hours. With confirming, defer payment of licences and cloud suppliers.

Sector figures

  • Average DSO in the IT sector: 45-65 days
  • Typical gross margin: 50-70%
  • Main cost: payroll (does not appear on purchase invoices)

How Advanta adapts to your sector

The IT sector has a typical PMR of 30-50 days and a gross margin of 50-70%. Advanta adjusts its risk analysis for services — payroll costs do not appear on purchase invoices, so the margin proxy underestimates the real margin.

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 in 24-48 hours.
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Put your sector's treasury to work.

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