Financing your invoices on demand

A 100% online solution that turns a B2B customer invoice into cash, with eligibility checked in 1 minute and funding within 24 hours*.

Developed by Société Générale Factoring, Avance Facture provides fast and flexible invoice financing with no long‑term commitment and full cost transparency. The entire experience is digital and designed for professionals and very small businesses (VSBs).

Professionals and very small businesses who are Société Générale clients and operate in a B2B environment.

Avance Facture targets small businesses facing occasional cash‑flow needs, extended payment terms, or irregular business cycles. It is particularly suitable for professionals and VSBs who want to finance invoices on a case‑by‑case basis without setting up a traditional factoring agreement.

No commitment, no receivables management, invoice‑by‑invoice financing, while maintaining the customer relationship.

Traditional factoring is generally designed for large volumes and involves a structuring contract. Avance Facture offers a simple and immediate alternative: you choose the invoice and finance it only when you need liquidity.

Access your Société Générale online banking space, receive an instant decision, and get funds within 24 hours* by bank transfer.

• Log in via your Société Générale online banking space
• Upload the B2B invoice to be financed
• Automated analysis and verification of the invoice and debtor
• Instant decision and funds made available within 24 hours*
• Simple journey: almost no documents required; identification via SIREN and automatic data collection

Eligibility in 1 minute, funding within 24 hours*.

Funds are transferred within 24 hours*, depending on applicable conditions and banking processes.

In most cases, the SIREN number is sufficient, although additional documents may be required for certain activities.

Once the company is identified via its SIREN, the algorithm assesses eligibility based on available data.

Yes, you choose the repayment date.

The solution offers a flexible process: you finance invoices as needed and select a repayment period suited to your cash flow, within a maximum duration of 15 days after the invoice due date.

Directly from your Societe Generale online banking space, Financing menu, 100% online. More information available.

No assistance is required. The solution is integrated into your ProgelianceNet online banking space (Financing menu) and Vizup.

0.05% of the financed amount per day, with no subscription fees.

The cost is fixed and displayed upfront during the simulation. No usage means no fees: you only pay when an invoice is financed.

No.

The all‑inclusive cost is known from the simulation stage (0.05% per day). No subscription fees and no additional charges apply.

B2B (professional) invoices.

Invoice Advance is designed for invoice‑by‑invoice financing in a B2B context. Eligibility criteria may apply based on invoice analysis, debtor profile, and risk assessment.

No, the solution is reserved for Société Générale professional and VSB clients.

Non‑clients are encouraged to contact a Société Générale advisor to learn about access conditions and possible future developments.

Yes, exclusion criteria apply, along with client‑specific financing limits.

Amounts, invoice types, or debtor profiles may be subject to internal rules. The simulation in your Société Générale online banking space provides an immediate and quantified response. Financing limits are individualized and evolve as the business grows.

There is no commitment. Simply stop submitting new invoices 

The solution allows for occasional or seasonal use with no constraints.

Yes, each financed invoice benefits from coverage against customer default risk.

This guarantee secures businesses by providing immediate financing while reducing exposure to non‑payment in case of debtor default.

Data encryption, GDPR compliance, PSD2 compliance, ISO 27001 certification.

API integration within Société Générale’s digital environment ensures a secure and seamless user journey. The highest banking standards apply: data encryption, GDPR compliance, PSD2‑compliant banking connections, and ISO 27001‑certified infrastructure.

Speed, simplicity, smooth experience, and real cash‑flow impact.

"An extremely easy‑to‑use and seamless tool… no time wasted on heavy procedures… an excellent time‑to‑benefit ratio."