Trade FinanceReverse Factoring
Early Payment Built AroundApproved Buyer Obligations.
Helping suppliers access liquidity while preserving buyer payment terms.
Reverse Factoring
PROGRAMME TYPE:
Buyer-led financing programmes
across procurement networks.
across procurement networks.
A Buyer-Led Financing Solution
Reverse Factoring is a buyer-led financing solution that enables suppliers to receive payment earlier against approved invoices while allowing buyers to continue operating under agreed commercial payment terms.
The financing decision is primarily based upon the approved payment obligation of the buyer, providing suppliers with improved liquidity and greater certainty of cash flow.
KEY BENEFITS
What Reverse Factoring delivers
Accelerated supplier payments
Suppliers are paid early against approved invoices, often within days.
Improved working capital
Buyers keep or extend payment terms while suppliers receive cash sooner.
Stronger procurement relationships
Reliable early payment builds supplier loyalty and negotiating goodwill.
Flexible financing programmes
Programmes scale across suppliers, currencies and invoice volumes.
Predictable cash flow
Both sides plan around a known, dependable payment schedule.
Efficient payment administration
One programme replaces fragmented supplier-by-supplier payment handling.
How It Works
Each transaction is structured individually following commercial, legal and credit assessment.
1
Supplier delivers goods or services.
2
Buyer approves the invoice.
3
Supplier elects early payment.
4
SPEC Finance provides funding.
5
Buyer settles the approved obligation on the due date.
Built for both sides of the transaction
Buyers
Large corporatesManufacturersCommodity importersInfrastructure companiesDistribution groups
Suppliers
SMEsExportersManufacturersService providersRaw material suppliers
Who initiates a Reverse Factoring programme?
Programmes are generally established in collaboration with the buyer and participating suppliers.
Is funding available for every invoice?
Funding is subject to programme eligibility, invoice approval and transaction assessment.
Set up an early-payment programme for your suppliers.
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