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What is reverse factoring?

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

As a supplier, you can advance the payment of your invoices before their due date to access your money anytime and anywhere.

If you need more information or have any questions, please call our supplier support hotline at 919 190 297

The advantages of using Reverse Factoring

Faster

We send you the advance without additional paperwork and automatically deduct the corresponding fees and interest.

More transparent

Before signing, you will see the terms and simulate the net amount that will be credited to your account.

More flexible

Choose between one-off or automatic advance payments for your invoices and adapt Reverse Factoring to your business.

More benefits

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

How can you sign up without being a customer?

Register

You need your NIF/CIF, NIE, passport or Tax ID code, an email address and a password. This registration does not link you as a BBVA customer.

Identify your company

You will need the Digital Certificate or the contract of assignment of credits* and the details of an invoice to identify the company.

Access the Reverse Factoring space

Request advances, track payments received, and view your customer statistics and history.

*If you do not have the contract of assignment of credits available, please send an email to: infoproveedoresbbvaf@bbva.com or call our supplier support hotline on 919 190 297

Shall we look at an example?

Jorge owns a flower shop and, after providing his services for a wedding venue, the venue will make the payment by transferring the invoices through BBVA's Reverse Factoring service.

  • Jorge decides to get paid in advance, but since he is not a BBVA customer, he must first register to view the invoices, see the conditions and get the advance payment.
  • Once registered, from his private area, he accesses the Reverse Factoring space and selects the invoices he wants to get paid early.
  • Before signing, he reviews the Reverse Factoring terms and the final amount that will be paid to him after interest and fees have been deducted.

As a result, he has been able to receive the money from the wedding venue in advance without having to wait 90 days for payment.

Choose your fee-free account

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

Do you have any queries?

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, and advances for your invoices, among other options.