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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35-50dWholesale DSO
30-45dAverage DPO
30-60dDIO (stock)

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

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.

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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