A win-win solution for buyers and suppliers.



For many corporate clients, the issue of optimising working capital has moved to the top of the agenda. Safeguarding sufficient liquidity headroom, improving financial results and securing a stable supply chain are central concerns for customers and their suppliers.

There is, however, a "natural" conflict of interest between customers and suppliers regarding the agreement of payment terms. Suppliers seek to be paid as early as possible, while customers wish to pay as late as possible. ErsteConfirming helps to solve this conflict – to the advantage of both partners.

ErsteConfirming is an easy-to-use, fully automated payment transaction product for confirmed and as yet outstanding invoices. It provides the option of advancing these invoices prior to due date – against a corresponding discount on the invoiced amount. For clients, who want to make use of their Skonto conditions and at the same time pay at the end of the payment term, we provide the specific ErsteConfirming Skonto option. Our consultants will inform you more in detail on this version.

The process is simple and straight forward, fully atomised through the web-based platform, and easy to adapt for any specific requirement:
Suppliers may choose either to process all their invoices automatically via ErsteConfirming or just on a case-by-case basis. It is applicable for national as well as for international trade, therefore having nearly no limitations on amounts or currencies. The supplier doesn't even need an account with Erste Group, nor is a bank limit or loan agreement needed.


ErsteConfirming benefits for suppliers:

  • A quick, easy, and flexible financing system
  • Improvement of liquidity and financial ratios
  • Improved cash flow management
  • Lower financing costs
  • Credit risk insurance

ErsteConfirming benefits for buyers:

  • Safer supplier base and supply chain stability, improved supplier relations
  • Better negotiation position with respect to the supplier
  • Option of extending payment terms
  • Positive effect on key financial indicators and rating
  • Simplified payment management

Here you will find some more information:

Product information



ErsteConfirming: Erste Group Supply Chain Finance in detail

Since 2009 Erste Group Bank AG and CaixaBank, S.A., employ a strategic business cooperation through which clients of both banks benefit from special products and services aimed at facilitating access to banking solutions in each bank’s region.

ErsteConfirming is a special, web-based financial-administrative cash management and financial service tool offered by Erste Group in cooperation with CaixaBank. Erste Group’s clients will benefit from CaixaBank’s experience with supply chain financing. The CaixaConfirming platform has operated successfully for more than 10 years and has therefore given thousands of active clients the opportunity to advance payments to countless domestic and international suppliers.

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Further information for buyers

Dagmar Koch

Head of Group Large Corporates Intermarket

Sebastian Posch

Senior Relationship Manager Intermarket

Further information for suppliers

ErsteConfirming Helpdesk

+43 (0)5 0100 – 11111