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.

www.finans-partner.se

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

Invoice purchasing is one of the fastest growing financing solutions in Sweden in 2026. Liquidity improves immediately — but many entrepreneurs are still wondering about an important question:

How does invoice purchasing affect the relationship with customers?

In this guide, we go through how the customer relationship is actually affected and how you ensure that trust remains strong throughout the process.

Why the customer relationship is central to invoice purchasing

When you sell an invoice, an external party takes over the handling of your payments. This means that the customer comes into contact with a company other than your own. Therefore, it is crucial that the process is:

Clear

Professional

Predictable

Safe for the customer

Properly handled, invoice purchases can even strengthen the relationship — but handled incorrectly can create unnecessary friction.

Does invoice purchasing negatively affect customer relationships?

The short answer: No, not if it's done right.

Here are the most common concerns — and what applies in 2026:

“Will the customer think we have financial problems?”

No. Invoice purchasing is a completely normal part of corporate financing today. More and more companies are using it to get faster cash flow, not because they have problems.

“Will the customer be annoyed by talking to someone else?”

It depends on the factoring partner. Serious actors work discreetly, friendly and with respect for the customer relationship. At Finans Partner, we always treat your customers as if they were our own customers in all contact.

“Will the customer have a worse experience?”

Not if communication is clear and the payment process is smooth.

How to maintain customer trust — step by step

Inform the customer in advance

Transparency creates security. A simple sentence in a quote or agreement is enough:

“We use an external partner for invoice management to ensure fast and smooth administration.”

This ensures that the customer is not surprised.

Choose a factoring partner that represents your brand well

This is the most important point.

A good partner should:

Communicate kindly and professionally

Have clear routines

Do not chase or pressure customers

Be quick in your administration

Have customer service that responds immediately

You want the customer to feel:

“This was smooth — just like everything else with this company.”

Ensure payment information is clear

Unclear payment instructions are the most common cause of irritation.

Make sure the invoice contains:

Sender

Payee

Contact details

Payment terms

The less the customer has to think, the better.

When invoice purchasing actually improves customer relationships

There are several situations where invoice purchases improve the customer experience:

The customer gets a longer payment period

Many factoring companies offer flexible terms that you cannot provide yourself.

The customer receives faster answers to invoice questions

Professional players have dedicated support teams.

Less risk of error

Automated systems reduce the risk of double charges, incorrect OCR or missed mailings.

Checklist: How to protect your customer relationship in 2026

Inform the customer in advance

Use a partner with a high level of service

Ensure clear invoices

Have consistent communication

Follow up after the first invoice

Evaluate the customer experience continuously

Conclusion

Invoice purchasing does not negatively impact the customer relationship — quite the opposite. With the right partner and clear communication, the process can be both smooth and professional, while freeing up capital and reducing administration.

The key is to see invoice purchasing as an extension of your own finance department, not just a financing solution.

Do you want to sell invoices without risking the customer relationship?

Contact Finans Partner and you will receive a safe and professional process — from the first invoice to payment on the same day. We always treat your customers as if they were our own customers in all contact.

Invoice purchasing has quickly become one of the most popular financing solutions among Swedish companies looking to improve their cash flow without taking out loans or mortgaging their accounts receivable. By selling invoices, you get paid immediately, reduce the risk of customer losses and free up capital to grow.

In this guide, we go over how invoice purchasing works, what it costs, when it is particularly advantageous and how you book it.

What is invoice purchasing?

Invoice purchasing means that you sell one or more customer invoices to a finance company and get paid immediately – often the same day. The finance company takes over the administration and waiting for payment. You get liquidity without taking out a loan and without burdening your balance sheet.

There are two types of invoice purchases:

Invoice purchase without recourse – the finance company takes the entire credit risk

Invoice purchase with recourse – you may be able to get a chargeback if the customer doesn't pay

Advantages of invoice purchasing

Invoice purchasing offers several clear advantages:

Up to 98–100 % of the invoice value paid

Fast liquidity – get paid immediately instead of waiting 30–90 days

No debt – does not affect the balance sheet like a loan

Reduced administration – the finance company handles reminders and debt collection

Reduced risk – in the case of invoice purchases without recourse, the finance company takes the entire credit risk

Flexibility – choose which invoices you want to sell and when

Stronger cash flow – perfect for growth, seasonal variations or large projects

How does invoice purchasing work in practice?

1. You send the invoice to the finance company
2. The finance company makes a credit assessment of the customer
3. You will be paid up to 98–100 % of the invoice amount immediately
4. The customer pays the finance company on the due date.

You don't have to wait – and you avoid the risk of invoice purchases without recourse.

How much does invoice purchase cost?

The cost depends on:

customer's creditworthiness

invoice size

payment terms

whether it is an invoice purchase with or without recourse

A fee of 1–4% of the invoice amount is common.

Examples of when invoice purchasing can be extra advantageous

Newly established companies

New businesses often have uneven cash flow. Invoice purchasing frees up capital quickly and provides a more secure start.

Seasonal operations

Businesses with irregular revenue can smooth out cash flow and avoid liquidity stress during the off-season.

Growing company

When demand increases, more staff, materials or production are often needed. Invoice purchasing provides immediate capital so you can act quickly.

Project-based activities

Consultants, construction companies and other project companies are often paid in lump sums or lift plans. Invoice purchasing provides more consistent access to working capital.

Which invoices can be sold?

Generally, you can sell invoices as:

are issued to businesses (B2B)

refers to goods delivered or services performed

are not disputed

has clear payment terms

How do you post invoice purchases?

Accounting is simple:

1. Post the invoice as an account receivable when you create it
2. When you sell the invoice, you write off the receivable.
3. The payment is booked as a decrease in accounts receivable and an increase in cash and cash equivalents.
4. The fee is booked as a financial cost, e.g. on account 6064.

This makes invoice purchasing a transparent and smooth solution even from an accounting perspective.

Is invoice purchasing right for your business?

Invoice purchasing is a flexible solution for companies that:

want to improve cash flow

want to avoid credit risk

want to avoid loans

need access to capital quickly

want to focus on operations instead of administration

For many companies, invoice purchasing is the easiest way to free up capital and create stability.

Contact us for a customized solution

Do you want to know what invoice purchasing would cost for your company?
Contact Finance Partner We will help you find the best solution for your cash flow.

Late payments are one of the biggest problems for many business owners. When customers pay late, cash flow is directly affected, and many companies are forced to spend time on reminders, administration, and uncertain planning.

One of the most effective ways to avoid late payments altogether is to sell invoices and get paid directly through invoice purchasing. In this guide, we’ll walk you through why late payments occur, how they affect your business – and why invoice purchasing has become one of the fastest growing financing solutions in 2026.

Why do late payments occur?

Late payments are often due to:
long approval flows
Lack of routines at the customer
liquidity problems of the buyer
unclear payment terms
invoices stuck in the system

Regardless of the reason, the result is the same: the company has to wait for money it has already earned.

How do late payments affect your business?

Uncertain cash flow

When payments are delayed, it becomes difficult to plan purchases and pay ongoing costs.

More administration

Reminders, follow-ups and extra communication take time away from core business.

Increased risk

The longer an invoice is unpaid, the greater the risk that it will never be paid.

Sell invoice – the solution that gets you paid immediately

By selling on invoice, you don't have to wait for the customer to pay. Instead, you get paid directly by the finance company, often the same day.

This means:

stable cash flow
less administration
reduced risk
more time for other things

Selling on invoice is therefore one of the most effective ways to avoid late payments altogether.

Invoice purchase – how it works

Invoice purchasing means that you hand over the invoice to a finance partner who pays you directly. The customer then pays the finance company.

The process is simple:

1. You send the invoice
2. The finance company makes a credit assessment
3. You get paid immediately
4. The finance company takes over the risk and administration

It is a flexible solution for companies that want secure liquidity without taking out loans.

When is it worth using invoice purchasing?

Invoice purchases are particularly suitable if:

you want to grow faster without increasing debt
you have customers who pay late
you want to avoid reminders and follow-ups
you need to strengthen cash flow

For many small and medium-sized businesses, invoice purchasing is a safe and flexible solution.

Summary

Late payments are a growing problem for Swedish companies. By sell invoice and use invoice purchase you can create a stable cash flow, reduce administration and avoid unnecessary risk.

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

Contact us at Finans Partner Scandinavia AB – we will help you get paid the same day you invoice.

More and more companies in Stockholm and Mälardalen are choosing to sell their company's invoices to strengthen liquidity and avoid waiting for long payment times. Invoice purchasing is a fast and flexible way to free up capital - regardless of whether you want to sell a single invoice or ongoing invoices. Here we go over how it works, what invoice purchasing costs and why many entrepreneurs choose Finans Partner as their local player in Mälardalen.

What does it mean to sell on invoice?

Selling on invoice means you hand over a customer invoice to a financing partner who pays you directly. You don’t have to wait 30-90 days for payment and get the money the same day. It’s an effective way to create cash flow stability, especially for businesses that are expanding or have inconsistent revenue from customers.

Frequently asked questions like “sell my invoice” or “selling the company's invoice” is often about just this: quickly freeing up capital without taking out a traditional loan.

Invoice purchasing in Stockholm – that's why it's so in demand

Stockholm is one of Sweden's most dynamic business regions. Here you will find:

Consultants
construction and craft companies
e-commerce company
transport and service companies
manufacturing company
Workshops

What many people have in common is that they need quick liquidity to be able to take on new assignments, purchase materials or manage ongoing costs during the year.

How much does invoice purchase cost?

The cost of invoice purchases depends on various factors, including:
invoice amount
customer's creditworthiness
payment terms
whether you sell single invoices or ongoing

At Finans Partner you always get a market price before you sell the invoice. No hidden fees, no binding periods.

If you want to read more about factoring costs, we have a separate guide: How much does it cost to sell invoices?

Advantages of selling invoices in Stockholm via Finans Partner

Same day payout
Personal contact
Flexible arrangements
No bonding time
Secure management of your customer relationships

We work closely with companies in Mälardalen and understand their everyday lives.

When is invoice purchasing the right solution?

Invoice purchases are particularly suitable when you:

need to strengthen liquidity quickly
want to avoid long payment periods
want to avoid taking out loans
is growing and needs capital to take on new business
want a smooth solution without administration

Selling invoices in Stockholm – here's how it works step by step

1. You send the invoice to us
2. We do a credit assessment
3. We pay the money out the same day to the company's account.
4. We handle the rest.

Simple, safe and hassle-free.

Summary

If you are looking to sell invoice Stockholm, sell your invoice, invoice purchase Stockholm, invoice purchase cost or sell your company's invoice, you are probably looking for a fast and flexible solution to strengthen your company's cash flow. Invoice purchase is an effective way to free up capital immediately - and Finans Partner helps companies throughout Mälardalen with our services.

Contact us and we will help you get paid the same day you create your company invoice.