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.<\/p>\n\n\n\n
In this guide, we go over how invoice purchasing works, what it costs, when it is particularly advantageous and how you book it.<\/p>\n\n\n\n
What is invoice purchasing?<\/strong><\/p>\n\n\n\n Invoice purchasing means that you sell one or more customer invoices to a finance company and get paid immediately \u2013 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.<\/p>\n\n\n\n There are two types of invoice purchases:<\/p>\n\n\n\n Invoice purchase without recourse<\/strong> \u2013 the finance company takes the entire credit risk<\/p>\n\n\n\n Invoice purchase with recourse<\/strong> \u2013 you may be able to get a chargeback if the customer doesn't pay<\/p>\n\n\n\n Advantages of invoice purchasing<\/strong><\/p>\n\n\n\n Invoice purchasing offers several clear advantages:<\/p>\n\n\n\n Up to 98\u2013100 % of the invoice value paid<\/strong><\/p>\n\n\n\n Fast liquidity<\/strong> \u2013 get paid immediately instead of waiting 30\u201390 days<\/p>\n\n\n\n No debt<\/strong> \u2013 does not affect the balance sheet like a loan<\/p>\n\n\n\n Reduced administration<\/strong> \u2013 the finance company handles reminders and debt collection<\/p>\n\n\n\n Reduced risk<\/strong> \u2013 in the case of invoice purchases without recourse, the finance company takes the entire credit risk<\/p>\n\n\n\n Flexibility<\/strong> \u2013 choose which invoices you want to sell and when<\/p>\n\n\n\n Stronger cash flow<\/strong> \u2013 perfect for growth, seasonal variations or large projects<\/p>\n\n\n\n How does invoice purchasing work in practice?<\/strong><\/p>\n\n\n\n You don't have to wait \u2013 and you avoid the risk of invoice purchases without recourse.<\/p>\n\n\n\n How much does invoice purchase cost?<\/strong><\/p>\n\n\n\n The cost depends on:<\/p>\n\n\n\n customer's creditworthiness<\/p>\n\n\n\n invoice size<\/p>\n\n\n\n payment terms<\/p>\n\n\n\n whether it is an invoice purchase with or without recourse<\/p>\n\n\n\n A fee of 1\u20134% of the invoice amount is common.<\/p>\n\n\n\n Examples of when invoice purchasing can be extra advantageous<\/strong><\/p>\n\n\n\n Newly established companies<\/strong><\/p>\n\n\n\n New businesses often have uneven cash flow. Invoice purchasing frees up capital quickly and provides a more secure start.<\/p>\n\n\n\n Seasonal operations<\/strong><\/p>\n\n\n\n Businesses with irregular revenue can smooth out cash flow and avoid liquidity stress during the off-season.<\/p>\n\n\n\n Growing company<\/strong><\/p>\n\n\n\n When demand increases, more staff, materials or production are often needed. Invoice purchasing provides immediate capital so you can act quickly.<\/p>\n\n\n\n Project-based activities<\/strong><\/p>\n\n\n\n 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.<\/p>\n\n\n\n Which invoices can be sold?<\/strong><\/p>\n\n\n\n Generally, you can sell invoices as:<\/p>\n\n\n\n are issued to businesses (B2B)<\/p>\n\n\n\n refers to goods delivered or services performed<\/p>\n\n\n\n are not disputed<\/p>\n\n\n\n has clear payment terms<\/p>\n\n\n\n How do you post invoice purchases?<\/strong><\/p>\n\n\n\n Accounting is simple:<\/p>\n\n\n\n This makes invoice purchasing a transparent and smooth solution even from an accounting perspective.<\/p>\n\n\n\n Is invoice purchasing right for your business?<\/strong><\/p>\n\n\n\n Invoice purchasing is a flexible solution for companies that:<\/p>\n\n\n\n want to improve cash flow<\/p>\n\n\n\n want to avoid credit risk<\/p>\n\n\n\n want to avoid loans<\/p>\n\n\n\n need access to capital quickly<\/p>\n\n\n\n want to focus on operations instead of administration<\/p>\n\n\n\n For many companies, invoice purchasing is the easiest way to free up capital and create stability.<\/p>\n\n\n\n Contact us for a customized solution<\/strong><\/p>\n\n\n\n Do you want to know what invoice purchasing would cost for your company? Fakturak\u00f6p har snabbt blivit en av de mest popul\u00e4ra finansieringsl\u00f6sningarna bland svenska f\u00f6retag som vill f\u00f6rb\u00e4ttra sitt kassafl\u00f6de utan att ta l\u00e5n eller bel\u00e5na sina kundfordringar. Genom att s\u00e4lja fakturor f\u00e5r du betalt direkt, minskar risken f\u00f6r kundf\u00f6rluster och frig\u00f6r kapital f\u00f6r att kunna v\u00e4xa. I den h\u00e4r guiden g\u00e5r vi igenom hur fakturak\u00f6p fungerar, […]<\/p>\n","protected":false},"author":1,"featured_media":514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\n\n
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Contact Finance Partner<\/strong> We will help you find the best solution for your cash flow.<\/p>","protected":false},"excerpt":{"rendered":"