Stockholm based fintech company Invoier continues to challenge the financing market with the purpose of creating better financial conditions for SMEs. The company is now launching a new index that identifies how well Swedish companies are at paying their invoices on time. The first report displays a break in the trend where larger companies pay on time early 2022, for the first time since 2016.

The new index, Invoier Payment Time Index, map out actual and contracted payment times between Swedish companies. In total the index is based on over 1.5 million invoices from more than 45 000 companies, from 2016 until today. The index points out the problem between small and large companies' payment behaviours, where the small often pays even ahead of maturity date and in reality can be forced into acting financiers to the larger companies, which in turn often pay after the due date.
Invoier Betaltidsindex™_ I vilken utsträckning betalar svenska företag i tid_

We exist to improve the financial conditions for small and medium-sized companies and believe an index that follow up on actual payment behaviour is crucial and therefore we are happy to be the first to introduce it. Invoier Payment Time Index is a measurement of the payment moral and payment times from larger companies simply has to be shortened if we are to be able to release the growth potential of Swedish SMEs.

Fredrik Mistander, CEO & Co-Founder Invoier

March 1 2022, the Swedish parliament legislated on a new, obligatory reporting of payment times from companies with 250 or more employees. The reporting requirements specifies that these companies will have to state contracted, as well as actual, payment time and the share of invoices which are paid after maturity date. This will all be accounted for separated by supplier company size (0-9 employees, 10-49 or 50-249). All reported data will be made publicly available.

The background is the uneven competitive situation that has developed between small and large companies, which contributes to hindering the growth of SMEs. Long payment terms from larger companies often turns to liquidity issues for the smaller suppliers, who don't have the same protection against credit losses and are dependent on fast payments, which negatively affects growth possibilities and new job openings.

This is a really good sign and also one verified by an analysis. The fact that large companies are starting to move towards a higher moral is very positive and will enable for all the smaller companies to 'survive' in times of war and concerns after the Covid pandemic.

Fredrik Sidahl, CEO FKG/Fordonskomponentgruppen

Invoier Payment Time Index is continuously updated and can be found at

About Invoier

Invoier has developed Sweden's only market place for invoices. The company's purpose is to improve the financial conditions for small and medium-sized companies and promote transparency and access to fair and competitive capital. The market place enables market adjusted pricing for SME financing and growth, as well as introducing a new asset class to investors. Invoier was chosen out of 4 000 companies for the Invoier was chosen out of 4 000 companies for the EU innovation program Horizon 2020 and recently launched the first, green factoring service Green Factoringwhich financially rewards companies that are making efforts to improve the environment.

För mer information

Fredrik Mistander

Fredrik Mistander


Press images

Fredrik Mistander, CEO & Co-founder Invoier
Fredrik Mistander, Invoier
Fredrik Sidahl, FKG
Fredrik Sidahl
Invoier Betaltidsindex™