Liquiditas
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Reverse Factoring / Early Payment

The lead solution on the Liquiditas platform. Suppliers request early payment on approved invoices, funded by the bank against the buyer’s credit standing, so suppliers get paid early and buyers can extend terms without straining supplier cash.

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The buyer-led early payment programme.

Extend payment terms without starving suppliers of cash. You approve invoices as usual and agree the terms; your suppliers can then request early payment, funded by your bank against your credit standing. Suppliers get paid early; you settle on the newly agreed due date.

Working capital moves in your favour: longer terms for you, immediate cash for your suppliers, and no drain on your own reserves. Liquiditas powers the platform behind the programme: the credit decision, the pricing and the client relationship stay with the institution running it.

At a glance

  • Buyer-led programme on approved invoices.
  • Funded by a participating bank or financial institution.
  • Payment terms can be extended; suppliers are still paid early by the bank.
  • Supplier chooses when and how much: full or partial invoice amounts.
  • Runs bank-branded or as a Liquiditas-branded corporate programme.
Finance and procurement colleagues reviewing approved invoices on the Liquiditas platform

The benefits of reverse factoring

Built for flexibility and speed: technology, funding and real-time control in one programme.

  • Funded within the programme

    Early payment is funded by the participating bank against the buyer’s credit standing. Liquiditas runs the workflow, the pricing rules and the reporting.

  • Smarter payout control

    Buyers and suppliers see payment timing and adjust it within the programme rules, invoice by invoice.

  • Fractional withdrawals

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

  • Full transaction visibility

    Payment statuses, agreed terms and supplier adoption, visible in real time from one dashboard.

For Financial Institutions

A solution to configure and offer under your own brand, pricing, eligibility criteria and limits set by your institution, with your funding behind it.

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For Companies

A programme you run together with your bank. Invoice approvals, supplier eligibility and programme rules stay with you.

Explore corporate programmes
Related solutions: Dynamic Discounting Receivables Financing Extended Payment Terms

How it works

  1. 01 The buyer approves invoices

    Invoices are imported and approved on the platform, following the buyer’s existing processes.

  2. 02 The supplier requests early payment

    Suppliers see which invoices are approved and can request early payment on them.

  3. 03 The bank funds the payment

    The participating bank funds the early payment, based on the buyer’s credit standing.

  4. 04 The supplier is paid before the due date

    The buyer settles with the bank on the agreed due date, including any newly extended terms.

Start the conversation.

Request a Platform Demo Discuss Your SCF Programme