Purchase and sale financing: compror, vendor and confirming

What it is

These are operations that finance the supply chain in both directions: on the purchase side (the company pays the supplier upfront with bank money and pays in installments) and on the sale side (the customer pays in installments and the company receives upfront). They improve price and term negotiating power without unbalancing cash flow.

The three modalities

• Compror: the bank pays the supplier upfront and the company takes a loan with a longer term - see the Compror product sheet (in Portuguese).
• Vendor: the company sells on terms and receives upfront; the buyer pays the bank - see the Vendor product sheet (attention: the company usually acts as guarantor).
• Confirming: the company offers suppliers anticipation of their receivables at a rate based on its own risk - see the Confirming product sheet.

When to use

• Purchases with upfront discounts larger than the financing cost;
• Sales to customers who ask for terms without freezing your cash;
• A chain of small suppliers that need liquidity at a lower cost.

Source: Tecbank guide on the modality, with products verified against official sources on November 2, 2026.