Why small and medium-sized businesses need smarter financing solutions in 2026
Small and medium-sized businesses account for a significant portion of Sweden's economic growth, but their everyday lives are often characterized by a challenge that is rarely visible to the outside world: liquidity. As payment times become longer, margins are squeezed, and credit processes take unnecessarily long, many companies find themselves in a position where they need faster and more flexible solutions to keep up with the pace.
We believe 2026 will be the year when demands for modern financing solutions increase — and where entrepreneurs expect more than traditional loans and slow processing times.
Longer payment times create larger liquidity gaps
In recent years, payment times in many industries have increased. For entrepreneurs, this means that money that has already been earned does not reach the account until much later. This creates unnecessary bottlenecks in the business and makes it difficult to plan for growth.
Invoice purchases and other liquidity solutions are therefore becoming increasingly important — not as emergency solutions, but as strategic tools.
Processes that are not built for today's pace and demand
Many players still work with credit processes that are tailored to larger companies and traditional loan products. For entrepreneurs who need quick responses and smooth flows, this becomes an obstacle.
We believe that by 2026, SMEs will expect:
- faster onboarding
- automated risk assessments
- clear and transparent terms and conditions
- solutions that integrate into their existing systems
This is where modern players can make a real difference.
Modern factoring is something completely different from yesterday's factoring
Invoice factoring has long had a reputation as a “last resort,” but that image is changing. With automated flows, better data, and smarter risk models, factoring can now be one of the most effective financing solutions for small businesses.
Properly designed, it provides:
- quick liquidity
- reduced administrative burden
- better cash flow
- opportunity to grow without taking out traditional loans
It's no longer about solving problems — but about creating opportunities.
Finance Partner: Part of the new generation of financing
At Finans Partner, we work to modernize how small businesses access capital. Through scalable systems, automated processes, and close customer relationships, we can offer solutions that are both fast and secure.
We believe that 2026 will be the year when entrepreneurs will place higher demands on their financing partners. We are ready to meet that development — and help companies grow on their own terms.