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.

Would you like more information?

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Be a BBVA customer.

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