Best Fintech Innovation 2025
Herita gives both buyers and suppliers greater control over their cash flow—unlocking working capital from unpaid invoices through an innovative, cost-neutral financing model.
Suppliers invoice you as usual. Once you approve the invoice, Herita’s banking partners pay the supplier immediately. You then settle 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), our banking partners provide financing at typically no additional cost to either side. The supplier’s standard early payment discount—or improved terms negotiated through earlier payment—typically fully covers the financing, creating a true win-win model that strengthens relationships and builds more resilient supply chains.
It may sound like reverse factoring — but it’s far more advanced. Discover why.
Built Differently
Supply Chain Finance that actually works—simple, accessible, and fair:
Simple
Leveraging the digital Bill of Exchange (BEX) and our fully digital platform, Herita eliminates paperwork, complex onboarding, and contractual overhead. Launch your SCF program within two weeks and scale effortlessly as your business grows. Best of all, no supplier action is required—they simply continue invoicing as usual.
Accessible
Modern supply chains are global and fragmented—making it more important than ever to have a solution that reaches every supplier. Herita enables extended payment terms for all your suppliers, regardless of where they are located or how large they are—from sole traders to global enterprises.
Fair
Herita creates true win-win outcomes: suppliers receive immediate payment, while buyers gain extended payment terms—giving both greater control over their cash flow. What sets Herita apart: No exclusivity, no upfront costs, and no IT integration project required. Start with a single supplier and scale at your own pace.
Clean
With Herita, you can extend your payment terms without changing the balance sheet classification of your supplier payables. They remain classified as trade payables.
Costs?
No additional cost.
The supplier’s standard early payment discount—or improved terms negotiated through earlier payment—typically fully covers the financing.
ABOUT US
Herita Technologies was born from industry — with the ambition to build trade finance the way businesses truly need it in practice. Traditional solutions such as reverse factoring may sound compelling in theory, but often fall short in execution due to complexity, dependency, and low adoption.
Herita is not a bank. We operate independently. Our shareholders include several renowned German entrepreneurial families — a strong reflection of our industrial roots and our commitment to developing financial solutions around the real needs of modern businesses.
Our management team combines entrepreneurial experience, banking expertise, and fintech know-how: an experienced entrepreneur, a seasoned finance expert, and a successful fintech founder working together to make trade finance simple, accessible, and fair.
From our offices in Berlin, Frankfurt, and London, we pursue a clear mission: to simplify trade finance, reduce dependencies, and support sustainable growth across global supply chains.
By combining proven financial instruments with cutting-edge technology, Herita is bringing trade finance into the digital age.
CONTACT US
Claus-Mário Büschelberger
VP Business Development
Reach us at herita@herita.tech or through the contact form below:
