Boost the company's liquidity with factoring via Invoier

A stable cash flow strategy is crucial for any business, regardless of size or industry. An effective way to release capital and strengthen liquidity is through factoring.

With factoring via Invoier, businesses get a smooth, secure and digital solution that provides quicker access to capital – without having to wait 30, 60 or 90 days for customer payments.

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What is factoring – and how does it work with Invoier?

Factoring involves a company selling its customer invoices to quickly free up cash. Through Invoier's digital platform, invoices can be sold at the market's best price, with creditworthy investors providing the financing. The process is simple and transparent: the invoices are uploaded, those to be sold are selected, and payment is made the same day.

Benefits of factoring via Invoier

Invoier has developed an open and competitive platform where multiple investors
bids on invoices, which gives business owners better terms, higher prices and full control over
sales. Some of the benefits of Invoier's factoring:

● Immediate liquidity: payment is made on the same day the invoice is sold.

● Flexibility: Ability to choose which invoices are sold and when.

● Transparent pricing: Competition between investors provides the best possible terms.

● No long-term commitment: Invoier offers flexible terms with no requirement for fixed volumes.

● Reduced credit risk: When an invoice is sold via Invoier, the investor assumes the credit risk.

Instant Payout

Don't wait for your customers to pay. Sell your invoices to get paid faster

Improved liquidity

Better cash flow means solved liquidity challenges and that your money can be used smarter

Competitive prices

A competitive marketplace with many different financiers means you get paid more for your invoices

Automatic invoice management

Skip reminder processes and other invoice administration. Invoier handles it for you

Fair & Flexible

Sell single invoices or all of them continuously. We don’t apply any fixed costs, hidden fees or weird terms

High financing rate

Many different financiers that you can be matched with increases the likelihood that a higher percentage of invoices can be financed

Being able to offer customers the payment times they are used to is a must, but it places great demands on a really efficient cash flow. I want to use our money not just once or twice per month, but maybe four or five times!

Patrik Embermark

MD & founder, Enter Sales & Distribution

How factoring works

Who is factoring via Invoier suitable for?

Factoring via Invoier is ideal for small and medium-sized enterprises looking to strengthen their

cash flow, manage temporary liquidity requirements or grow without tying up capital.

The service is suitable for both well-established companies and start-ups looking to invest

into new business opportunities, staff or materials – without having to take traditional

bank loan.

Why choose Invoier over traditional factoring companies?

Invoier offers a digital marketplace where multiple financiers compete to

buy the company's invoices. Instead of standing for the financing themselves, Invoier collects

various financiers who, through competitive bidding, secure better prices and terms for companies.

Thanks to this model, companies get a fast and transparent process, where all contact

and administration is handled directly through Invoier.

How businesses get started with factoring via Invoier

Starting to use factoring via Invoier is easy. Create an account on Invoier's

website, verify your business and upload invoices. Within a few minutes, quotes from

funds can be raised from several investors and payment made on the very same day.

Summary

Factoring via Invoier is a flexible and effective solution for businesses looking to free up

capital and strengthen their liquidity. With a modern platform and competitive pricing

and with full control over the process, Invoier is a smart alternative to traditional

factoring services.

Sell single or multiple invoices with Invoier Flex

Continued price pressure

We continue our work to expose the marketplace's financing terms to competition so that you get even better financing terms for your invoices.

FAQ

We already use invoice financing today. Why switch to Invoier?

Invoier is the first transparent marketplace for selling and buying invoices. This means that there are lots of buyers in one and the same place who compete to buy your invoice. Prices are pressed and you as the seller get the best price possible. Invoier also handles invoice handling and collection from 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.

What does it cost?

As an invoice seller, you pay no fees other than the amount you receive. 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 no notice period if you decide to leave. Invoier strives to always provide small and medium-sized enterprises with competitive and fair access to capital. That is why we have designed the marketplace so that we never benefit from high financing costs for you – rather, it is in our interest to ensure you receive the best possible payment for your invoices! Other useful information about fees. Interest on arrears for your customers in the event of non-payment or late payment: 18% per annum Reminder fee 1 for your customers in the event of non-payment or late payment: 60 SEK Reminder fee 2 for your customers in the event of non-payment or late payment: 60 SEK Debt collection fee for your customers in the event of non-payment or late payment despite reminders: 450 SEK Invoier transaction fee: from 0.3% (minimum 50 SEK excl. VAT) Handling fee for non-financed invoices: 50 SEK excl. VAT.

Do I have to sell invoices if I sign up?

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.

What is needed to be able to use Invoier's services?

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.

See more frequently asked questions

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