What is invoice financing?

Invoice financing is a service which is automatically activated when you open your account and gives you the option of paying your supplier invoices in instalments.

Thanks to your Hero account, you can pay your suppliers on time thanks to the amount outstanding and then repay in several instalments (3 or 4 times).

This flexibility means you can manage your cash flow more effectively.

Unlike immediate debit, deferred supplier payment is highly flexible. It allows merchants to benefit immediately from a good or service while deferring payment.

How can I increase my outstanding balance?

You can easily increase your outstanding balance by clicking on a dedicated button in your customer area. A connection via Open Banking enables us to analyse your financial flows and thus, potentially, increase your available outstandings.

In which countries is this service available?

Invoice financing is currently available in France, Spain and Italy. However, increasing outstandings via Open Banking is not yet available in Italy, but we are working on extending our offer.

Why connect my account via Open Banking?

When you connect your account via Open Banking, we analyse your financial flows to assess your financing capacity. This analysis may enable you to increase your outstandings and therefore access a higher level of financing.

What should I do if I have €0 outstanding?

If you have €0 outstanding, we recommend that you connect your bank account via Open Banking. This connection will enable us to assess your activity and potentially increase your financing capacity.

Additional information