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    Reverse Factoring

    Finance payments or collect on invoices early.

    • It lets customers finance payments and collect early on their invoices.
    • It can also help you spend less time on administrative tasks.

    The 2 sides of reverse factoring

    • Advantages for customers that use reverse factoring
      Through reverse factoring, BBVA can pay your supplier on the agreed date, or offer to pay it in advance. Plus, if you need it, when that date arrives, you can defer the payment (BBVA will pay the bill and defer your payment).
    • Advantages for suppliers
      If you are a supplier and you want to get paid without having to wait 60 or 90 days, you can do this through your client's reverse factoring. How is it done? BBVA will pay it in advance, minus an amount for fees and interest

    This example will make it clear

    • An electric car company opens a reverse factoring facility. In February, it buys parts from 2 different suppliers and agrees to pay both invoices within 90 days.

      One of the parts manufacturers prefers not to wait, so through the reverse factoring of the electric car company, it gets paid early in exchange for an amount that includes fees and interest. 

      The other manufacturer decides to wait 90 days. The payment comes due and the electric car company decides to defer the payment, meaning BBVA pays the manufacturer and defers that payment for the electric car company.

       

       
    Online banking speeds up the work of both parties involved: help managing payments and advances.

    How it works

    • Reverse factoring offers possibilities for the customer who contracts the service and its suppliers; it has 2 sides, so to speak. This is a summary of how it works:

      • A company opens a reverse factoring facility for a given amount.
      • This company uses it to manage payments and to defer them if needed.
      • This company's suppliers can get their invoices paid early through this reverse factoring facility (after accepting the terms and conditions of a contract).

      The different uses of reverse factoring provide liquidity at key times.

    Are you interested in requesting a reverse factoring facility?

    From here you can send a form to have us call you to explain the details and, if you are interested and it's viable, open a reverse factoring facility.

    Apply

    Would you like more information?

    Do you want to get an invoice paid early?
    Find out if your customer has a reverse factoring facility and, if so, request payment in advance through its reverse factoring. If not, you have other options, such as factoring, for example.
    More information on factoring

    Be a BBVA customer.

    • At BBVA, we want to help you grow your business by offering the financing you need.
    • We are working to make your life a little easier with our digital solutions.
    • Our approach is based on transparency, clarity and responsibility.
    Reverse Factoring
    Apply