Supplier financing
Strengthen your supply chain while keeping more room in your cash flow. Péntech pays approved supplier invoices, and your business pays at an agreed later date.
Complete the enquiry form to discuss your requirements. The form is in Hungarian.
What is supplier financing?
Supplier financing, also known as reverse factoring, is built around invoices approved by the purchasing business.
Your supplier has delivered, but paying later would better suit your cash flow. The finance provider pays the supplier under agreed terms, and you settle with the provider on a specified later date.
A longer payment term need not tie up your supplier’s cash. The arrangement is tailored following an assessment of the buyer, suppliers and transactions.
More flexibility on both sides
For your business
For your suppliers
Limits, fees and payment terms are set out in the individual offer and agreement.
How it works
Your business checks and approves performance and the invoice.
The supplier receives payment within the approved facility once contractual conditions are met.
You settle the agreed amount with the finance provider according to your payment schedule.
When can it help?
You purchase, store and then sell. Financing can help align supplier payments with the revenue from those sales.
Buy the components and materials needed for your next order. Earlier supplier payment can support continuity while you follow an agreed payment schedule.
Purchases grow ahead of the season. A suitable financing facility may help manage temporary increases in working-capital requirements.
A practical example
A trading company regularly orders from several suppliers. Those suppliers need cash for their next production run, while the buyer will sell the stock later.
The buyer approves the completed invoices. Subject to the approved facility and conditions, the finance provider pays the suppliers. The buyer then pays the provider on the agreed later date.
Illustrative example. Timing, eligible invoices and costs depend on the individual agreement.
Talk to usTwo different starting points
| Question | Factoring | Supplier financing |
|---|---|---|
| Your role | You are the seller waiting for a customer to pay. | You are the buyer paying supplier invoices. |
| Your objective | Access part of your receivables earlier. | Align later buyer payment with earlier supplier payment. |
| Starting point | Your receivable against the customer. | Supplier invoices approved by your business. |
| Assessment | Receivable and risk assessment. | Buyer facility, supplier and contractual conditions. |
Prepare for a conversation
Frequently asked questions
The arrangement is organised around the purchasing company. We review your operations, supplier network and anticipated invoice volume to assess suitable options.
We assess invoices for completed transactions that have been checked and approved by the buyer. Eligibility depends on the companies involved, documentation and available facility.
There is no automatic extension that applies to every business. Terms depend on your operating cycle, risk assessment and agreement.
After invoice approval, the required checks and fulfilment of the contractual disbursement conditions. The schedule is clarified during discussions.
Your offer may depend on the amount, financing period, expected volume and risk. We clarify total costs, who bears them and how they are settled before contracting.
Yes. The parties need to agree invoice acceptance, financing conditions and payment arrangements. We work with you on how to bring your supplier network into the process.
Complete the enquiry form. It helps to have an overview of your monthly purchases, current terms and the suppliers you would like to include. The hosted form is in Hungarian.
Traditional factoring is typically initiated by the seller against its customer receivables. Supplier financing is arranged around the buyer’s approved purchasing invoices.
Tell us about your business and we will discuss the available options.
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