Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Click enter
Suggestions
    Products
    Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Branches and ATMs
    BBVA Newsroom
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Cash Management
    • Financing
    • POS terminal
    • Collected
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    Click enter
    Suggestions

      Experiences

      • Aggregation service

        If you're self-employed, you can now add your other banks to the BBVA app.

      • BBVA My Business

        Manage your everyday business operations with ease on your cell phone.

      • BBVA Company aggregator

        All your business bank accounts in the same place with the aggregation service.

      Accounts for self-employed workers and companies

      New bank, zero fees on the usual services. Whether you are self-employed, a SME or a company, a new bank has many advantages.

      No fees for the first 12 months for new registrations of self-employed workers or companies with a turnover of more than 5 million euros.

      More information
      Branches and ATMs BBVA Newsroom
      Access Access Access
      • Español
      • Català
      • English
      • Galego
      • Euskara
      Become a customer
      ADVERTISING
      MM/DD/YYYY

      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.
      Apply

      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?

      Yes. Plus, the reverse factoring service can be used to make payments in all the leading currencies.

      If the supplier's invoices are paid early, they will receive a transfer to the account provided. If it decides to wait until each invoice is due, via transfer (if we have the account) or check.

      To make sure the payment is made on time, a payment order has to be created at least 3 working days before it is due. For example, if you have a bill dated March 6, you will have to let us know by the 3rd at the latest.

      Once reverse factoring is activated, suppliers will be able to collect on their invoices early. If they have an account at BBVA, they can do it directly through Online Business Banking, and if they don't, they can use the Net Advance digital tool.
      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
      Offer valid during current month
      1. Financing
      2. Reverse factoring advance
      Footer
      • More BBVA

        • Experts in companies
        • Responsible business
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • Corporate site
        • BBVA Pivot
      • The latest

        • BBVA Company aggregator
        • Financial aggregator for self-employed workers
          BBVA My Business
        • ICO COVID-19 Facilities
        • Online Negocios Loan
        • Negocios Account
        • Online Credit Account
        • Negocios Credit Card
        • Insurance for companies
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        Branches and ATMs

        Online Business Banking

        Finances at a glance

        Economic dictionary

        Apps

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2022

      Creating Opportunities