Buy now. Pay later.

Invoice Financing is a financial solution that RITMO provides to improve your purchasing capacity and procurement cycle without putting your company's cash flow at risk.

RITMO will pay invoices directly to suppliers while you benefit from extended payment terms (from 4 to 12 weeks) and deal with inventory purchases.

Relying on a financial product such as RITMO's Invoice Financing will allow you to improve your purchasing power and supply cycle without putting your company's cash flow at risk.

RITMO will take care of paying invoices directly to suppliers and you can benefit from extended payment terms (from 4 to 12 weeks) and handle inventory purchases even during peak demand.

Invoice financing will allow you to improve your working capital and cash flow cycles. In addition, you can access our Growth Capital financing product at the same time, which you can use to invest in the growth and expansion of your eCommerce business.

The process of applying for invoice financing at RITMO is very simple and will take no more than 5 minutes.

Here are the steps for requesting invoice financing with RITMO

• Registration on the platform

• Connection of your marketing and sales accounts, open banking and accounting systems

• Analysis of data through our algorithms and scoring

• Sending of a personalised offer by the RITMO team

• Customer approval

• Upload your invoices and choose the repayment term (4-12 weeks)

• We pay your invoices

RITMO will take care of paying your invoices directly to suppliers, allowing sellers to enjoy benefits such as:

• Extending supplier payment terms

• Access to early payment discounts and improve the relationship with suppliers.

• Increase purchasing and procurement capacity.

• Improve their working capital and cash flow cycle.

• No need for collateral or guarantees to obtain liquidity.

Once you have connected all your marketing and sales accounts, our sales team will contact you back with a pre-approval offer for funding in less than 24 hours.

Credit balance or available credit is the total amount of financing available to the customer. The client may request payment of invoices for the total amount of credit available.

The credit balance is calculated as:

Maximum approved limit - Invoices paid by RITMO + Repayments made by the customer.

Access the "My invoices" section by clicking on the link you will receive by email to access the internal platform. Once inside you only have to upload your invoices and we will take care of paying your suppliers directly.

Your invoices will go through different statuses throughout the process to keep you informed. You will be able to check their status at any time through your account.

The repayment period to RITMO for the financing of invoices starts 7 days after RITMO has paid your invoices to the supplier.

Repayments will continue for the refund period you have selected when uploading invoices.

Repayment will be made automatically through a Direct Debit agreement between your bank and RITMO's bank so you don't have to worry about making the transfer every week.

You will receive an email and an invoice in your inbox for each repayment.