Invited by a customer?Get paid in days, not months.
A customer that runs its payables on Advanta can offer you early payment on invoices it has already approved. You join with its invitation, choose which invoices to bring forward, and a bank pays you, 1 to 2 business days after it approves. Advanta charges you nothing.
Join by invitation0 € from AdvantaNot a loan
FT 2026/0421 · 100 000 € · due D+60 → receive early 98 800 €
| Invoice | Due | Status | Receive early |
|---|---|---|---|
| FT 2026/0421 | D+60 | offered | 98 800 € |
| FT 2026/0398 | D+45 | accepted | 83 300 € |
| FT 2026/0377 | D+30 | paid D+5 | 61 200 € |
| FT 2026/0362 | D+30 | declined · paid at maturity | - |
Illustrative data, fictional companies
[01] How it works
Four steps. No paperwork after the first one.
Your customer already said yes to the invoice. That is what makes the money move faster: the bank funds against your customer’s approval, not against your balance sheet.
[02] What it costs, and what it does not
The discount is on the screen. Advanta’s fee is not, because there is none.
The bank sets a market rate for paying you early; it is shown as a discount on the invoice before you accept. Advanta is paid by the financier, never by you.
The financier pays Advanta on funded volume. You see the bank’s discount, and nothing else.
Your customer’s acceptance stands behind it. No credit line in your name. With or without recourse: the bank’s offer says which, before you accept.
Accept the ones you want brought forward; leave the rest to their normal date.
The programme is theirs; you keep selling on the terms you agreed. Your customer pays the bank at maturity.
Connect your accounting software or upload your invoices as a file, and finance your own book. Factoring →
[03] Why the money arrives faster
The bank is not judging you. It is reading your customer’s approval.
Traditional invoice finance prices the risk that a small company will not survive. Here the risk is that a large buyer will not pay what it has already approved, in writing, on a date it chose. That is a different question, with a different price.
The certificate the bank reads →FAQ Questions suppliers ask us
Before you accept your first offer.
Have an invitation? Join now.
Open the supplier portal
In your language. NIF, IBAN, a sanctions screen, and your first offers.
Join ↗No invitation yet?
Ask your customer to start a programme, or request access to finance your own receivables: connect your accounting software or upload your invoices as a file.
Finance my own invoices →in your language · diogo@advanta.pt