I det andra avsnittet av Fakturaköpspodden möter Elias Aldrin företagaren och entreprenören Teo Dimitriadis från webbyrån Webgiant.

Tillsammans pratar de om hur företag kan bygga digitala lösningar som skapar riktiga resultat — från kundresor och konvertering till motivation, misstag och smartare digital närvaro.

Ett avslappnat och värdefullt avsnitt för alla företagare som vill stärka sin digitala synlighet.

I vårt första avsnitt går vi igenom hur fakturaköp faktiskt fungerar, vilka fallgropar företagare bör undvika och hur marknaden förändras under 2026.

Du får konkreta insikter, riktiga exempel och ett tydligt ramverk för att fatta smartare likviditetsbeslut i din verksamhet.

Det här avsnittet är perfekt för dig som vill förstå hur fakturaköp kan användas strategiskt — inte bara som en snabb lösning, utan som ett verktyg för att skapa stabilitet och bättre kassaflöde.

Säsongsföretag får ofta ojämnt kassaflöde. Här förklarar vi hur fakturaköp skapar stabil likviditet året runt – utan lån eller att behöva gå i eller betala för ”personlig borgen”

Säsongsvariationer skapar likviditetsutmaningar

Många svenska företag arbetar i branscher där intäkterna varierar kraftigt över året. Bygg, mark & trädgård, event, konsultbolag, transport och flera andra verksamheter har perioder med hög belastning – och perioder där intäkterna nästan står still.

De präglas dessutom ofta av:

längre betalningstider
ökade kostnader för material och personal
fler kunder som betalar sent
högre krav på likviditet för att kunna ta nya uppdrag

Resultatet blir att många företag får likviditetsproblem i fel del av året – trots att verksamheten egentligen är lönsam.

Här blir fakturaköp en strategisk lösning.

Varför fakturaköp passar säsongsföretag perfekt

Fakturaköp innebär att företaget säljer sina kundfakturor och får betalt direkt. För säsongsbaserade företag är detta extra värdefullt eftersom det:

jämnar ut kassaflödet över året
frigör kapital när intäkterna är som lägst
gör det möjligt att täcka löner, inköp och förskottskostnader
minskar beroendet av företagslån och kreditlinor
eliminerar behovet av personlig borgen

Det är en flexibel lösning som används endast när behovet finns, vilket gör den idealisk för företag med toppar och dalar.

Branscher som gynnas extra bra av fakturaköp

Bygg & entreprenad
Långa betalningstider och stora materialinköp gör likviditeten extra känslig.

Mark, trädgård och anläggning
Högsäsong på våren och sommaren – men kostnader året runt.

Event, mässor och produktion
Intäkter i projektform, ofta med stora förskottskostnader.

Konsultbolag
Projektbaserade toppar och långa betalningsvillkor från större kunder.

Transport & logistik
Höga bränslekostnader och ojämna volymer.

Gemensamt för alla dessa branscher är att likviditeten inte följer arbetsbelastningen – vilket gör fakturaköp till en naturlig lösning.

Så fungerar fakturaköp i praktiken för säsongsföretag

Ni utför ett uppdrag och skickar fakturan till Finans Partner.
Ni får betalt samma dag.
Vi tar över väntan på betalningen från er kund.

Ni använder tjänsten endast när ni behöver den – exempelvis:

inför högsäsong när ni behöver köpa in material
under lågsäsong när intäkterna är lägre
vid stora projektstarter
när kunder betalar sent

Det skapar ett kassaflöde som är förutsägbart, stabilt och tryggt.

För säsongsföretag är detta avgörande:
Ni slipper ta lån för att täcka perioder med svagare intäkter.

Checklista: När ska ett säsongsföretag använda fakturaköp?

När ni behöver kapital inför högsäsong
När ni har stora projektstarter
När kunder betalar sent
När ni vill undvika lån och borgen
När ni vill växa utan att riskera likviditeten
När ni vill jämna ut kassaflödet över året

Sammanfattning: Stabil likviditet året runt – utan lån och utan risk

För säsongsbaserade företag är likviditet ofta den största utmaningen. Fakturaköp gör det möjligt att:

få betalt direkt
undvika likviditetsdippar
slippa lån och borgen
take on more assignments
växa tryggt och kontrollerat

Det är en smart, flexibel och modern finansieringslösning för företag som vill ha stabilitet året runt.

Do you want to know what invoice purchasing would cost for your company?

Kontakta oss så får du ett snabbt och tydligt besked – utan bindning och utan dolda avgifter.

Vidare läsning:

Sell your invoices quickly and easily with Finans Partner – free up capital immediately

Invoice purchasing during growth – this is how companies handle increased volumes without taking out loans

Sena betalningar i företag – därför väljer allt fler företag att sälja faktura

Nystartade företag har ofta starka idéer men svagare kassaflöde. Långa betalningstider kan snabbt bromsa tillväxten – särskilt när kunder betalar efter 30, 45 eller 60 dagar. Fakturaköp är därför en av de mest effektiva lösningarna för att frigöra kapital direkt och skapa stabilitet från dag ett. Här går vi igenom exakt hur fakturaköp fungerar för nystartade företag, vad det kostar och när det är rätt val.

Varför nystartade företag väljer fakturaköp
Nystartade bolag har ofta tre utmaningar:
Oregelbundet kassaflöde
Begränsat kapital
Kunder som betalar efter 30-60 dagar

Fakturaköp löser alla tre genom att företaget får betalt direkt när fakturan skickas – inte när kunden betalar.

Det betyder:
Mer stabilitet
Mindre stress
Bättre förutsättningar att växa med balans

Så fungerar fakturaköp via Finans Partner – steg för steg

1. You send us your original invoice as a PDF.
2. We perform a credit assessment of your customer who will pay the invoice.
3. The money will be deposited into your account the same day.

För nystartade företag är detta extra värdefullt eftersom du slipper ligga ute med pengar.

Vad kostar fakturaköp för nystartade företag?
Kostnaden beror främst på fyra faktorer:

Customer creditworthiness
Invoice size
Payment terms
Branschens risknivå

För nystartade företag ligger priset vanligtvis på 1.5–4 % of the invoice amount.
Det är ofta betydligt billigare än:

Corporate loans
Att vänta på pengar i 30–60 dagar
Att hantera sena betalningar själva

När är fakturaköp rätt val för ett nystartat företag?

Det passar särskilt bra om du:

Har kunder som betalar sent
Vill slippa likviditetsstress
Vill växa utan att ta lån
Har stora utlägg innan du får betalt
Vill ha stabilitet från dag ett

Extra vanligt i branscher som:

Konsultbolag
Bygg & entreprenad
Transport
Reklam & media
E‑handel B2B

Vanliga missförstånd bland nystartade företag

“Fakturaköp är dyrt.”
Nej, det är ofta billigare än lån och sena betalningar.

Det påverkar kundrelationen negativt.
Nej, Inte om det görs professionellt. Seriösa aktörer hanterar kunder korrekt och transparent.

Det är krångligt.
Det är en av de enklaste finansieringslösningarna för nya företag.

Fördelar med fakturaköp för nystartade företag

Fakturaköp ger nystartade företag en rad konkreta fördelar:

Ni får betalt direkt – inga 30–60 dagars väntetider
Stable cash flow – enklare att planera inköp, löner och löpande kostnade
Ingen kreditrisk – factoringbolaget tar över risken
Less administration – Ni slipper påminnelser och krav
Snabbare tillväxt – kapital frigörs direkt när du fakturerar
Bättre förhandlingsläge – Ni kan ta fler uppdrag utan att oroa er för likviditeten

För många nystartade företag är detta skillnaden mellan att överleva och att växa.

När ska nystartade företag undvika fakturaköp?
Fakturaköp är inte optimalt i alla situationer. Det ”kan” vara mindre lämpligt om:

Ni säljer till privatkunder (B2C)
Ni fakturerar mycket små belopp
Era kunder har mycket svag kreditvärdighet
Ni har mycket låga marginaler där varje procent räknas

Summary
Fakturaköp är en av de mest effektiva finansieringslösningarna för nystartade företag 2026.
It gives:

Fast liquidity
Mindre risk
Stabilare kassaflöde
Bättre förutsättningar att växa utan lån
Ni väljer själva vilka fakturor som ska säljas

För företag som vill ha trygghet och kontroll från start är fakturaköp ofta det bästa valet.

Allt fler svenska företag väljer att sälja fakturor för att förbättra likviditeten och slippa långa betalningstider eller kunder som betalar sent. Fakturaköp och factoring har blivit en del av moderna alternativ för företagsfinansiering, särskilt i en tid där kassaflöde är avgörande för både tillväxt och stabilitet.

Men trots att fakturaköp är enkelt i teorin, gör många företag misstag som leder till onödiga kostnader, sämre villkor eller till och med sämre kundrelationer. I den här guiden går vi igenom de vanligaste misstagen – och hur du undviker dem.

Att välja factoringpartner enbart baserat på pris

Många företag söker “billigaste fakturaköp” och jämför endast procenten i offert.
Det är ett vanligt misstag.

Varför?

Kostnaden för fakturaköp handlar inte bara om procentsatsen. Det handlar om:

eventuella ”dolda avgifter”
uppläggningskostnader
minimiavgifter
krav på volym
bindningstid
hur snabbt du får betalt
hur kundrelationen hanteras

Ett lågt pris kan i praktiken bli dyrare om villkoren är otydliga.

Så undviker du misstaget

Välj en partner som är transparent, snabb och utan dolda avgifter.
Företag som säljer fakturor vill ha trygghet – inte överraskningar.

Att sälja fakturor utan att kontrollera kundens kreditvärdighet

När du säljer företagets faktura tar factoringbolaget ofta över kreditrisken.
Men många företag glömmer att kreditvärdigheten påverkar:

priset
om fakturan kan köpas
hur snabbt du får betalt

Så undviker du misstaget

Gör en enkel kreditkontroll innan du skickar fakturan.
Det sparar tid och ger dig bättre förhandlingsläge.

Att sälja fakturor för sent i processen

Vissa företag väntar tills likviditeten redan är ansträngd.
Då blir fakturaköp en nödlösning istället för ett strategiskt verktyg.

Så undviker du misstaget

Planera fakturaköp som en del av kassaflödesstrategin.
Det ger stabilitet och bättre villkor.

Att inte förstå skillnaden mellan fakturaköp och fakturabelåning

Många företag blandar ihop begreppen.

Invoice purchase

Du säljer fakturan och får betalt direkt. Ingen skuld uppstår.

Invoice financing

Du lånar på fakturan och står kvar med kreditrisken.

Så undviker du misstaget

Välj fakturaköp när du vill ha:
quick liquidity
ingen risk
enkel administration

Att inte räkna på den verkliga kostnaden

Företag fokuserar ofta på procenten – men missar helheten.

Den verkliga kostnaden påverkas av:

hur snabbt du får betalt
hur mycket tid du sparar
minskad administration
minskad risk för kundförluster
möjligheten att ta fler uppdrag

Så undviker du misstaget

Räkna på totalkostnaden, inte bara procentsatsen.
För många företag är fakturaköp billigare än sena betalningar.

Att välja en partner som inte värnar kundrelationen

Detta är ett av de största misstagen.

En dålig factoringpartner:

skickar hårda påminnelser
kommunicerar otydligt
skapar irritation hos dina kunder

Så undviker du misstaget

Välj en partner som arbetar med respektfull och professionell kundkontakt.
Det stärker relationen istället för att skada den.

Att inte utnyttja möjligheten att sälja fakturor löpande

Många företag säljer fakturor “ibland”, men inte som en del av sin likviditetsstrategi.

Fördelar med att sälja fakturor löpande

jämnare kassaflöde
enklare planering
less administration
snabbare tillväxt

Hur Finans Partner Scandinavia AB hjälper företag undvika misstagen

Vi arbetar med:
snabba och trygga fakturaköp
inga dolda avgifter
personlig kontakt
transparent prissättning
respektfull kundhantering
flexibla lösningar utan bindningstid

Företag som säljer fakturor via Finans Partner får en partner som prioriterar trygghet, stabilitet och långsiktighet.

Summary

Att sälja fakturor är ett smart sätt att stärka kassaflödet – men bara om det görs rätt.
Genom att undvika de vanligaste misstagen kan företag få:

bättre villkor
snabbare betalning
starkare kundrelationer
stabilare ekonomi

Fakturaköp är inte bara en finansieringslösning – det är ett verktyg för att skapa trygg tillväxt.

2026 is a year where many companies are taking an aggressive approach. New deals, increased volumes and more opportunities mean that strong cash flow is more important than ever. Here are some strategies companies can use to strengthen liquidity and create more stable growth – without taking unnecessary risks or borrowing.

Shorten the time between invoicing and payment using invoice purchasing

One of the easiest ways to improve cash flow is to reduce the time between delivery and payment.
Companies that succeed in this will receive:
faster capital into the business
better planning skills
less dependent on loans
Digital invoices, clear payment terms and automatic reminders make a big difference.

Optimize payment terms

Many companies have payment terms that are no longer optimal.
shorter payment times
more installment payments in projects
faster approval processes
Small adjustments can have big effects on cash flow.

Use invoice purchasing as a growth engine

More and more companies are using invoice purchasing to free up capital immediately when the invoice is sent.
It gives:

stable liquidity
opportunity to take on more assignments
security during growth
less administration
For companies that are growing rapidly, this is often the most flexible and effective solution.

Automate financial flows

2026 is the year when many companies will transition to more modern systems such as:
automatically matches invoices
sends reminders
analyzes cash flow in real time
This saves time and reduces the risk of errors.

Build a buffer for growth

A liquidity buffer allows companies to:
take on bigger projects
manage seasonal variations
Companies that work long-term with their buffer (equity) are stronger when new opportunities arise.

Choose partners that strengthen the economy

Surrounding yourself with the right partners is one of the most underestimated factors for strong cash flow.

This applies to both:

Suppliers
customers
financing partners

A partner who offers fast service, clear terms and market prices makes a big difference.

How Finans Partner helps companies grow in 2026

Finans Partner works with companies that want to:

grow faster without more bank loans
get more stable liquidity during e.g. expansion
reduce administrative burden
create security in their businesses

With modern tools, fast processes and clear communication, companies get a financing partner that supports growth – not slows it down.

Summary – 2026 is the year for smarter cash flow

Companies that invest in:
faster payments
automation
invoice purchase
strong partnerships

...will be strongest in this year's growth phase.

A stable cash flow is not just security – it is a competitive advantage.

More and more companies are choosing to sell invoices to get quick liquidity and avoid long payment times. One of the most common questions we at Finans Partner get is: How much does invoice purchasing cost?

In this guide, we go over exactly what affects the cost of invoice purchasing, how pricing works, and what companies can do to get better terms.

What is the cost of selling an invoice?

When a company uses invoice purchasing, it pays a percentage fee based on:

the amount of the invoices
customers' creditworthiness
payment term
volume and frequency
industry

The cost of invoice purchases is usually between 1.5–4% of the invoice amount.

factors that control the price of invoice purchases

Customer creditworthiness
The more stable your customer base is, the lower the risk – and thus the lower the price.
Invoices to large companies and municipalities are often cheaper to sell.

Payment terms
30 days costs less than 90 days.
Longer credit periods mean higher risk and higher cost.

Invoice size and industry
Larger invoices often give a better price per percentage.
Small invoices may have a minimum cost.

Volume and continuity
Companies that sell invoices regularly almost always get better terms than those that make one-off purchases.

How can companies reduce the cost of invoice purchasing?
Sell invoices to customers with strong credit, this directly results in lower fees.

Negotiate volume-based prices
The more invoices you sell, the better the terms.

When is it profitable to sell invoices?
Invoice purchasing is particularly cost-effective when you:

need the money quickly
want to avoid bank loans
wants to reduce the risk of customer losses
has long payment times from customers

For many companies, the cost of invoice purchasing is small compared to the value of quick liquidity and reduced administration.

Do you want to know what invoice purchasing would cost for your company?
We help you find the most cost-effective solution – quickly, transparently and without commitment.

Consulting companies often grow rapidly. Occupancy is high, clients are satisfied, and billing is rolling in. Yet many consulting companies end up in the same situation: operations are going well on paper, but liquidity is not enough in practice.

The reason is almost always the same — long payment times.

In this guide, we'll go over why payment times are a bigger problem than many people think, how to calculate the real cost, and how invoice purchasing can be used as a strategic tool to grow faster and more securely.

The consulting company's hidden challenge: revenue coming in – but costs now

Consulting companies are often staff-intensive. This means:

Salaries must be paid every month
social security contributions and taxes must be paid
licenses, tools and sub-consultants cost directly
Recruitment and onboarding require capital

At the same time, many customers pay in 30, 45, or even 60 days.

The result is a gap between money earned and money available. This is where liquidity starts to tighten — even when everything is going well.

Calculate the cost: how much capital is tied up in your accounts receivable

Here is a simple model that shows how much money is stuck waiting for customer payment:

Example

A consulting company with 7 consultants invoices an average of SEK 140,000 per consultant per month.

Total billing:
980,000 SEK/month

Payment term:
60 days (2 months)

Capital tied up:
980,000 × 2 = 1,960,000 SEK

This means that almost 2 million SEK are locked in accounts receivable — money that has already been earned, but cannot be used.

The cost of growth: how much tied-up capital slows down your expansion

The amount of capital tied up directly affects how quickly the company can grow.

Here is a simple rule of thumb:

If a new consultant costs 90,000–110,000 SEK/month in total salary costs, 1.96 million in tied-up capital means that the company in practice "loses" the opportunity to:

hire 18–20 months of consulting
take on bigger projects
scale up in line with demand

This is where invoice purchasing becomes a strategic tool — not a stopgap solution.

When invoice purchasing is an advantage for consulting companies

Invoice purchasing is not just about getting money faster. For consulting companies, it is often a way to:

Create a stable cash flow

You don't have to depend on your customers' payment routines and get smoother finances.

Paying salaries without stress

Personnel costs are the consulting company's largest expense. With invoice purchasing, you can plan with confidence.

Grow faster

When capital is released immediately, you can:

take on bigger tasks
hire in line with incoming orders
bring in sub-consultants without risking liquidity

Reduce administration

You avoid reminders, monitoring and handling late payments.

Avoid taking out loans in your business

You use capital you have already earned — without lending money to the company.

Customer CAE: IT consulting company that wants to grow – but is stopped by payment deadlines

A consulting company with 8 consultants invoices:
SEK 140,000 per consultant/month
total 1,120,000 SEK/month
Customers pay in 60 days.

Capital tied up:
1,120,000 × 2 = 2,240,000 SEK

The company wants to take on a larger project and needs to bring in two new consultants immediately. But the liquidity is not enough.

The solution

The company chooses to sell invoices via Finans Partner.

The result

salaries are paid on time
recruitment can take place directly
the company can take on larger projects
less time is spent on administration
cash flow becomes stable and predictable

Instead of having over 2 million SEK locked up in accounts receivable, the company can use the capital in operations — where it is beneficial.

Summary: Invoice purchasing helps consulting companies grow on their own terms

For consulting firms, liquidity is one of the most important growth factors. Long payment times can slow expansion, create unnecessary stress, and make you turn down assignments you really want to take.

With invoice purchasing, the consulting company can:

release capital immediately
pay salaries and fees on time
take on bigger projects
hire faster
grow without a bank loan

It's a smart way to create stability and control — especially in an industry where time is money and growth often happens quickly.

Do you want to know how invoice purchasing can strengthen your consulting company?

Contact us at Finans Partner — we will help you find the best solution for your business.

The construction and contracting industry is one of Sweden's most liquidity-challenging sectors. Long payment times, high material costs, advance payments to subcontractors and projects that span several months often strain cash flow – even when the order book is full.

More and more construction companies are therefore choosing to sell invoices and use invoice purchasing as a way to get paid immediately, avoid waiting 30–90 days and create stability in projects. In this guide, we will go over why invoice purchasing is particularly effective for construction and contracting companies, what it costs, how it works and when it is the right choice.

Why construction companies are hardest hit by long payment times

Construction and contracting companies have a unique combination of challenges:
Material costs often need to be paid quickly
Subcontractors demand payment before the end customer pays
Projects run over a long period of time
Final inspection and approval may delay payment
Large customers (municipalities, real estate companies, general contractors) often have 30–90 day payment terms

Late payments are common

This means that even profitable construction companies can experience liquidity problems – not due to a lack of jobs, but due to the time lag between costs and revenues.

How invoice purchasing solves liquidity problems in the construction industry

When a construction company sells an invoice, the company gets paid the same day, instead of waiting weeks or months. This means:

Stable cash flow
Possibility to take on more projects
Pay suppliers and subcontractors on time
Less dependence on expensive credit or loans
Less administration and reminder management

Invoice purchase is not a loan – it is a sale of an account receivable. This means that you do not increase your debt, which is a big advantage for construction companies that want to grow without burdening the balance sheet.

How much does invoice purchasing cost for construction companies?

The cost of invoice purchases varies depending on:
Customer creditworthiness
Invoice size
Payment terms
Industry (construction often has higher risk → slightly higher cost)
Volume and recurring invoices

Typical costs in the construction industry often range between 1.5–4 % per invoice, but can be both lower and higher depending on the risk profile and project.

The important thing is to compare the cost with:

the cost of late payments
the cost of turning down projects
the cost of laying out materials and wages
the cost of taking out a business loan

For many construction companies, invoice purchasing is the cheapest way to free up capital quickly.

How invoice purchasing works for construction and contracting companies

The process is simple:

1. Your company is carrying out the project
2. You send the invoice to Finans Partner
3. We perform a credit assessment of your customer
4. You get paid the same day by Finans Partner
5. Finans Partner will forward your original invoice to your customer with a notice that they should pay the amount to our BG on the due date.

Why invoice purchasing is particularly effective in various construction projects

You don't have to worry about material costs
Materials are often the largest expense in construction projects. Invoice purchasing allows you to pay suppliers directly without burdening the cash register.

You can pay subcontractors on time
Keeping UEs happy is crucial to meeting the schedule. Liquidity creates stability.

You can take on more and bigger projects
Many construction companies turn down new projects due to liquidity risk – not a lack of assignments.

You reduce the risk of cash flow crises
A single delayed project can create a domino effect throughout the entire business.

You avoid long payment times from public clients
Municipalities and regions are reliable customers – but payment times are often long.

Example: How invoice purchasing helps a construction company in practice

A construction company in Stockholm receives a project worth 1.2 million SEK.
The material cost is SEK 350,000 and subcontractors must have SEK 200,000 before the customer pays.

Without invoice purchase:
The company must be out of pocket with SEK 550,000
The cash register is getting strained.
Risk of turning down other projects

With invoice purchase:
The company gets paid immediately
Materials and UE are paid without stress.

The project can start immediately
Liquidity is secure throughout the project

The cost of invoice purchasing is often a fraction of the value of being able to take on the project.

Frequently asked questions from construction companies

Is it expensive to sell invoices?

The cost is often lower than the alternative: late payments, loans or lost projects.

Does it affect the customer relationship?

No. Finans Partner works discreetly and professionally. The customer will not notice any difference except that they pay our BG on the due date when you have already received payment from us.

Can you sell ROT and RUT invoices?

Yes, but the structure is slightly different. We will help you with the right structure.

Can you sell installment payments in projects?

Yes, ongoing installment payments and lifting plans are common in contracting.

Summary

Construction and contracting companies often have strong demand but weak liquidity due to long payment times and high upfront costs. Invoice purchasing is therefore one of the most effective tools to:

strengthen cash flow
take on more projects
reduce risk
avoid more loans
create stability in the business

For many construction companies, invoice purchasing is not just a financing solution – it is a growth engine.

Sell your invoices quickly and easily with Finans Partner

Get paid the same day you invoice, free up capital and create secure liquidity in your company's construction projects.

Both small and large companies experience periods of rapid sales growth – new customers, larger projects or seasonal variations that require more staff, materials or production. The challenge is that costs often come immediately, while payments often take 30–90 days. This creates a liquidity gap that can slow down new projects.

Invoice purchasing has therefore become one of the most effective ways for companies to manage growth peaks without taking out expensive loans or risking cash flow.

Why do liquidity problems arise during growth?

When a company grows rapidly, it often increases:

purchasing materials
salary costs
consulting hours
marketing
production
deliveries

At the same time, payment times remain at 30–60 days, especially when customers are larger companies or the public sector.

This means that the company must spend capital – sometimes in the millions – before revenue comes in.

How invoice purchasing solves the problem

By selling invoices, the company gets paid immediately, often the same day. This allows you to:

take on more assignments
grow faster
avoid turning down new customers
avoid taking out a new loan
maintain stable liquidity even during large volume increases

For companies in Stockholm, this is particularly valuable in industries such as construction, consulting, transportation, staffing and e-commerce.

What does it cost to sell invoices at growth peaks?

The cost depends on various factors such as industry, customer creditworthiness, invoice size, annual volume, etc. In Sweden, the price is usually between 1,5-4 % for a 30-day invoice.

For many companies, this is a small cost compared to the value of being able to take more business immediately.

When is invoice purchasing better than new loans for the business?

Invoice purchasing is often a better choice when:

growth is rapid and uneven
you don't want to commit to a loan
you want to avoid credit risk
you want flexibility – sell invoices when needed
you want to avoid burdening the balance sheet

Unlike loans, your debt does not increase, and you only pay for the invoices you choose to sell.

Invoice purchase Stockholm Mälardalen – that's why demand is growing in 2026

Companies in Mälardalen use invoice purchasing to:

manage large projects
finance expansion
clear seasonal peaks
avoid late payments
strengthen cash flow without taking risk

It is a fast, flexible and secure solution that allows companies to grow in line with increased demand.

Do you want to know what invoice purchasing would cost for your company?

We make a quick and free assessment based on your customers and volumes.

You get a clear price – with no binding period and no hidden fees.

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Selling invoices has become one of the most effective methods for companies that want to strengthen their liquidity quickly without taking out loans. Regardless of whether you use invoice purchasing, factoring or invoice financing, the same question arises: how do you book invoice purchasing correctly? Here we go through everything step by step.

What does invoice purchase mean?

When a company chooses to sell an invoice to a factoring company, it means that the company gets paid directly, while the factoring company takes over the risk and administration. It is common for companies that want to improve cash flow, avoid waiting 30–90 days for payment, reduce credit risk or outsource claims and reminder management. Therefore, invoice purchasing is a central part of modern factoring.

How do you post invoice purchases?

The accounting depends on whether you use invoice purchasing without recourse or invoice purchasing with recourse.

Invoice purchase without recourse

Example: 

Invoice 100,000 SEK 
Factoring fee 3000 SEK 
Amount paid out 97,000 SEK

Accounting: 

1510 Accounts receivable debit 100,000 
3041 Sales credit 100,000 
1930 Bank debit 97,000 
6064 Factoring fees debit 3000 
1510 Accounts receivable credit 100,000

Here the account receivable is zeroed because you no longer own it.

Invoice purchase with recourse

Accounting: 

1510 Accounts receivable debit 100,000 
3041 Sales credit 100,000 
1930 Bank debit 97,000
2840 Factoring credit credit 97,000 
6064 Factoring fees debit 3000

When the customer pays, you settle the debt with the factoring company.

Frequently asked questions about accounting for invoice purchases

Do you need to book accounts receivable? 

Yes, the account receivable is booked as usual but is immediately zeroed when the invoice is sold.

Advantages of selling invoices

Selling invoices is an effective way to get quick liquidity, reduce credit risk, avoid reminders and debt collection, and focus on core business. That's why factoring is one of the most used financing solutions among Swedish companies.

Summary

Accounting for invoice purchases is easy when you know how it works. Regardless of whether you use factoring, invoice financing or sell invoices directly, the principles are the same: the receivable is booked, the factoring fee is expensed and the payment is booked to the bank.

Invoice financing has become one of the most popular financing solutions for small and medium-sized businesses in Sweden. Despite this, many entrepreneurs make mistakes that lead to unnecessary costs, poor liquidity or damaged customer relationships. Here we go through the most common mistakes – and how to avoid them.

1. Choosing a factoring partner based solely on price

It's easy to focus solely on the percentage, but the cheapest solution isn't always the best.

Risks:
hidden fees
slow payouts
lack of customer service
poor customer relationship management

Here's how to avoid the mistake:
Compare the whole thing: terms, transparency, payout time and how the partner communicates with your customers.

Read also:
👉 How does invoice purchasing affect customer relationships? How to maintain trust at every step

2. Selling the wrong type of invoices

Not all invoices are equally suitable for selling.

Common problems:

• customers with weak credit ratings
• unclear contracts or delivery terms
• invoices that have already been sent to your customer

Solution:
Sell invoices where payment risk is low and where you have clear agreements. This gives better prices and faster processing.

Related reading:
👉 How much does it cost to sell invoices? A short guide for companies and individuals

3. Not informing the customer properly

One of the most common misconceptions is that invoice purchasing damages customer relationships. In fact, it is often the opposite – if communication is handled correctly.

Mistake:
not informing the customer
to inform too late
using unclear wording

Here's how to do it right:
Be transparent and professional. Explain that you are using a financial partner to streamline administration – not because the customer is “unsure.”.

Do you need help avoiding common mistakes?

We help companies throughout Sweden get faster liquidity and better terms.

Contact us for a free quote for invoice purchases.

4. Not using invoice purchasing strategically

Many people use invoice purchasing as a stopgap solution, but the companies that get the most impact use it as a strategic tool.

Examples of smart use:

during growth
during seasonal variations
for large orders
to free up capital for running costs

Tip:
👉 Invoice purchasing as a growth engine – how to build liquidity for expansion

5. Not comparing terms regularly

The market is changing rapidly. What was the right solution a year ago may not be the right solution today.

Tip:
Do a quick review of your terms every quarter. It can save you a lot of money.

Summary

Invoice purchasing is a powerful tool for companies looking to strengthen their liquidity and grow faster. By avoiding the most common mistakes, you can get better terms, happier customers, and a more stable economy.

Immerse yourself:
👉 Invoice purchasing vs invoice financing – what's the difference?
👉 When to sell invoices? – a guide for entrepreneurs

Do you want to know how invoice purchasing can strengthen your business in 2026?

At Finans Partner you get:

fast payouts
clear conditions
personal advice
secure customer relationship management

Contact us today – we will help you free up capital and strengthen cash flow