You keep 85%.
We only earn when you do.
No monthly fee, no setup, no minimums. We only get paid on the yield you actually capture — 15% to Advanta, 85% to you. Below the market leader C2FO (15–25%).
Single model
No monthly fee, no minimums, no setup. We only get paid on the yield you actually capture.
- £0 setup · £0 monthly fee · no minimums
- Automated KYB · WORM audit log · sanctions screening
- AI invoice extraction · four-eyes approval rules
- Native ERP integration · SAP · Oracle · NetSuite · Sage · Xero · Microsoft Dynamics
- Cancel anytime · no lock-in clauses
What it costs, in practice.
Example · €100k invoice · 1.2% discount · 70-day advance
Invoice
€100,000
due D+75
Gross yield
€1,200
1.2% discount captured
Advanta cost (15%)
−€180
our share
Net to you (85%)
€1,020
5.4% net annualised
How we compare to the market.
*Estimate based on SaaS of €30–250k/year + 5–15 bps of TPV, expressed as % of yield captured in a typical €15M/month programme.
| Platform | Model | Typical take rate | Setup |
|---|---|---|---|
| Advanta | Shared upside | 15% of yield · 85% to you | £0 |
| C2FO | Marketplace fee | 15–25% of discount captured | Variable |
| Taulia (SAP) | SaaS + bps | €30k–150k/year + 5–15 bps TPV | €80k–250k |
| PrimeRevenue | SaaS + bps | €50k–250k/year + 5–15 bps TPV | €50k–200k |
Frequently asked questions
Is there a minimum volume or company size?
No. Any company can open an account at app.advanta.pt in 5 minutes, regardless of size. We charge 15% on the yield you actually capture — if you don't use it, you don't pay.
What's included?
Everything you need to start capturing yield: automated KYB, AI invoice extraction, four-eyes approval rules, sanctions screening, immutable audit log (WORM with Merkle anchoring), supplier portal, treasury and exposure dashboard. Email support with response within 24 hours.
How does bank-financed mode (bank confirming) work?
In bank-financed mode, a partner bank advances the payment to the supplier (rather than using the customer's own treasury). The bank takes on the intermediate credit; the customer pays the bank at the original maturity. Pricing: 20% on yield (your company keeps 80%), plus the bank's spread (0.8–1.2%). Ideal for companies without idle cash on hand or who prefer to keep the programme off balance sheet.
Are there hidden costs? Bank fees?
No. The payment execution costs charged by the customer's own bank (SEPA Instant, SCT, Faster Payments) stay within the usual banking structure and don't pass through Advanta. We add no markup, charge nothing per sub-processor, and there are no exit fees.
Can I cancel at any time?
Yes. Cancel with a click from the dashboard, at any time, with no penalty. Monthly, with no lock-in. Your ERP returns to the original flow in minutes — no vendor lock-in.
Ready to capture 5.4% net?
Instant access in 5 minutes · or book 30 min to see the numbers from your real AP book.
15% of yield captured · 85% to you · no monthly fee, no minimums