Skip to contents

Reverse Factoring

You trust us, and they'll trust you.

The Bankinter Factoring service guarantees your suppliers the collection of their invoices. And if they want to, they can even collect payment in advance.

With our factoring service your company will gain:

Ventajas Confirming

Strengthen your image for your suppliers

In business, everyone wants to collect payment when it's due. Besides, respecting your due dates will enhance your company's bargaining power.

Less administrative burden

Once we receive your payment order, we'll take care of everything and inform you of each stage of the process.

You can finance your payments

When your invoices are due, you can finance payment if you want.

And you can “buy back” invoices

If your supplier has chosen to finance any of their invoices, we'll remunerate your company if you cancel that financing.

Optimise your company's cashflow

No CIRBE checks with the reverse factoring discount product.

And your suppliers will feel supported

  • They will be assured the collection of their invoices.
  • They remove the debt from their customer account.
  • The financing is not reflected in their liabilities or with the CIRBE.
  • They can collect their invoices in advance at any time.

And with the Confirminet service they can collect payments in advance on the spot.

Find out more about confirminet payments
Confirming pronto pago

Prompt payment reverse factoring

Pay your invoices up front so you don't miss out on any prompt payment discounts.

With the prompt payment factoring service you can order immediate payment and we'll finance the amount in question, enabling you to strengthen your company's bargaining power.

  • Once we receive the payment order, we'll process it within three days or less.
  • The financing is granted on the same day the payment goes through.

How Bankinter Factoring works

Get all the perks in three easy steps.
  • Payment order

    Your company instructs us to pay on the designated date by bank cheque or transfer.

  • We inform the beneficiary

    That the payment has been ordered and we offer them the possibility of collecting it in advance.

  • The beneficiary can choose

    To advance collection of the invoice at any time between the issue date and the maturity date.

File management service

Manage all your payment orders and collections with the same tool.

A service that doesn't need downloads or additional software. A service that makes everything easier.

Find out more about the file management service
Gestión de ficheros

See Factoring terms and conditions Factoring terms and conditions

The terms and conditions of service are personalised and we negotiate them individually with each customer.


Can I issue national and international payments in the same remittance?

Yes, you can include them in the same remittance?

Can I use the factoring service if I'm a non-resident?

Yes, but in this case the financing service will only be available to your suppliers.

Is it possible to send payments in foreign currency?

No, sorry.

In the case of the prompt payment factoring service, can invoices be financed for different terms?

Yes, you can arrange a tailored financing package up to the maximum authorised term.

Which channels are used to inform suppliers that the payment has been ordered?

By letter, email and SMS.

How does a supplier tell the bank they want to collect their invoices in advance?

We recommend using, although they can also let us know by phone, fax or through our branches.

In which languages is communication with suppliers available?

In Spanish, English and Italian.

Got a question?

The Bankinter Corporate help centre has the answer.