The numbers speak for themselves
A reliable partner for your cash flow
Financing decision
Years of combined experience
Funds to your account
Advance on invoice value
Finnish quality
A Finnish financing partner
We are a Finnish company that understands the needs of Finnish businesses. We serve you in Finnish, know the market, and make fast decisions.
- Service in Finnish
- We know the Finnish market
- Fast financing decisions
Who is it for?
Invoice financing is for you
How it works
Financing in four steps
Apply for financing
Fill out a short online application. The process takes just a few minutes.
Applications can be submitted 24/7.
Apply for financing
Fill out a short online application. The process takes just a few minutes.
Applications can be submitted 24/7.
Get a decision
We process your application and provide a financing decision within 24 hours.
The decision is based on the debtor's creditworthiness.
Get a decision
We process your application and provide a financing decision within 24 hours.
The decision is based on the debtor's creditworthiness.
Submit invoices
Send us the invoices you want financed electronically or through your accounting system.
We integrate with the most popular accounting systems.
Submit invoices
Send us the invoices you want financed electronically or through your accounting system.
We integrate with the most popular accounting systems.
Funds to your account
Receive the advance on your invoice within 1 business day.
The advance is 100% of the invoice value minus financing costs.
Funds to your account
Receive the advance on your invoice within 1 business day.
The advance is 100% of the invoice value minus financing costs.
The basics
What is invoice financing?
Invoice financing is a form of funding where a company receives advance payment on its outstanding invoices. It is not a loan but converting receivables into cash.
Known by many names
Invoice financing, factoring, invoice sales, and receivables financing all mean the same thing: you get cash from your invoices immediately.
No additional debt
Invoice financing is not a loan and does not increase your balance sheet debt. It accelerates your receivables.
Easy to calculate
The cost of financing is typically 1-3% of the invoice value depending on the payment term and volume.
Why Suomen Rahoitus?
Benefits for your business
Fast financing decision
Get a financing decision within 24 hours of your application.
Trusted partner
Over 50 years of combined experience in the financing industry.
Enables growth
Free up working capital from invoices and focus on growing your business.
Personal service
Every client has a dedicated contact person who knows your business.
Transparent pricing
No hidden fees. You always know exactly what the financing costs.
Flexible agreement
No binding contracts. Use financing when you need it.
Practical example
How invoice financing works in practice
Imagine: you have just delivered a €15,000 project to your client and sent an invoice with 30-day payment terms. Traditionally, you would have to wait a month for payment – while salaries, rent, and other costs keep running. With invoice financing, the situation changes completely.
When you sell the invoice to us, you receive 100% of the invoice value minus financing costs in your account the next banking day. This way your cash flow stays stable
Wait 30–60 days
Cash flow is frozen
Money available immediately
Cash flow secured
Want to know how much working capital could be freed from your invoices?
Try the calculator
Invoice financing as a growth accelerator
"For many SMEs, cash flow is the biggest obstacle to growth. Invoice financing frees up capital that has already been earned but is stuck in outstanding invoices."
— Aaron Vihersola
Expert, Suomen Rahoitus
Financing expert
Integrations
Works with your systems
We integrate with the most popular accounting software to make invoice financing as easy as possible.
Procountor
Popular cloud accounting software
Netvisor
Automated financial management
Fennoa
Modern invoicing system
Visma
Comprehensive ERP
Maventa
E-invoicing and automation
Heeros
Purchase invoice processing
Using a different system? Contact us – we also offer custom integrations.
Industries
We serve all B2B industries
Pricing
Clear and competitive pricing
Pricing is always tailored to your company's situation. Below are examples of packages for different needs.
Starter
For small companies wanting to try invoice financing.
- Invoice financing for individual invoices
- Quick setup
- Personal guidance
- No binding contract
Growth
For growing companies needing regular financing.
- All Starter benefits
- More competitive pricing
- Dedicated contact person
- Financing limit as needed
- Monthly reporting
Enterprise
Customized solutions and integrations for large companies.
- All Growth benefits
- Custom pricing
- API integrations
- Accounting system integrations
- Dedicated resources
- SLA guarantee
Want to know the exact price? Request a customized quote.
FAQ
Answers to common questions
Didn't find your answer?
Our specialists are happy to answer your questions personally.
Contact us
Request a quote for invoice financing
Fill out the form and receive a quote within 24 hours. We serve you in Finnish.
- No collateral or personal guarantees
- Financing decision within 24 hours
- Personal contact person
- Finnish customer service
Request a quote
Ready to grow your business?
Apply for invoice financing and get funds in your account tomorrow. The process is fast and easy.