Supplier: Paid today.
Buyer: Pays later.
Everyone wins.

Supplier: Paid today.
Buyer: Pays later.
Everyone wins.

Your suppliers get paid upfront. You pay 90+ days later — at no additional cost.

Your suppliers get paid upfront. You pay 90+ days later — at no additional cost.

Talk to us

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English

Winner of the Fintech Award

Herita — The Better Reverse Factoring

Herita — The Better Reverse Factoring

Herita gives both buyers and suppliers more control over their cash flow — unlocking working capital from unpaid invoices through an innovative, cost-free financing model.

Suppliers invoice their customers as usual. Once the customer confirms the invoice, Herita pays the supplier immediately. The customer then settles the invoice with Herita after a flexible period — typically 90 days or more.

Powered by an innovative financing structure based on the digital Bill of Exchange (BEX) and backed by leading investors, Herita provides financing that typically comes at no additional cost to either side. The supplier’s early-payment discount fully covers the funding — creating a true win-win model that fosters stronger and more sustainable business relationships.

Innovative Supply Chain Finance

Discover how Herita’s innovative SCF program creates value for both buyers and suppliers:

Late Payment

Unlock Working Capital.

Herita unlocks working capital through extended payment terms. While suppliers get paid immediately, you gain liquidity by paying 60 to 180 days later — freeing up capital to invest in growth, secure inventory, reduce short-term debt, or seize new business opportunities.

Late Payment

Unlock Working Capital.

Herita unlocks working capital through extended payment terms. While suppliers get paid immediately, you gain liquidity by paying 60 to 180 days later — freeing up capital to invest in growth, secure inventory, reduce short-term debt, or seize new business opportunities.

Without Any Extra Cost

Strengthening Partnerships.

Suppliers get paid immediately — not burdened with late payment terms. The result? Healthier, more resilient partnerships that endure even when times get tough. Backed by smart technology and strong investors, Herita transforms ordinary early-payment discounts into a fully funded financing solution — with zero added cost for either side.

Without Any Extra Cost

Strengthening Partnerships.

Suppliers get paid immediately — not burdened with late payment terms. The result? Healthier, more resilient partnerships that endure even when times get tough. Backed by smart technology and strong investors, Herita transforms ordinary early-payment discounts into a fully funded financing solution — with zero added cost for either side.

Global SCF Program

Global Supply Chain Ready.

Modern supply chains are global — so Supply Chain Finance shouldn’t stop at national borders. Herita goes global. Our platform is compatible with all major jurisdictions, giving your suppliers access to working capital wherever they operate.

Global SCF Program

Global Supply Chain Ready.

Modern supply chains are global — so Supply Chain Finance shouldn’t stop at national borders. Herita goes global. Our platform is compatible with all major jurisdictions, giving your suppliers access to working capital wherever they operate.

FX Module

Global Payment? Solved.

Optionally, Herita even takes care of FX. Suppliers get paid in their preferred local currency, while buyers simply pay in euros to a German IBAN — saving the hassle of international wire transfers and avoiding poor exchange rates from traditional banks.

FX Module

Global Payment? Solved.

Optionally, Herita even takes care of FX. Suppliers get paid in their preferred local currency, while buyers simply pay in euros to a German IBAN — saving the hassle of international wire transfers and avoiding poor exchange rates from traditional banks.

No Paperwork

Fully digital. Zero hassle.

Herita is a fully digital platform — no paperwork, no complex onboarding, no heavy contracts. Everything happens online, fast and effortless. Leveraging the unique structure of the digital Bill of Exchange (BEX) and our end-to-end digital workflow, buyers can launch SCF programs in days and onboard suppliers in hours.

No Paperwork

Fully digital. Zero hassle.

Herita is a fully digital platform — no paperwork, no complex onboarding, no heavy contracts. Everything happens online, fast and effortless. Leveraging the unique structure of the digital Bill of Exchange (BEX) and our end-to-end digital workflow, buyers can launch SCF programs in days and onboard suppliers in hours.

No Exclusivity

Full Flexibility.

We believe Herita is the best way to finance your supply chain — offering the lowest costs, no overhead, global reach, and no bank dependency. And because we’re confident in our model, we don’t require exclusivity. You can easily combine Herita with other Supply Chain Finance (SCF) solutions to fit your needs.

No Exclusivity

Full Flexibility.

We believe Herita is the best way to finance your supply chain — offering the lowest costs, no overhead, global reach, and no bank dependency. And because we’re confident in our model, we don’t require exclusivity. You can easily combine Herita with other Supply Chain Finance (SCF) solutions to fit your needs.

Costs?

Usually zero.

The supplier’s typical early-payment discount already covers the financing cost.

Talk to us

Talk to us

Herita is a partner at the Alpbacher Finanzsymposium

Herita is a partner at the Alpbacher Finanzsymposium

Join us there for a workshop by our CEO, Christoph Iwaniez, on "Liquidität strategisch nutzen: Mit einem vergessenen Finanzkonstrukt zur eigenständigen Absatzfinanzierung."

Join us there for a workshop by our CEO, Christoph Iwaniez, on "Liquidität strategisch nutzen: Mit einem vergessenen Finanzkonstrukt zur eigenständigen Absatzfinanzierung."

ABOUT US

About Us

About Us

Founded by finance professionals, industry pioneers, and strategic partners, Herita Technologies is redefining how global trade is financed.

From our offices in Berlin, Frankfurt, and London, we work toward a shared mission — simplifying trade finance, reducing dependencies, and driving sustainable growth.

By merging trusted financial tools with modern technology, Herita brings trade finance into the digital era.

CONTACT US

Learn more:

Learn more:

Reach us at herita@herita.tech or through the contact form below:

Herita Technologies


Berlin · Frankfurt · London

© 2025 – Herita Technologies GmbH

Privacy Policy

Imprint

Herita Technologies


Berlin · Frankfurt · London

© 2025 – Herita Technologies GmbH

Privacy Policy

Imprint