Supply Chain Finance
Supplier: Paid today.
Buyer: Pays later.
More working capital, no integration project: With Herita, you extend your payment terms while your suppliers are paid on time or even early. Built on the digital bill of exchange, run on a fully digital platform, funded by our financing partners.
One invoice with Herita
Today
You upload the invoice
By drag and drop or automatically from your system.
Due
Your supplier is paid via Herita
By our financing partners – on time or earlier, if they prefer.
Later
You pay the financing partner
On extended terms. Your cash stays in the business longer.
01
Supply chain finance in brief
Your supplier gets paid.
You pay later.
With supply chain finance, a funder steps in between invoice and payment. Your supplier receives their money as agreed or earlier, while you settle the invoice at a later date. The gap in between is your gain: released working capital.
For your supplier
Paid early or on time
Predictable cash inflows, no dunning, no debates over payment terms.
For you
Longer payment terms
You pay later without making suppliers wait or renegotiating terms.
For your balance sheet
More working capital
Every extra day of payment terms stays in your business as liquidity.
02
Why Herita
Supply chain finance that actually works.
Traditional SCF and reverse factoring programs mean IT projects, thick contracts and onboarding every single supplier. Sounds good in theory, but often fails in practice because of complexity. Herita is built differently: on the digital bill of exchange (BEX) and a fully digital platform.
No integration project
Your program typically launches within two weeks. No IT resources, no upfront interface – and you scale at your own pace.
Instead of:
a months-long IT project
Simple contracts
Lean, clear agreements. No exclusivity, no upfront costs, no lock-in to a single bank.
Instead of:
thick framework agreements
No supplier involvement
Your suppliers invoice as usual. No onboarding, no signature, no portal – they simply get paid.
Instead of:
onboarding every single supplier
Balance-sheet friendly
You extend your payment terms without changing your accounting: your liabilities remain trade payables.
Instead of:
questionable reclassification as other liabilities
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The foundation
Proven for over 800 years. Now digital.
As early as the 12th century, merchants and bankers in Genoa financed their trade with bills of exchange. Herita has made this principle digital – a secure foundation on which our platform and financing partners work together.
Binding. A legally enforceable promise to pay – clearer than any invoice status.
Defined worldwide. The bill of exchange is so clearly defined that it replaces hundreds of pages of credit agreements. That is why our SCF programs are so simple.
Financeable. Our financing partners can fund the BEX directly – for suppliers of any size, in any country.
03
Programs
One SCF program.
Three ways to use it.
Choose the right path to reach your goals – individually or combined.
Your supplier is paid
You pay
Financed via Herita
Invoice
Financed via Herita
Supplier paid
on the due date
You pay
on extended terms
Extend
No supplier involvement
You extend your payment terms and bear the financing costs. Your supplier is paid on the agreed date and doesn’t have to do anything.
Ideal if
you want to release liquidity quickly and predictably.
Invoice
Financed via Herita
Supplier paid
in the discount period
You pay
on extended terms
Use cash discounts
No supplier involvement
Cost-neutral
Your supplier is paid via Herita within the cash discount period, you pay later. The existing cash discount funds the extension of your payment terms.
Ideal if
your suppliers already offer cash discounts.
Invoice
Financed via Herita
Supplier paid
immediately, at a discount
You pay
on the due date
Pay early
With supplier involvement
Cost-neutral
Via Herita, your suppliers automatically receive an offer of earlier payment in exchange for a discount on the invoice amount. Like dynamic discounting – but funded via Herita instead of your own cash.
Ideal if
you want to offer suppliers liquidity without using your own.
04
Integration
As simple or as automated as you like.
Three ways to work with Herita. Switch or combine them at any time.
Drag invoices here
Invoice_1184.pdf
ready
Stand-alone
Upload and go
Herita as SaaS in your browser. Upload invoices by drag and drop – no IT, no interface.
ERP / AP
Herita
Integrated
Built into your process
Connected to your existing systems. Approved invoices flow into the program automatically – no manual step.
Supplier A
Use cash discounts
Supplier B
Extend
Supplier C
Pay early
automatically optimized
AI-powered
Maximum impact with AI
Our AI finds the right suppliers and invoices and continuously optimizes for the greatest working capital impact.
05
About Herita
Born from industry. Not from banking.
Herita was founded to build trade finance the way companies actually need it. Traditional reverse factoring sounds convincing in theory, but often fails in execution due to complexity, dependencies and low adoption.
Our management combines entrepreneurial experience, banking expertise and fintech know-how: an experienced entrepreneur, a seasoned finance expert and a successful fintech founder. Together, we combine proven financial instruments with cutting-edge technology.
Independent
Herita is not a bank. We operate independently – with a network of renowned partner banks and financing partners.
Backed by entrepreneurs
Our shareholders include several renowned German entrepreneurial families.
Berlin · Frankfurt · London
Our mission: simplify trade finance, reduce dependencies and support sustainable growth in global supply chains.
Award
Best Fintech Innovation 2025
Awarded by EY
Partner
Finanzsymposium 2026
CEO talk: “Supply chain finance: why the perfect idea so often fails.”
Sponsor
Structured Finance 2026
Herita is a proud sponsor. Meet the Herita team on site at booth A02.
“A new player enters the field of supply chain finance.”
06
Contact
Talk to us. Personally.
Start with a single supplier. No exclusivity, no upfront costs, no IT project.
Request a call
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