Investing in invoices

Invest in a whole new asset class and get great returns – while helping SMEs grow faster.

Via Invoier's marketplace, wealth managers, banks, pension funds and other investors can invest in European invoices - an asset class that factoring companies have traditionally had exclusive rights to. Your investment leads to a healthier and fairer market for invoice financing, which strengthens economic growth by creating better conditions for SMEs to become more competitive

Bestäm risknivån

A company has an invoice that they wish to have financed in order to advance the cash flow

Korta löptider
You invest by buying the invoice at a lower price than the invoice amount.
Ingen administration

When the invoice recipient pays, you will receive the entire invoice amount (incl. difference and possible late payment interest)

Invoier handles all administration and customer contact. You remain an anonymous funding partner

Why invest in invoices?

Bestäm risknivån

Decide level of risk

Our risk assessment AI engine will provide you with a flexible option and recommendation based on the level of risk you prefer. This means you don’t need to have any previous knowledge about factoring to invest successfully

Korta löptider

Short durations

Your money will only be locked for 30-120 days

Ingen administration

No administration

Trading in invoices should be easy. That’s why Invoier will handle all invoice administration

Hållbart stöd

Sustainable support

By investing in SME invoices on fair terms you are actively contributing to a better European business climate and the conditions for SMEs

Detailed service description
for investors

    1 829 bn €
    European factoring volumes
    Avr. annual growth rate, European factoring market
    4 120 €
    Avr. invoice amount on the spot market
    32 days
    Avr. outstanding investment duration per traded invoice on the spot market

    Invoier & our history

    Invoier is an
    EU-backed initiative
    Invoier is an EU-funded fintech company providing a scalable digitized marketplace for anonymous global trade of invoices. Until now, this asset class has been exclusive to banks and factoring specialists. But Invoier takes it to a new level by enabling new types of investors to access the asset class. As an investor, you get a good, stable and risk-adjusted return without any need to be responsible for invoice administration.

    Using invoices as a means of accessing working capital (commonly referred to as factoring) is an extensive market. In the EU, factoring has a turnover of 1,829 billion euros. In Sweden alone, the turnover corresponds to 25 billion euros. Enabling better conditions for financing, and thus improving the chances of small and medium-sized enterprises to release untapped growth, benefits society as a whole. In fact, when Invoier can lower prices by just 1%, it equates to +300,000 new jobs at EU level.


    How it all began

    The Invoier journey started at KTH Innovation with the idea to create a service that would challenge current structures for company financing, focusing on invoices.

    Having experienced the challenges that come with running your own business, the importance of liquidity and how complex it can be to get access to capital for growth, Invoier's founders decided to create a change.

    Ever since the start, the aim has always been to improve the conditions for small- and medium-sized companies looking for easy access to working capital – but on fair terms!

    The technical basis for the offer consists of a unique AI-based risk assessment method which, with an accuracy of over 93%, provides answers to both IF and WHEN an invoice will be paid. This enables completely new and safer conditions for investors who want to achieve a good return at a calculated risk.

    Our founders

    The founding partners at Invoier have a strong background in financial services, tech and startups and consists of Fredrik Mistander, serial entrepreneur with a background in tech, Anders Råge, previously vice-President at Nordnet and Fredrik Severin, experienced in VC/PE investments and fund management.

    Getting in touch

    To learn more about how to get access to investing in invoices, please get in touch with founding partner Fredrik Severin