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Invoice factoring is not just a way to improve liquidity – it also affects a company's key ratios and financial strength. For finance managers, it is important to understand how factoring affects the balance sheet and cash flow.

When you sell an invoice, you reduce your accounts receivable and increase your liquidity. This means you free up tied-up capital and improve several key metrics:

• Equity ratio – less tied-up capital in receivables results in a stronger balance sheet
• Cash flow – more available funds for current expenses
• Turnover rate – faster capital movement and better efficiency
  
  In addition, you avoid increasing your debt, which makes invoice purchasing an attractive alternative to loans.

Accounting tips:

• Check how factoring affects your income statement
• Collaborate with accountant for correct accounting of sales invoices
• Choose a factoring partner with clear reporting and transparency

Selling invoices is a strategic decision that strengthens the company's financial position – not just a solution for liquidity.

Factoring is a powerful tool for creating liquidity and cash flow stability, but it is still surrounded by several misunderstandings. Here we clarify what is true – and what is not.

”Factoring is expensive.”

No – the cost of selling invoices is often lower than alternatives like lines of credit, late payments or no-shows, and you only pay when you use the service.

”It looks bad to customers.”

On the contrary. Professional factoring creates clear routines and shows that you have your finances in order. It does not negatively affect the customer relationship – quite the opposite.

”It’s only for companies in crisis.”

Wrong. Many growth companies use invoice purchasing to free up capital and grow faster. Selling invoices is an active choice to create liquidity and stability.

”It’s complicated.”

Modern factoring solutions are digital, simple and transparent. You can sell invoices with a few clicks – and get paid the same day.

Factoring is a flexible tool for modern companies that want to have control over their liquidity and cash flow.

When growth opportunities arise, it's important to act quickly. Whether it's to secure a larger order, expand into a new market, or strengthen your team, access to liquidity is essential. Here, invoice purchasing can be a crucial factor – not just to solve cash flow, but as a strategic driver for growth.

By selling invoices, you free up capital immediately, without having to wait for customer payments. You avoid long lead times, banking processes and a burden on your balance sheet. Invoice purchasing gives you the opportunity to act on business opportunities in real time – with stability in cash flow as a foundation.

How invoice purchasing can support growth:

• Finance larger purchases without waiting for customer payments
• Scale up workforce in line with demand
• Invest in marketing, technology or expansion with fast liquidity
• Reduce dependence on bank loans and credit lines

Invoice purchasing is not a stopgap solution – it is an active choice for companies that want to grow with control, security and stability in cash flow.

The need for quick financing can arise when you least expect it: a large order, unexpected costs, or a sudden growth opportunity. But how do you access capital without getting stuck in a lengthy banking process?

Fortunately, there are now several alternatives to traditional bank loans – tailored to small businesses and quick needs. In this guide, we'll go over the most common ways to quickly get money to seize business opportunities or secure your business.

1. Invoice financing or invoice purchase (factoring)

If you have outstanding invoices but need the money now, factoring can be an effective way to increase liquidity. You get up to 98% of the invoice amount paid immediately, and the rest when the customer pays.

Suitable for: consultants, craftsmen, B2B services.

2. Short-term corporate loans

A traditional business loan can take time to obtain, but some digital players offer loans with approval within 24 hours. These loans are suitable for temporary needs and often have flexible repayment terms.

Suitable for: seasonal variations, promotions or occasional expenses.

3. Line of credit (overdraft)

A line of credit gives you access to a predetermined amount that you use when needed. You only pay interest on the amount used.

Suitable for: ongoing cash flow needs and unforeseen expenses.

4. Leasing and installments

If you need equipment, vehicles or machinery, leasing can be an alternative to loans. You don't tie up capital and don't have to burden your balance sheet.

Suitable for: investing in tangible assets without large expenses.

How to improve cash flow as a small business owner

Cash flow is the lifeblood of a business. Without stable cash flow, it doesn't matter how good your business idea is. Having control over cash flow is crucial to avoiding liquidity crises and being able to grow in line with demand.

Here are five smart ways to improve cash flow today:

1. Invoice directly and set clear payment terms

Send the invoice as soon as the job is done, and avoid unnecessarily long payment terms. 10 days instead of 30 can make a big difference.

2. Use reminders and timely debt collection

Don't wait too long to remind you of unpaid invoices. Automated systems make this easy and professional.

3. Improve inventory management

Don't tie up capital in products that don't sell. Keep track of what is being spent, and optimize your purchases accordingly.

4. Make a cash flow budget

A simple forecast for the coming months will help you anticipate downturns and prepare measures.

5. Sell invoices when needed

Do you need money right away? Selling invoices can be a temporary but effective solution to replenish your cash flow.

Financing a business is not just about covering expenses – it is about creating opportunities for growth, investment and stability. That is why corporate loan still one of the most used and available forms of financing for Swedish small businesses in 2025.

But how does a business loan work in practice? What types are there? And how do you choose the best option for your business? This guide goes through everything you need to know.

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What is a business loan and how does it work?

A corporate loan is a loan given to a registered company – a limited liability company, a partnership or a sole proprietorship – to finance business-related needs. It may be for:

• Invest in equipment
• Cover running costs
• Hiring staff
• Manage temporary liquidity problems

You repay the loan monthly with interest, and the terms of the agreement vary depending on the lender, risk and loan amount.

The difference from a personal loan? A business loan usually requires company information, a business plan and sometimes a personal guarantee.

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Different types of business loans

There are several types of corporate loan, depending on purpose and needs:

• Traditional bank loans: long-term loans with fixed interest rates
• Overdraft: flexible credit up to a certain limit
• Factoring: financing by selling invoices
• Leasing: long-term equipment rental
• Peer-to-peer lending: loans from investors via platforms

Which option is best for you depends on how much you need to borrow, how quickly, and what your financial history is like.

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What is required to get a business loan?

To get a corporate loan In 2025 you will typically need:

• Registered company (often at least 6 months old)
• Business accounts and accounting
• Turnover (often at least SEK 250,000/year)
• Any security (e.g. personal guarantee)

Digital loan platforms have made it easier than ever to apply online, and you often get a response within 24 hours.

Tip: always compare interest rates and loan terms – and have a clear plan for how the money will be used.

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Advantages and disadvantages of business loans

Advantages:

• Quick access to capital
• Preserves ownership (unlike venture capital)
• Flexible options for different needs

Disadvantages:

• Interest and fees
• Risk of personal liability when providing bail
• Can affect credit rating

A business loan is a tool – not a solution to all problems. Make sure it is part of a long-term plan.

Get help finding the right loan

Not sure where to start? On Finance partner You can compare options and get help finding the business loan that suits your business.

Want to know more about how we can help you? Contact us for a quote and get started with financing today

For many entrepreneurs, hiring a financial advisor, but it is often one of the most profitable decisions you can make. An advisor not only helps you keep track of your finances – but can contribute to tangible growth and reduced risk.

1. Keep an Eye on Cash Flow

One of the biggest challenges for SMEs is liquidity. An experienced advisor will help you understand where your money is going and how you can improve cash flow – for example by structuring payment terms, optimising inventory or sell invoices.

2. The Right Financing for the Right Need

Do you need a loan, a corporate loan, or a factoring solution? A financial advisor compares your options and finds the right solution based on your needs, growth plan and risk profile.

3. Risk Assessment and Safer Decisions

Choosing the wrong financing model can be costly. An advisor ensures that you assess risks correctly and make long-term sustainable choices.

4. Strategic Planning

Beyond the financial perspective, an advisor will help you set up a realistic plan for growth. This may include investments, expansion or new business models.

Do you want to make smarter decisions with the support of a professional partner? Contact finans-partner.se to book a free consultation.

Many companies today are faced with two important questions: how to raise capital quickly and how to create stability in cash flow? Two solutions are corporate loan and that sell invoice as a company. Both methods offer flexibility and improved liquidity without you having to give up ownership or control.

In this article we will go over how you can sell invoices quickly, how it works to sell invoices to other companies, and how to combine this with classic financing solutions such as loans.

Selling Invoice as a Business – How Does It Work?

Selling invoices means that you, as a company, transfer your accounts receivable to a finance company (factoring company). In return, you receive the money immediately, minus a small fee. This is an effective solution to improve cash flow without taking out a loan.

Why choose this path?

• You don't have to wait for the customer to pay.
• You reduce the risk of late payments
• You get liquidity to invest or cover costs

Especially for smaller businesses, this is a smart way to keep business running.

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Selling Invoices to Other Companies – A Flexible Form of Financing

When you sells invoices to other companies, it is usually done via a factoring company that takes over all or part of your invoice portfolio. The customer then pays directly to the factoring company.

This fits:

• Both B2B and consulting companies
• Companies with long payment periods
• Growth companies with rapid cash flow needs

It is important to choose a reputable provider and have clear agreements so that customer relationships are not negatively affected.

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Business Loans – A Classic But Powerful Solution

Corporate loans is still one of the most common ways to finance investments, expansion or buffers. Unlike invoice purchasing, you retain full control over the invoicing, but instead commit to a monthly repayment.

Advantages:

• You know exactly what you get and what it costs.
• Can be combined with other financing solutions
• Available for both short and long-term needs

Always compare interest rates, terms and the possibility of amortization freedom to find the best loan for your business.

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How to Choose the Right One Financing solution

If you need money quickly and have unpaid invoices – then it is wise to sell invoices quickly. However, if you need more capital to invest in growth, corporate loan more suitable.

Many companies choose to combine these two solutions depending on the season, project or cash flow.

Whether you want sell invoice as a business, looking for corporate loan, or quickly must sell invoices to other companies, there are options to suit different needs. The key is to compare and choose what works best for your business.

Visit finans-partner.se to get help finding the right financing solution for your business.

Cash flow and liquidity are crucial to a company's survival and growth, becoming issues such as invoice purchase, corporate loan and financial advice more relevant than ever. Whether you're running a startup or an established business, the right financial tools can make a big difference.

What is invoice purchase?

Invoice factoring means that you, as a company, sell your customer invoices to an external party, often called a factoring company. Instead of waiting for payment for 30 or 60 days, you get the money immediately – minus a small fee. This gives you immediate liquidity and the opportunity to continue investing in your business.

Advantages of invoice purchases:

• Quick addition to the cash register
• Reduced credit risk
• Less administration around requirements management

Corporate loans as a tool for growth

Business loans are another common method of financing growth. Whether you need to invest in machinery, recruit staff or expand into new markets, a well-structured loan can create the necessary conditions.

What should you think about?

• Compare interest rates and terms
• Review your repayment ability
• Use financing for long-term benefit, not short-term emergency solution

Financial advice for safe decisions

Choosing between different forms of financing can be difficult. Here, financial advice a crucial role. An experienced advisor will help you analyze your company's financial situation, identify risks and find tailored solutions.

How a financial advisor helps you:

• Identify the most suitable financing option
• Create a sustainable financial strategy
• Provide advice on investments, expansion and risk management

Summary

With the right tools and competent advice, you can take your business to the next level. Invoice purchasing gives you quick liquidity, while corporate loans enable growth. By combining this with strategic financial advice you are setting up a solid foundation for long-term success.

Visit finans-partner.se to read more and book a free consultation today.

Do you have customers who only pay after 30 or 60 days – but you yourself need money now? Then factoring could be the solution.

What is factoring?
Factoring means that you sell or mortgage your customer invoices to get paid immediately. This gives you faster cash flow and reduces the risk of liquidity problems.

Two common types:

1. Invoice financing – you maintain customer contact but receive part of the invoice amount directly.
2. Invoice sales – the factoring company takes over the invoice in full, including any risk.

Advantages:

• You don't have to wait for payments.
• Reduced administration.
• Safer liquidity – especially during growth or seasonal variations.

Factoring is not for everyone – but for many businesses it is a quick, convenient way to get cash when it is really needed.

Growth often requires capital. Maybe you want to invest in machinery, new staff or larger warehouses? Then a business loan can give you the boost you need – but it's important to choose the right loan for the right purpose.

What is a business loan?
It is a loan specifically for businesses, with different terms depending on the lender. You can often borrow from a few tens of thousands of kronor to several million.

When might it be worth taking out a loan?

• When you know that the investment leads to increased revenue.
• When you have stable cash flows but temporarily need extra liquidity.
• When you want to have control over your growth – instead of bringing in partners.

Consider this before you borrow:

• Compare several lenders – interest rates and terms vary widely.
• Calculate the repayment – can the company make it even if sales go down?
• Review collateral – sometimes a personal guarantee is required.

With the right strategy, a business loan can be a powerful tool for growth.

Running your own business is a dream for many – but it also means you have to keep track of your finances. Unfortunately, it is often the finances that small business owners shy away from tackling. Here are some simple tips that will make it easier to stay organized without losing motivation:

1. Separate your business and personal finances.
It's easy to get confused, but it can be a nightmare when it comes time to book or file taxes. A separate account for all of your company's transactions is a must.

2. Automate as much as you can.
Accounting systems, invoicing, receipt management – everything can be digitized today. It saves time and reduces the risk of errors.

3. Make a monthly budget and follow through.
Track your income and expenses every month. Small adjustments early on can prevent big problems later.

Taking control of your company's finances doesn't have to be difficult - it's about routines, structure and a little help along the way.