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Selling invoices has become one of the most effective solutions for companies looking to strengthen their liquidity, reduce administration and get paid immediately. Whether you run a limited company or a sole proprietorship, invoice purchasing can be a smart way to free up capital and create stability in your business.

Here we go over how invoice purchasing works, what it costs and where you can sell invoices – with a particular focus on companies in Stockholm and Mälardalen.

What is invoice purchasing?

Invoice purchasing means that you sell your customer invoices to a finance company and get paid immediately, instead of waiting 30–90 days for the customer to pay. The finance company takes over the risk and manages the entire process, allowing you to focus on your business.

This is especially valuable for companies that:

• Want to improve cash flow
• Has seasonal variations
• Want to avoid reminders and debt collection?
• Need quick financing without a loan

Sell invoices quickly – this is how the process works

Selling invoices quickly is easier than ever today. The process usually looks like this:

1. You submit the invoice
2. A credit assessment is made on your customer
3. You will be notified immediately.
4. Payment is made on the same day or the next banking day.

For companies that need quick liquidity, invoice purchasing is often much more convenient than traditional corporate loans.

Sell invoice in Stockholm – local support and fast service

For companies in Stockholm, the demand for invoice purchasing is high, especially among consultants, construction companies, transport companies and individual companies. By selling invoices, you get:

• Paid the same day you invoice
• Immediate liquidity
• Reduced administration
• Flexible solutions tailored to industry

Finans Partner offers invoice purchases throughout Sweden, but many of our customers are located in Stockholm and Mälardalen, where the need for quick liquidity is often particularly great in various industries.

How much does it cost to sell on invoice?

The cost of invoice purchases varies depending on various factors such as:

• Customer creditworthiness
• Invoice size
• Payment terms
• If you choose with or without recourse
• If you sell one or all invoices

Generally, the cost is between 1.5-41% of the invoice amount. For many companies, this is a low cost compared to the value of getting paid immediately and avoiding the risk.

Where can I sell invoices?

There are several players that offer invoice purchasing, but it is important to choose a partner who is:

• Transparent with prices
• Fast processing
• Serious and safe
• Adapted for both small and large businesses

Finans Partner works with companies of all sizes and offers invoice purchasing quickly, securely and without hassle.

Sole proprietorship – sell invoices without problems

Many people think that invoice purchasing only applies to limited liability companies, but individual companies can also sell invoices. For those of you who run a sole proprietorship, invoice purchasing can be an effective way to:

• Smooth out cash flow
• Manage periods of uneven income
• Avoid administration and reminders
• Get paid immediately after work is completed

This makes invoice purchasing one of the most flexible financing options for small business owners.

Why choose Finans Partner for invoice purchases?

Finans Partner offers a modern and personal service for companies that want to sell invoices quickly and securely. We help you with:

• Fast payout
• Clear terms and conditions
• Competitive prices
• Personal service
• Secure handling of your customers

We are here to strengthen your cash flow and give you more time for what really creates value in your business.

Ready to sell your invoice?

Contact us for a free review of your needs.
We help you find the best solution for invoice purchasing – whether you want to sell a single invoice or all invoices.

Selling invoices is an effective way to improve liquidity and get paid immediately. Many companies wonder how much it actually costs to sell invoices — the fee usually ranges between 1.5–4 % of the invoice amount, depending on the customer's creditworthiness, the invoice amount, and whether you want to sell individual or all of your customer invoices. 

What does it mean to sell an invoice?

When you sell an invoice, you get paid within 1–2 banking days, while the finance company takes over the risk and administration. This provides a more stable cash flow and reduces the time you have to wait for payments.

Selling invoices – cost example for a single invoice

Invoice amount: 50,000 SEK
Cost: 2,95 %
Charge: 1,475 SEK
Paid out: 48,525 SEK

A simple solution for companies that want to free up capital quickly — without taking out loans.

Selling invoices as a sole proprietorship

Individual companies can also sell invoices. It is a convenient way to get quick liquidity, especially in cases of uneven payment flows or when capital is needed immediately for new assignments.

Transfer invoice to debt collection

Do you have an overdue invoice?
We do not purchase overdue invoices, but you can hand over the invoice to a debt collection company and avoid the entire collection process. Our invoice purchasing customers receive help from us to handle this in a safe and efficient manner.

Why choose Finance Partner?

Fast payouts
Transparent pricing
Secure credit assessments
Suitable for both companies and individuals

Do you want to know exactly how much it would cost to sell your invoices? Contact us and we will prepare a quote tailored to your company.

Invoice purchase: How selling on invoice works

Selling on invoice is a fast and flexible way to strengthen your company's liquidity without taking out a loan. With invoice purchasing, you get paid immediately instead of waiting for your customers to pay. This provides a more stable cash flow and more flexibility for your company.

What is invoice purchasing?

Invoice purchasing means that you sell a customer invoice to a finance company and receive the money the same day or the next banking day. The finance company takes over the payment and handles any reminders and debt collection.

When is it appropriate to sell on invoice?

When customers have long payment times
When you need capital for new projects
When you want to avoid loans and credits
When you want to reduce administration

Advantages of invoice purchasing

Fast liquidity – up to 100 % directly
Flexibility – choose which invoices you sell
No debt – does not appear as a loan
Safe handling – we manage the process in consultation with you

Do you want to improve your company's liquidity?

Contact us and we will help you get started with invoice purchases and get paid immediately.

Small and medium-sized businesses account for a significant portion of Sweden's economic growth, but their everyday lives are often characterized by a challenge that is rarely visible to the outside world: liquidity. As payment times become longer, margins are squeezed, and credit processes take unnecessarily long, many companies find themselves in a position where they need faster and more flexible solutions to keep up with the pace.

We believe 2026 will be the year when demands for modern financing solutions increase — and where entrepreneurs expect more than traditional loans and slow processing times.

Longer payment times create larger liquidity gaps

In recent years, payment times in many industries have increased. For entrepreneurs, this means that money that has already been earned does not reach the account until much later. This creates unnecessary bottlenecks in the business and makes it difficult to plan for growth.

Invoice purchases and other liquidity solutions are therefore becoming increasingly important — not as emergency solutions, but as strategic tools.

Processes that are not built for today's pace and demand

Many players still work with credit processes that are tailored to larger companies and traditional loan products. For entrepreneurs who need quick responses and smooth flows, this becomes an obstacle.

We believe that by 2026, SMEs will expect:

• faster onboarding
• automated risk assessments
• clear and transparent terms and conditions
• solutions that integrate into their existing systems

This is where modern players can make a real difference.

Modern factoring is something completely different from yesterday's factoring

Invoice factoring has long had a reputation as a “last resort,” but that image is changing. With automated flows, better data, and smarter risk models, factoring can now be one of the most effective financing solutions for small businesses.

Properly designed, it provides:

• quick liquidity
• reduced administrative burden
• better cash flow
• opportunity to grow without taking out traditional loans

It's no longer about solving problems — but about creating opportunities.

Finance Partner: Part of the new generation of financing

At Finans Partner, we work to modernize how small businesses access capital. Through scalable systems, automated processes, and close customer relationships, we can offer solutions that are both fast and secure.

We believe that 2026 will be the year when entrepreneurs will place higher demands on their financing partners. We are ready to meet that development — and help companies grow on their own terms.

Stable cash flow is crucial for growth. But long payment times mean that many companies are stuck waiting for customer payments. When liquidity needs to be strengthened, the choice is sometimes between invoice purchasing and invoice financing – and the difference is greater than many people think.

🚀 Invoice purchase – fast liquidity without risk

When purchasing on invoice, you sell the invoice and receive the money immediately. The financial company takes over the risk and handling.

Advantages:
• Up to 100 % paid out instantly
• The finance company takes the entire credit and interest rate risk
• Minimal administration
• No recourse – does not affect the balance sheet

Invoice purchasing is a fast and safe solution for companies that want to grow without taking out new loans.

🏦 Invoice financing – more administration and greater risk

With invoice financing, you use the invoice as collateral for a loan. This means more work and greater responsibility.

Disadvantages:
• Only 70–80 % are paid out directly
• You remain with the entire risk until the customer pays
• The invoice remains on your balance sheet
• You are responsible for mailings, reminders and claims management
• More administration and credit checks
• Can work for larger companies with strong margins, but is often more expensive and time-consuming than many expect

🧭 Conclusion

Invoice purchases provide:
• Fast liquidity
• Less administration
• Lower risk
• Stronger cash flow

Invoice financing means:
• Lower payout
• More work
• Greater risk
• Mainly suitable for larger companies

👉 For most small and medium-sized businesses, invoice purchasing is the most efficient and cost-effective option.

At Finans Partner, we offer tailored solutions for invoice purchasing with a focus on speed, transparency and personal service.

Selling invoices is a strategic decision. But when is the right time?

Common situations where invoice purchasing is valuable:

• During growth – when you need capital to take the next step

• In case of uneven cash flows – to create stability

• In a recession – to reduce the risk of liquidity shortages

• When you want to avoid new loans – and still free up capital

Factoring is flexible and can be used when the need arises. By selling invoices, you gain control over your liquidity and can act on business opportunities in real time.

B2B e-commerce companies often grow quickly, but expansion requires capital. Inventory, marketing and logistics are costs that must be covered before revenue comes in. Here, invoice purchasing can be a crucial factor.

By selling invoices, B2B e-commerce companies gain access to liquidity immediately. This makes it possible to purchase larger volumes, launch campaigns, or expand into new markets without waiting for customer payments.

How factoring can support e-commerce:

• Finance warehouses and logistics in line with growth

• Create space for marketing campaigns

• Reduce the risk of liquidity shortages during rapid expansions

• Integrate digitally with billing systems for easy management

Invoice purchasing is not just a solution for cash flow – it is a strategic tool for growing faster and more sustainably.

Running a business often means balancing growth opportunities with limited resources. Long payment terms and uneven cash flow can quickly become a challenge. This is where invoice purchasing can be the solution.

By selling invoices, you free up capital immediately – without waiting for the customer to pay. This means you can invest in new projects, purchase materials or strengthen your workforce today. Factoring is not just for large companies, but a tool that gives small businesses secure liquidity from day one.

Benefits for small businesses:

• Quick access to capital for ongoing expenses

• Less dependence on bank loans or credit lines

• Stability in cash flow even with uneven invoicing

• More time to focus on customers and growth

Selling invoices is a simple and strategic way to create control over your finances – and give your business the right conditions to grow.

Starting in October, Finans Partner Scandinavia AB has chosen to provide its support to the Swedish Sea Rescue Society – a non-profit organization that saves lives along our coasts and lakes every year.

The Swedish Maritime Rescue Society is run by volunteers and is based entirely on donations and membership. Through our contribution, we want to contribute to increased maritime safety and demonstrate our commitment to community benefit and security – both at sea and in business.

Our CEO and founder Elias Aldrin is also an active member privately, which makes this initiative extra meaningful for us as a company.

🟡 We have now received a warm thank you from the Swedish Sea Rescue Society for our gift – something we are both happy and proud of.

👉 Read more about the work of the Swedish Sea Rescue Society at www.sjoraddning.se

Not all factoring solutions are created equal. Choosing the right partner to sell invoices is crucial to creating long-term liquidity and cash flow stability.

Five important factors to consider:

1. Transparency – clear terms and conditions, no hidden fees
2. Flexibility – ability to choose which invoices you sell
3. Speed – payment within 24 hours after invoice purchase
4. Customer service – personal contact and fast support
5. Digital flow – easy integration with invoicing systems

A good factoring partner is more than a financial service – it is part of your business strategy. Selling invoices should be easy, secure and value-adding.

As a consultant, your time is your greatest asset. Chasing payments, sending reminders, and waiting for payments can take focus away from what you do best. With invoice purchasing, you get paid immediately – and can focus on your assignments.

Consultants, freelancers and small agencies often have uneven cash flows. Selling invoices through factoring creates liquidity and stability, even when invoicing fluctuates.

Advantages of invoice purchasing for consultants:

• Get paid immediately – even with long payment terms
• Avoid administration around reminders and debt collection
• Create stability in cash flow – even with uneven invoicing
• Free up time for customer work, development and growth

Selling invoices is an easy way to create secure liquidity – and have more time for what really creates value.

Selling invoices via factoring does not have to negatively affect the customer relationship. On the contrary, it can create clarity, structure and professionalism in the payment flow.
Many companies worry about how factoring is perceived by customers. But with the right communication, it is easy to maintain – and even strengthen – trust.
How to communicate factoring to customers:

• Inform that an external partner handles invoices – for clarity and efficiency
• Emphasize that the terms and conditions are unchanged – it’s just the payment flow that’s handled differently
• Choose a factoring partner with a professional tone and clear communication

Customers appreciate structure and clarity. By selling invoices through a reputable factoring solution, you show that you have control over liquidity and cash flow – which also creates security for the customer.