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 feeConnected to your ERP
3 sectors with more on the way
The underwriting engine is parameterised by sector — the same product, tuned to your DSO, your retentions and your seasonality.
01 · Construction & public works
Average DSO 92 days. Retentions, progress certificates, subcontractors who accept a discount to get paid earlier. The setting where working capital makes the biggest difference.
02 · Commerce & retail
Wholesalers and retailers with seasonality, aggressive B2B terms and suppliers who offer a discount to get paid early. Capturing 1–3% of spread is half the operating margin.
03 · IT & technology
SaaS, integrators, agencies, technical consultancies. Annual contracts on terms, corporate or government clients, 90–120 day collection cycle. Capital locked in ARR that hasn't yet paid off.
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Request access →Industry, logistics, healthcare and professional services open in Q3 2026. Tell us which is yours.
Talk to the team →reply within <1 business day · diogo@advanta.pt