Reverse Factoring

Finance payments or advance the collection of your invoices

If you want to maintain your liquidity, you can finance the payments you owe to your suppliers and they will collect them in advance:

  • We pay your suppliers on the exact date or in advance.
  • You can defer the payment of these invoices.
  • Your suppliers can collect them in advance.

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.

How to request a reverse factoring advance payment?

If you are already a BBVA customer, you can apply for your Reverse Factoring advance from your online Business banking.

If you are not a BBVA customer, you can do it easily and quickly in our Reverse Factoring Space for non-customers. 

This example will make it clear

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

    One of the parts manufacturing companies 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 manufacturing company 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.

Would you like more information?

Are you looking for another kind of financing for your business?

If this is not the product you were looking for, don't worry. We'll help you choose the one that best suits your needs with our financing adviser.

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
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