Viva.com Launches Tourism Factoring Service at HORECA Trade Show

Viva.com has launched a new banking service for tourism businesses at the HORECA 2026 exhibition, introducing reservation prepayments via factoring to help small and midsize seasonal enterprises secure working capital during the off-season. The European technology bank unveiled the service as a continent-wide first, specifically designed to address liquidity challenges faced by tourism operators before peak season begins.

The company is showcasing the innovative solution at HORECA 2026 in Hall 2, Stand 25, where representatives are engaging with tourism industry professionals. According to the announcement, viva.com operates in 24 countries and positions itself as Europe’s leading technology bank for businesses.

How Reservation Factoring Supports Tourism Businesses

The new service enables tourism enterprises to access funds tied to future reservations before customers arrive, providing crucial liquidity when preparing for busy operational periods. Through this offering, businesses can convert post-dated reservation payments into immediate working capital, allowing them to invest in essential resources without waiting for guest check-ins.

Additionally, the solution incorporates artificial intelligence to organize and automate the management of future reservation payments. This technological approach streamlines what has traditionally been a complex financing process for seasonal operators in the hospitality sector.

Addressing Cash Flow Challenges in Seasonal Tourism

The reservation prepayment service targets one of the sector’s most pressing operational challenges: maintaining adequate cash flow during the months leading up to high season. Tourism businesses often face significant upfront costs for staffing, supplies, and infrastructure improvements while waiting for revenue from confirmed bookings to materialize.

By unlocking capital earlier in the business cycle, the factoring solution aims to help seasonal enterprises avoid cash flow gaps that can limit their ability to prepare adequately. This approach allows businesses to leverage their future receivables as a financial asset rather than waiting passively for payment dates to arrive.

Viva.com’s Technology-Driven Banking Model

According to the company, viva.com’s technological infrastructure has positioned it at the forefront of innovation in business banking services. The platform has pioneered new payment acceptance solutions across Europe, building on its presence in nearly two dozen countries.

The factoring service represents an extension of the company’s technology-first approach to financial services for businesses. Meanwhile, the focus on small and midsize enterprises reflects growing recognition of the unique financial pressures facing seasonal tourism operators in the European market.

Industry Response and Implementation

The HORECA 2026 exhibition serves as the launch platform for the reservation factoring service, providing direct access to tourism industry stakeholders. However, details regarding adoption rates, pricing structure, or specific eligibility criteria for participating businesses have not been publicly disclosed.

The company’s team is using the trade show to share insights and expertise with tourism professionals interested in exploring the liquidity solution. In contrast to traditional financing options, the AI-powered automation aims to reduce administrative burden while accelerating access to funds.

Industry observers note that cash flow management remains a critical concern for seasonal tourism businesses throughout Europe, particularly as operators navigate fluctuating demand patterns and rising operational costs. The introduction of specialized factoring services tailored to reservation-based revenue models may offer an alternative to conventional credit lines or loan products.

The timeline for wider rollout of the reservation prepayment service beyond the initial launch has not been announced. Tourism businesses interested in learning more about eligibility and implementation details can connect with viva.com representatives at the ongoing HORECA 2026 exhibition or through the company’s digital channels.