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
Products
Home
  • Accounts
  • Cash management
  • Financing
  • POS terminal
  • Collection management
  • Cards
  • Insurance
  • Endorsements
  • Trade finance
  • Renting
  • Public Sector
  • Agro
Branches and ATMs
BBVA Newsroom
  • Español
  • Català
  • English
  • Galego
  • Euskara
Individuals Self-employed people and companies
  • Home
  • Accounts
  • Cash management
  • Financing
  • POS terminal
  • Collection management
  • Cards
  • Insurance
  • Endorsements
  • Trade finance
  • Renting
  • Public Sector
  • Agro
Click enter
Suggestions

    Experiences

    • Aggregation service

      Aggregation service

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

    • BBVA My Business

      BBVA My Business

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

    • BBVA Company aggregator

      BBVA Company aggregator

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

    Bienvenida Account for self-employed workers and companies

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

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

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

      International Reverse Factoring

      Finance payments or collect on international invoices early.

      • Simplify and finance import payments if you need to.
      • Allow your international suppliers to advance their receivables.
      • Reduce the time you spend arranging international payments.
      Request information

      The two sides of international reverse factoring

      • Advantages for customers that use international reverse factoring
        Through reverse factoring, BBVA can pay your foreign 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? BBVA will pay it in advance, minus an amount for fees and interest.

      Here's an example:

      • A multinational company takes out an international reverse factoring facility. In March, you purchase supplies from two supplier companies, one in France and one in China. The company undertakes to pay the two invoices in 90 days.

        The French supplier prefers not to wait, so through the reverse factoring of the multinational business, it gets paid early in exchange for an amount that includes fees and interest.

        The Chinese supplier decides to wait 90 days. The payment comes due, the multinational company decides to defer the payment, meaning that BBVA pays the supplier and defers that payment for the multinational.

      Online banking facilitates reverse factoring management for both the company and your international suppliers.

      Receivables and payables in 21 currencies

      • The management of international payables and receivables in different currencies is complex. International reverse factoring allows you to operate in multiple countries and currencies as if you were doing in Spain.

      A personal adviser at your side

      • Specialists to answer your questions
        Our team of specialists in trade finance will make your international transactions easier. Your adviser will help whenever you have questions on financing imports.
        Count on our experience

        You will have a specialized personal adviser at your disposal. You can rely on your adviser to answer questions about your international activity and thus minimize any potential risks.

        • No added cost.
        • Get the information when you need it.
         
        Request information

      Are you interested in requesting an international 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 facility.

      Apply

      Would you like more information?

      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.

      We are committed to our customers

      • 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.
      Offer valid during current month
      1. Trade finance
      2. International reverse factoring for businesses | BBVA
      Footer
      • More BBVA

        • Agro
        • Experts in companies
          Responsible business
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • BBVA Pivot
      • The latest

        • ICO Ukraine Guarantee Facility
        • BBVA Company aggregator
          Financial aggregator for self-employed workers
          BBVA My Business
        • Online Business 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
          Environmental impact calculator for companies
      • 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. 2023

      Creating Opportunities