What will I need to identify myself when I have already registered?

Once you have registered, you will need the following: details of the company's representative, Sole or Joint Administrator Digital Certificate and certificate of representation of a Legal Entity. If you do not have the Digital Certificate, you will need the contract of assignment of credits and the details of an invoice.

How can I obtain the contract of assignment of credits or the details of an invoice?

You can write to this address: infoproveedoresbbvaf@bbva.com or call 919 190 297

How long does it take for a reverse factoring payment to become effective?

Payment is made in 24 hours for domestic suppliers and between 24-48 hours for international suppliers since the request is made. If you are a BBVA customer and you pay the advance into your BBVA account, the payment is made immediately, provided that the advance is requested from bbva.es.

How do I receive the reverse factoring payment?

If you advance your invoices, you will always receive a transfer into the account provided. If you decide to wait until they are due, you will receive a transfer if you have provided an account; if not, an order check.

What is the difference between a promissory note and reverse factoring?

The promissory note is a credit instrument through which the issuer agrees to pay an amount of money to the payee before the due date of the same. Reverse factoring enables you advance the payment of invoices, without having to wait for the due date to obtain the money. In this case, the issuer's default risk is covered. If you do not advance the payment of the invoice and wait for the due date, BBVA will not be responsible for the payment.

Can I advance payments by means of reverse factoring if I am an international supplier?

Yes, as the reverse factoring service can be used to collect payments in all the leading currencies: EUR (Euro), USD (American dollar), CNY (Yuan renminbi), MXN (Mexican peso), GBP (Pound sterling). And also in: AUD (Australian dollar), CAD (Canadian dollar), CHF (Czech franc), CZK (Swiss krone), DKK (Danish krone), HKD (Hong Kong dollar), HUF (Forint), JPY (Japanese yen), NOK (Norwegian krone), PLN (Zloty), RON (New Romanian leu), RUB (Russian ruble), SAR (Saudi riyal), SEK (Swedish crown), SGD (Singapore Dollar), TRY (Turkish lira), ZAR (South African rand) and ILS (New Israeli Shekel)

Suppliers Reverse Factoring Advance

Save time in your day-to-day life by advancing the payment of your invoices through Reverse Factoring

By means of Reverse Factoring, you can quickly and easily advance the payment of your invoices whenever you need it without sending physical documentation.

Spend less time on administrative procedures.
Simulate an advanced payment of invoices payable to you.
See in detail the information and status of your payment orders.

If you are already a BBVA customer, you can carry out Reverse Factoring from your online business banking.

What is reverse factoring?

It is the financial service employed by companies to manage their payments with their suppliers.

By means of Reverse Factoring as a supplier, you can advance the payment of your invoices before their due date, so you can access your money any time and anywhere.

Get an advance on 100% of your invoices without waiting

We advance the money you need, after deducting the corresponding fees and interest and without you having to provide any additional documentation.

Spend less time on administrative procedures

View the payments received from your customers and obtain statistics on the volume of payments and advanced payments made, as well as simulate the advanced payment of the invoices payable to you.

Finance your invoices through an automatic or one-time advance

You can finance your payments in a flexible manner, through the automatic or one-time advance payment of your invoices.

More convenient and greater benefits

No tax costs, no risk assumption and with the possibility of obtaining better financing conditions.

Register, identify yourself and start advancing the payment of your invoices

It's very easy. You will only need:

To register

Tax ID, Foreigner's ID or Passport. Email and password.
To identify your company

Digital Certificate. If you do not have one, you will need the contract of assignment of credits* and the details of an invoice.

*If you do not have the contract of assignment of credits, write to infoproveedoresbbvaf@bbva.com or call our Supplier care service on 919 190 297.

Do you need more information about the process?

You can download and view the Reverse Factoring Manual at any time.

Starting is always easier if there are no fees

Whether you are self-employed, an SME or a large company, become a customer and choose the fee-free account that best suits your projects.

Start

Some questions that may come up

To advance the payment of invoices as a non-BBVA customer and supplier, you must first go to the Non-customer's Private Area after logging in this web page.

The first time you log in, you will have to register with your company's Tax ID and email address. If you have already registered, enter your username and password.

In the Non-customer's Private Area you will find the Reverse Factoring module, through which you can carry out one-time or automatic operations, such as simulations, review payment statistics, advance invoices, etc.