Advantages for your customers
Pay your suppliers in advance and improve your terms.
- Improved supplier payment management.
- Possibility of negotiating more favourable terms with suppliers.
- Treasury optimisation through guaranteed payments.
Advantages for the supplier
Collect payment early on invoices you issue to your customers once your customer approves them.
- Immediate liquidity by collecting on invoices early.
- Eliminates the risk of non-payment.
- Simplifies collection paperwork.
- Improved relationship with customers.
How does reverse factoring work?
- The company (the customer) opens a reverse factoring line.
- The company receives an invoice from its supplier and submits it to the bank.
- CaixaBank will notify the supplier of the invoices that its client has confirmed with us and that we are required to pay.
- The supplier decides whether to receive early payment (for a small fee) or wait until the invoice due date (payment at no cost, on the agreed date).
How do I sign up for the reverse factoring service?
If your company wants to offer reverse factoring to your suppliers
- Contact your business adviser at CaixaBank or visit your usual branch and request the reverse factoring service.
- We'll evaluate your situation, and if approved, you will sign a reverse factoring contract.
- Once active, you will be able to send payment orders to your suppliers and manage everything from your digital banking.
Depending on the type of reverse factoring you signed up for, you will be able to finance payments as they fall due
If you are a supplier and one of your clients uses reverse factoring to pay you
If YOU ARE ALREADY a CaixaBank customer, log in to your online account with your username and password.
If YOU ARE NOT a CaixaBank customer, you need to register on the Confirming portal:
- When your customer uses reverse factoring with you, CaixaBank will send you a notification with a welcome code. and the steps to access the Confirming portal.
- Once registered, you will be able to advance the collection of invoices.
If you don't receive the welcome code, you can contact the Confirming helpline:
National suppliers
- Tel.: +34 960 290 350
- E-mail: [email protected]
- Opening hours: Monday to Thursday: 8:00 - 19:00. Friday: 8:00–17:00. Spanish time. Including local and regional holidays.
International suppliers
- Tel.: +34 93 240 80 91
- E-mail: [email protected]
Sustainable reverse factoring for CIB customers
Integrate sustainability into your supply chain without sacrificing the speed of traditional reverse factoring.
