Reverse Factoring Solutions

The Buyer-Led Early Payment Program

Empower your suppliers with fast access to cash without draining your own reserves. Through Liquiditas Reverse Factoring, you set up the program, and we provide the financing. Your suppliers get paid early; you pay us on the original due date.

  • Extend payment terms without starving suppliers of cash.
  • Protect your supply chain by giving vendors low-cost, stable financing.
  • Build stronger relationships with key partners.
  • Keep your balance sheet clean. The financing sits with the supplier.
Launch Your Program
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The Benefits of Supply Chain Finance

Built for flexibility and speed, we connect technology, funding, and real-time control in one solution.

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We Fund It, You Control It

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

Suppliers do not have to take the full invoice value. They pull exactly what they need, when they need it.

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Full Transaction Visibility

Track payment statuses, terms, and supplier adoption in real time from your dashboard.

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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 Today

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.

04

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.

Talk to an Expert

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