Focus on growth,
get paid today
Factoring
When the job is done, long payment terms shouldn't have to slow down your next deal. With Invoier, you can free up capital from your customer invoices and have the money in your account within 24 hours. Multiple capital providers can compete for the financing on our marketplace with competitive terms and no hidden fees, lock-in periods, or volume requirements.
How Invoier works
From invoice to growth capital
Connect your company
Getting started is quick. Once approved, you get immediate access to capital. No paperwork, no long-term commitments, no volume requirements.
Send in your invoice
Upload the invoice you want to finance. Our AI-driven platform instantly analyses risk, payment behaviour and pricing, and then prepares it for automatic matching.
AI matches the best buyer
Our marketplace automatically matches your invoice with the investor offering the most competitive pricing. No manual bidding, no buyer selection.
Funding secured
When the matching is complete, the transaction is closed automatically. The funds are transferred quickly and securely, giving you access to the capital you have already earned.
Our Enablers
How can you increase your revenues with us?
Each company is unique, but in most cases a combination of the following products will provide the best possible results.
Factoring
Sell your trade receivables and get paid instantly. With us, you can release capital from your trade receivables and get paid within 24 hours.
Purchase Financing
Extend the payment terms for your supplier invoices so that you get the time needed to deliver fully to your own customers.
Business Loan
Business loans are a flexible financing solution suitable for companies wanting to invest in growth without waiting for traditional bank processes.
AI-driven
Marketplace
Invoier's marketplace is based on multiple investors competing to finance invoices, with pricing set by real-time AI-driven risk analysis.
Traditional invoice finance relies on slow, manual credit assessments and processes. Invoier's platform continuously analyses transaction data, payment behaviour and market signals in real time, thereby building an up-to-date picture of risk. This enables faster decisions, more accurate pricing and a marketplace where investors compete for the opportunity to finance your business.
Book a meeting with our advisers
We provide you with tailored advice on financing structures based on your company's circumstances, completely free of charge.
What's happening at Invoier
Latest News
Podcast: We want to revolutionize factoring
Invoier's co-founder and CEO Fredrik Mistander is a guest on the podcast “Under femton” to discuss entrepreneurship and an idea that has received support from the EU. The Swedish fintech company Invoier was founded in 2018 and operates an ”invoice exchange”. The company has now secured 682...
InvestEU: EIF and Invoier sign €58 million guarantee agreement to facilitate access to finance for SMEs in Sweden
The new agreement will cover factoring, invoice trading, and loans to Swedish small and medium-sized enterprises. The project is supported by the InvestEU programme, which aims to mobilise more than €372 billion in additional investment over the period 2021–2027...
Payment Time Index 2022 confirms significant improvement towards quicker payment times
The payment time index for 2022 shows a confirmed trend break in Swedish companies' payment times. Large companies have become increasingly better at paying on time, while the smallest companies continue to be the very best payers. An overarching trend is that all company groups have become...
European Innovation Council (EIC) increases investment in Swedish fintech company Invoier
The EIC Fund identifies and invests in Europe's most promising start-ups with a focus on scaling up breakthrough innovations. Invoier is one of their investments and the EIC Fund is now increasing its holding in the company, making them one of the largest owners alongside the founders....
Steel- and metal industry much better at paying on time
From being the worst industry at paying on time this year, major improvements can now be shown in a relatively short time. An industry in stabilisation, despite tough times. Last spring, the finance company Invoier launched the Payment Time Index™ (Betaltidsindex™). The index maps...
Refurbly – a green growth journey
There are more mobile phones than people in the world. Refurbly grew out of the idea of combining the best of both worlds – more affordable mobile phones and less environmental impact! The man behind the idea is called David Lundgren Fetah, and after spending a few years renovating mobile phones himself in...
Ready to transform your business financing?
Try Invoier's marketplace and unlock the power of financial flexibility.