We are in final talks with partner banks across Iberia. Reserve your place — the first SMEs go live in Q3 2026, with flexible lines to settle supplier invoices without straining the treasury.
In the meantime, Dynamic Discount is live today — pay suppliers early from your own cash and capture the discount.
Simulator · no sign-up
Enter the value of a supplier invoice and the extra days you want to gain. We compute the cost and the cash preserved — using the partner bank's indicative rate (0.7% per month).
The bank pays €50,000 to the supplier today. Your company repays in 60 days, at a cost of €700 (1.4% of the amount). Off-balance-sheet.
Reserve a place with this profileThe tenor you need, with the bank you choose, and no hidden costs.
Our solution
Fast, flexible credit lines to honour trade commitments and free up margin to grow.
Grow with Advanta
Pay purchases, fund campaigns, manage seasonality and decide how you repay — all in one place.
The partner bank pays your suppliers directly on the due date. Your company repays the bank later, with no impact on trade relationships or contractual terms.
Repay the bank when it makes sense for you — between 30 and 60 days after suppliers are paid. Enough time to collect from your customers before settling with the bank.
Use Confirming to keep paying on time through tighter treasury weeks. Combine it with Factoring (advancing receivables) to close the gap between collections and payments.
Bullet repayment on the agreed date, pre-set instalments, or early settlement with no penalty. Terms are presented by the partner bank before each operation.
What is confirming
Confirming — also called reverse factoring — is a financial service in which a partner bank pays your suppliers' invoices on the due date, and your company repays the bank later, typically 30 to 60 days afterwards. It lets you settle supplier commitments without immediate pressure on cash flow.
In Iberia, confirming is widely used by SMEs that need to manage supplier payment terms more effectively, particularly in long-cycle sectors such as construction, retail and manufacturing. Advanta makes the process fully digital — no paper forms, no branch meetings.
Confirming is not a loan — it is a payment-term extension intermediated by a partner bank. It does not create traditional bank debt and, in most cases, does not require personal guarantees.
Typical extension: 60 days · Indicative rate: from 2.5% · No monthly fees · Talk to us
The three parties
Three parties, one straightforward process. Here is exactly how it works.
Has supplier invoices to settle. Submits them through Advanta and obtains a term extension — the bank pays on your behalf today, the company repays up to 60 days later.
Receives the operation through the Advanta platform, approves it, pays the supplier on the agreed date, and collects repayment from the buyer at maturity.
Is paid on time — or can take payment early on favourable terms. No extra paperwork for the supplier. The trade relationship is left intact.
How it works
Connect your ERP (SAP, NetSuite, Sage, Microsoft Dynamics, Xero) and import purchase invoices automatically. Our AI extracts the data in seconds.
Select the purchase invoices. The bank pays your suppliers directly.
Repay the bank up to 60 days later. No impact on the relationship with your suppliers.
Why digital confirming
The bank pays at maturity. Suppliers are satisfied. The trade relationship strengthens.
+60 days of free cash flow. Invest, pay salaries, buy stock — without the pressure.
End-to-end digital process. No meetings, no paper forms. The decision lands by notification.
SAP, NetSuite, Sage, Microsoft Dynamics 365, Xero. Supplier invoices import automatically — no manual data entry.
Confirming does not show up as traditional bank debt. Financial ratios improve.
Your suppliers get a dedicated portal to view payments and accept early settlement.
A two-sided benefit
Confirming is the rare financial product that creates value on both sides of the transaction.
The traditional process means branch visits and weeks of waiting. Advanta decides in 48 hours, online, without leaving the office.
Get started with Confirming →Traditional bank confirming requires an existing account, an annual contract and an in-branch presence. Advanta strips that out: decision in 48 hours, fully online, no prior banking relationship needed.
Reserve a place →Digital confirming vs. traditional process
| Criterion | Advanta Confirming | Traditional bank confirming | Working-capital loan |
|---|---|---|---|
| Time to decision | 1–2 business days | 1–3 weeks | 2–6 weeks |
| Process | Fully digital, no meetings | In-branch + paperwork, multiple steps | Forms, paper, branch visit |
| Cost | 2.5% flat per operation | Variable rate + commissions + charges | Interest rate + commissions + other charges |
| Arrangement fee | None | Typically €100–500 | Typically €100–500 |
| Minimum contract | No commitment required | Typically 1 year | 12–36 months |
| Existing banking relationship | Not required | Usually required | Usually required |
| Term extension | Up to 60 days | Variable | Variable |
| Cost transparency | One flat fee, no surprises | Multiple cost components | Complex and variable |
Illustrative comparison. Actual terms depend on the company profile and the specific operation.
Frequently asked questions
Confirming is a financial service in which a partner bank pays your suppliers' invoices on your behalf, and your company repays the bank later. It lets you honour supplier commitments without immediate pressure on the treasury — typically with 30 to 60 days of extra term. It is regulated and widely used across European SMEs.
Factoring is about being paid earlier: your company advances the value of invoices issued to customers. Confirming is about paying later: the bank pays your suppliers and gives you extra time to repay. Factoring solves the receivables problem; confirming solves the payables problem. Used together, they close the liquidity gap between collections and payments.
Using the platform is free. The financial terms — interest rate, amount and tenor — are set by the partner bank and shown before each operation so you can decide with full information. There are no monthly fees, no joining fees and no fixed costs. You only pay when an operation is approved and drawn.
On the contrary — confirming strengthens the supplier relationship, because they are paid on the agreed date or even earlier. The supplier can choose to be paid early or wait for the original due date. Your company gains extra time without harming the supplier.
No. Advanta connects to the ERP you already use — SAP, NetSuite, Sage, Microsoft Dynamics or Xero. Supplier invoices import automatically. For PDF or paper invoices, our AI extracts the data in seconds. Submitting an operation takes less than five minutes.
No. Suppliers don't need to register to receive payment. The bank pays directly into the supplier's account. If the supplier wants to take payment early, they can log in to the supplier portal — but that step is optional.
Confirming gives your SME negotiating power: you settle suppliers on the agreed date but extend the internal payment term by up to 90 days. Suppliers don't wait — they can take payment earlier if they choose. Everyone wins.
Get started today
Submit your first confirming operation in under five minutes. The platform is free — you only pay when an operation is approved.
Reserve a place →Free to register · No commitment · GDPR
Need factoring rather than confirming? Read more →
New to confirming? Read the full guide → · 7 ways to improve your treasury → · For trading companies