About Invoier
Invoier is an EU-funded fintech company that provides a digital marketplace for invoices. Hitherto, this asset class has been exclusive to banks and factoring specialists, but Invoier is now opening it up to more investors and invoice sellers.
Our history
Invoier was founded on a simple observation: capital exists, but it rarely reaches the companies that need it most.
The problem our founders identified early on was never a lack of capital. It was a failure of infrastructure. Backed by the European Innovation Council (EIC) and in collaboration with the European Commission's Horizon 2020 programme, we set out to build something the market had never seen before: an open, data-driven marketplace where invoices are priced transparently and where competition benefits both the buyer and the seller.
We launched our marketplace commercially in 2023. Since then, we have connected growing companies with institutional capital, enabling them to grow faster, invest earlier and stop being held back by the gap between work done and payment received.
What we do
Invoier is an AI-driven capital marketplace that connects European businesses with institutional investors through automated invoice finance.
When an invoice is uploaded, our AI engine analyses it in real time: risk, payment behaviour and price are based on actual transaction data. The invoice is then automatically matched with the institutional buyer offering the best terms.
The result: capital in your account within 24 hours, without banking processes, security requirements, minimum volume or a lock-in period. For businesses, this means fairer access to capital and the opportunity to grow without being limited by payment cycles. For investors, it means a new, data-driven asset class with real-time risk analysis and scalable returns.
We are not just a funding tool, but the infrastructure that makes capital flow to where it is needed, faster and smarter than ever.
Our mission
Unlike traditional factoring, we operate a marketplace where buyers and sellers are matched in real time for the best possible price on your invoices. At Invoier, you as an entrepreneur are at the centre of everything we do.
Our goal is to create a market for more competitively priced invoice finance for businesses across Europe. We do this by revolutionising how business is done and thereby changing the conditions for how companies get paid. By combining industry-leading technology with our team's expertise, we serve entrepreneurs throughout Europe with efficiency, simplicity and reliability as our guiding principles.
Gaining control over your company's liquidity should feel secure and efficient, at market-standard prices.
Meet the management
Mats Holmfeldt
CEO
Extensive experience across financial services, fintech and growth companies, with a focus on building and scaling businesses at the intersection of capital, technology and real-economy needs.
Fredrik Mistander
Co-Founder
Serial entrepreneur with a passion for solutions that change and shake things up.
Anders Råge
Co-Founder - Compliance Officer
35 years of experience in leading and operational positions and assignments in banking and finance. Responsible for management and risk control.
Fredrik Severin
CO-FOUNDER - PARTNERS - CHAIRMAN OF THE BOARD
Special expertise in sales, marketing and general management in growth companies with a high technical profile.
We are hiring
We are growing and looking for new colleagues who want to help build the financing solutions of the future with us. At Invoier, you get to make a real impact, in a team where finance and tech meet – and where your contribution makes a difference from day one.
Our investors
Invoier is funded by the EU and the Royal Institute of Technology (KTH). The project has received funding from the European Union's research and innovation program Horizon 2020. We operate with permission from the Swedish Financial Supervisory Authority and the Swedish Integrity Protection Authority.
- Invoier AB
- Skeppsbron 18
- 111 30 Stockholm, Sweden
- Org. No. 559146 – 3327
- VAT: SE559146332701
- Holder of Swedish F-tax certificate