Invoice Advance is a crowdfactoring solution for short-term financing that allows companies to anticipate the payment of invoices receivable, obtaining immediate liquidity. Invoice Advance is managed by Daskapital España S.L., a subsidiary of Das Kapital Lda.

In the Invoice Advance collaborative financing model, companies publish the credits they hold on their customers on the Daskapital platform, and investors compete with each other to purchase, at a discount, part or all of the invoice. Through an auction process, they define the amount they wish to invest and the minimum return they require, and companies will be financed by the group of investors demanding the lowest interest rate.

On the invoice due date, the debtors (the company's customers) pay the credit, returning the capital invested to the investors. The profit comes from the difference between the amount invested in the invoice seller and the amount received from the invoice payer, which corresponds to the discount.

Invoice Advance offers advantages for both investors and companies.

For investors, it allows them to diversify their portfolio with short-term investments and above-average returns, choosing the invoices in which to invest (and the consequent level of risk and maturity) and the minimum rate of return they require, with security and transparency guaranteed by Daskapital, which analyses and verifies the solvency of the payers of the invoices provided by the assignors.

For companies, it guarantees immediate liquidity without resorting to banks, allowing them to finance themselves at even lower interest rates if they are assigning credits on companies with lower risk than themselves, as the associated risk, as perceived by the investor, is that of the invoice debtor.
It can be used by companies as a way to balance the risk level and maturities of their accounts receivable.

After you submit a financing request, our team will review and analyse your application. In some cases, you may be asked to provide additional information or documents. Stay alert to the status of your request and any communication from Daskapital.

Once your financing request is approved, it will be prepared for publication as an investment opportunity to investors, and the auction will start. For invoice trading requests (Dasfactoring), this process and publication are automatic. However, for a loan request (Daslending), you will need to validate the Key Investment Information Sheet before your request is published.

Throughout the auction period, your financing request will be visible to the Daskapital investor community. They will compete to finance it. You can monitor the auction process through the platform.

When the auction process is complete, Daskapital will transfer the funds via bank transfer, and the financing will begin under the agreed terms. In the case of Daslending, you will also need to provide proof of the use of funds.

If you need further clarification, please contact us via support@daskapital.eu.

Financing through invoice discounting allows your firm to receive funds based on the total value of your invoices, though you will pay interest equivalent to the discount you choose. In essence, you are selling an invoice for a bit less than its face value.

When you discount your invoices through Daskapital, the discount rate is determined by an auction. The final rate will fall between the highest discount you are willing to accept and the lowest discount that investors are willing to offer.

After the auction concludes, Daskapital will promptly transfer 90% of the invoice's face value to you, taking into account the discount and any applicable fees. The remaining 10% will be released to you once your customer's payment has been verified.

It’s important to understand that your invoice will only be financed once investor offers that cover the entire required amount have been secured.

If you need further clarification, please get in touch with us at support@daskapital.eu.