B2B companies that sell on credit terms.
When revenue becomes a receivable before it becomes cash, an advance shortens that gap.
Manufacturers
Long production cycles and payment terms longer than what suppliers grant.
Distributors
High turnover, fragmented portfolio and recurring working capital needs.
B2B suppliers
Performed sales to large debtors, with invoices and receivables already issued.
Four stages, each one validated.
Portfolio submission
You share the performed invoices and receivables along with the company's registration data.
Analysis
Registration, documentary and legal validation (KYC/KYB), assessing the debtor and portfolio concentration.
Structuring
The operation is designed according to the assessed profile and the current credit policy.
Formalisation
Instruments are signed and liquidity follows approval and formalisation.
The decision looks at the whole operation, not just the invoice.
Debtor
Payment capacity and track record of the party owing the receivable.
Concentration
How the portfolio is spread across debtors, to size the exposure.
Documentary backing
Invoice, delivery receipt, contract and proof of delivery or service.
Formalisation
The legal instruments that support the assignment of the credit.
Frequently asked questions
Which invoices can be advanced?
Invoices from operations already performed — goods delivered or services rendered — with an issued receivable and verifiable documentary backing.
How is the rate defined?
Case by case, according to the debtor profile, portfolio concentration and the guarantees involved. Any simulation made before the analysis is an estimate.
How long does a response take?
It depends on the complexity of the portfolio and the documentation received. We report progress at each stage; we do not work with a fixed release deadline.
Is there a minimum company size?
There is no single cut-off. Eligibility depends on portfolio quality and on the outcome of the registration, documentary, legal and credit analysis.
Can companies with credit restrictions apply?
Each case is assessed individually by the credit committee, considering the operation as a whole. There is no guaranteed approval.
Let's evaluate your operation.
Request a credit analysis or talk to the institutional team. We will respond according to the credit policy and the operation profile.