Liquiditas review
Configurable platform for buyer- and supplier-led early-payment programmes.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Liquiditas is configurable supply chain finance software for financial institutions launching programmes under their own brands and companies managing supplier early-payment programmes. Its mix of buyer-led and supplier-led financing options suits mid-market and enterprise teams that need more than one route to early payment. Buyers can approve invoices and set programme rules; suppliers can request early payment on approved invoices. Liquiditas provides the technology, while the institution or company operating a programme handles funding, credit policy and pricing.
The platform covers bank-funded reverse factoring, buyer-funded dynamic discounting and supplier-led receivables financing. Invoice approval workflows can include configurable approval steps, while supplier onboarding supports participation in programmes. Programme reporting and payment-status visibility help operators follow activity. ERP and plugin integrations connect programme workflows with business systems, and API integrations are available for core banking or lending systems. Multi-currency and multi-language support may be relevant to programmes operating across markets. This breadth is useful when a team wants several financing models in one platform; organizations seeking only a narrow invoice-approval tool may find the scope broader than needed.
Liquiditas is cloud-based and provides web access and an API. Role-based access controls and audit trails are among its workflow controls. The vendor says its hosting infrastructure provider holds ISO 27001 certification; this is not a certification claim about Liquiditas itself. The company also states it has notified Malta's MFSA of its intention to voluntarily surrender its Financial Institution licence, while saying its white-label and SaaS technology solutions continue. Pricing is handled through sales discussions, so buyers should discuss programme requirements and commercial terms directly. Consider Liquiditas when you need multiple financing models and integrations; teams that require a provider to supply funding or set credit policy should look to the programme operator for those functions.
Liquiditas pros and cons
- Where it wins
- Supports reverse factoring, dynamic discounting and receivables financing
- Combines invoice approval workflows with supplier onboarding and requests
- Offers ERP integrations and APIs for banking or lending systems
- Where it doesn't
- Pricing is available through sales discussions rather than published plans
- Funding, credit policy and programme pricing remain with the operator
- The vendor says it plans to voluntarily surrender its Malta financial licence
Liquiditas fact sheet, pricing and score →
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