Reverse Factoring

Turn Payables Into a Strategic Advantage

An Early Payment Program that converts approved payables into immediate liquidity. Buyers strengthen working capital positions and preserve cash for strategic use, keeping their agreed-upon payment terms or negotiating new ones – while suppliers can choose to be paid earlier or on time, every time. It’s liquidity precision that drives financial stability and growth.

  • Improve working capital and preserve internal cash reserves.
  • Optimize DPO without impacting supplier relationships.
  • Stabilize supply chains through reliable early payments.
  • Automate cash flow management within your existing ERP.
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Why Liquiditas Is Different

Built for flexibility and speed, Liquiditas connects technology, funding, and real-time control in one unified solution.

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Own Pool of Resources

We fund programs directly, ensuring faster payouts, predictable pricing, and full control over liquidity.

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Smarter Payout Control

Our platform gives buyers and suppliers full visibility and flexibility over payment timing.

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Fractional Withdrawals

Withdraw the amount you need, right when you need it, and manage liquidity instantly.

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Digital Wallet


Flexibility to opt for partial or full amount of invoices as well as a full financial picture through the Digital Wallet.

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Built for the Way You Work

Liquiditas integrates seamlessly with your ERP and treasury systems, automating payables and supplier onboarding while preserving your existing approval chains. You gain control and visibility – without disruption or downtime.

  • No new infrastructure required.
  • One dashboard for all programs.
  • Instant access to supplier participation metrics.
  • Zero process change.

Start Your Early Payments Program

Getting started with our Supply Chain Finance has never been easier. Liquiditas connects your systems, suppliers, and payments – creating a faster, smarter liquidity flow across your entire value chain.

01

Enterprise Buyer Onboarding

We integrate seamlessly with your existing systems – no heavy IT lift required.

02

Approve Invoices as Usual

Continue your current procurement and approval workflows without disruption.

03

Suppliers Get Paid Early

Liquiditas pays your suppliers when they request early payment on approved invoices.

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Settle on your Terms

You settle the invoice with Liquiditas at the original or extended due date.

Frequently Asked Questions on Reverse Factoring

When your supplier delivers goods and invoices you, you approve it as usual. Your supplier can then request early payment through Liquiditas and receive funds within days (at a small discount based on YOUR credit rating). You pay Liquiditas on the invoice’s original due date – no change to your payment terms. This preserves your working capital while supporting supplier liquidity.

Reverse Factoring is buyer-initiated – the buyer partners with a financier (like Liquiditas) to offer suppliers early payment once invoices are approved. The supplier receives funds immediately, while the buyer repays the financier later under agreed terms. It strengthens supplier trust and optimizes the buyer’s working capital.
Factoring, on the other hand, is supplier-initiated – the supplier sells its receivables to a financier to receive early payment, independently of the buyer. This improves the supplier’s cash flow, but doesn’t affect the buyer’s payment terms or liquidity strategy.

No. Your AP team continues normal approval workflows. Approved invoices automatically upload to the platform. Suppliers simply gain a new optional payment channel – no contract amendments, no disruption to your operations. Implementation is seamless with your existing ERP systems (SAP, Oracle, NetSuite, etc.).

Approved payables finance is structured as off-balance-sheet financing when properly accounted for. The liability remains under accounts payable rather than classified as debt, meaning zero impact on your debt covenants. This unlocks liquidity without affecting your credit ratios. We recommend reviewing accounting treatment with your financial advisors to ensure proper classification.

Paying suppliers early drains your working capital and reduces your DPO metrics. With our program, Liquiditas pays the supplier early while you maintain your original payment terms (or even extend them to 90+ days). You preserve cash for operations and growth while still supporting supplier liquidity – optimizing working capital for both parties simultaneously.

Let’s Get in Touch

Ready to improve your cash flow? Submit your details, and we will contact you to discuss tailored working capital solutions.