Factoring

Invoier is the first transparent marketplace for invoice sales. This means there are numerous buyers in one and the same place competing to buy your particular invoice. Prices are driven down and you, as the invoice seller, get the best possible price. Invoier also handles the invoice administration towards your customers so that you don't have to. In addition to invoice financing, our risk engine helps to flag your company's invoices so that you can take action in good time if any of your customers are not expected to pay an invoice on time.

As an invoice seller, you pay no fees other than the amount you are paid. The amount you receive for the invoice is based on the current market price. On average, this is 97–99% of the invoice amount and depends, amongst other things, on how attractive your invoices are to the platform’s various buyers. Invoier’s services are non-binding; there is no cost to register and there are no notice periods if you decide to leave.
Invoier always strives to provide small and medium-sized companies with fair capital. That's why we have built the marketplace in a way that it is never beneficial for us if you were to have a high financial cost - instead, it's in our interest to make sure you get the best price possible!

Additional info about fees

Interest on late payments for your customers in the event of non-payment or late payment: 18 % per annum
Reminder 1 fee for your customers in the event of non-payment / late payment: 6 €
Reminder 2 fee for your customers in the event of non-payment / late payment despite a reminder: 6 €
Collection fee for your customers in the event of non-payment / late payment despite reminders: 45 €
Invoier’s transaction fee: from 0.3 % (subject to a minimum of 50 SEK excluding VAT)
Handling fee for unfunded invoices: SEK 50 excluding VAT.

The decision to sell an invoice is entirely up to you. Having an account with Invoier costs nothing, and you do not undertake to sell anything. No bindings, no hidden fees - we really only care that your company should be able to get as good a price as possible for the invoices you are considering selling.

For companies in the financial sector, there are special requirements for customer knowledge. When registering an account, we will therefore ask a couple of questions regarding your business. By automatically retrieving information about your company, we have designed the process so that it is experienced as simple and fast as possible for you. You confirm whether the information about your company is correct and answer a few additional questions (financing needs, expected invoice sizes, etc). Invoier's KYC process follows the requirements of the Act (2017: 630) on measures against money laundering and financing of terrorism and the Swedish Financial Supervisory Authority's regulations (FFFS 2017: 11) on measures against money laundering and financing of terrorism and follows the same structure that most institutions apply in their more or less automated KYC processes.