Reverse Factoring

Simplify the management and financing of your company.

  • Spend less time on administrative management.
  • Finance your payments and let your suppliers collect in advance.
  • Get favorable conditions for early payment.

Advantages for you

  • Less administrative management
    Instead of processing all your invoices yourself, we'll take care of paying your suppliers on the exact date.
  • You can finance your payments
    BBVA can pay your supplier and finance the repayment. The interest rate will be whatever you negotiated with your adviser.

Advantages for your suppliers

  • They can advance collections

    If you pay at 90 days, for example, your supplier may want to advance the collection. In this case, the bank pays in advance in exchange for a fee (which is paid by your customer).

     
  • No increased exposure
    Every company has a certain amount for financing based on a risk estimate. Any other financing "consumes" part of that risk, but if they make an advance payment through your reverse factoring line, this doesn't happen.
With BBVA Net Cash, you can get advances, make payment orders, queries and calculations.

Negotiate better conditions

  • It's a win-win for both parties
    If you make it possible for a supplier to collect earlier, you may be able to negotiate more favorable prices.
  • Maintain liquidity
    Using reverse factoring, you can order BBVA to pay a supplier and finance the repayment. This way, you retain your capital for other possible operations.

Are you interested?

Visit one of our branches or contact your personal adviser. Once approved, you will be able to use reverse factoring from BBVA Net cash, the online bank for companies.

Would you like more information?

You might also be interested in

  • Liquidity at times of greater outgoings or less business. You only pay for what you use, with no interest or cancellation penalty.
  • Receive in advance any debts that others owe you. At BBVA we manage your commercial loans.
  • Obtain liquidity to securely develop your sales plans internationally.
See more financing

Be a BBVA customer.

  • At BBVA, we want to help you grow your business by offering the financing you need.
  • We are leaders in digital innovation working to make your life that bit easier.
  • We believe in doing things a transparent, clear and responsible way.
  • At BBVA, we want to help you grow your business by offering the financing you need.
  • We are leaders in digital innovation working to make your life that bit easier.
  • We believe in doing things a transparent, clear and responsible way.

Add your banks to the BBVA app

Discover BBVA One View

Add and manage all your business bank accounts in one place.

Manage all your accounts, make better decisions, and save time for your business.
Manage all your accounts, make better decisions, and save time for your business.

Your other banks

Add your other banks to the BBVA app.

View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.