Find the right financing for your business

The financing recommender analyses your business situation based on four questions and compares six different financing options: invoice financing, factoring, invoice sales, working capital financing, export financing and trade financing. The algorithm scores each option individually and selects the best solutions for you.

Unlike generic financing comparisons, the recommender takes into account your invoicing volume, your customers' payment terms and the frequency of your financing needs. These factors significantly affect which financing option is the most cost-effective.

The cost estimate is based on industry-average pricing models. Invoice-based services typically cost 1.5–4% of the invoice value, while working capital financing costs 0.8–1.5% per month of the financed amount.

The recommender is completely free and non-binding. You can try different answer combinations and compare results to find the best financing solution for your business.

The final financing offer may differ from the recommender's estimate, as it is based on a comprehensive credit analysis. However, the recommender helps you understand the differences between financing options and choose the right starting point.

The wrong financing option can be significantly more expensive than the right one. For example, a factoring contract is worthwhile if you invoice steadily every month, but for occasional needs, invoice sales is a cheaper alternative without monthly fees.

Payment term length directly affects financing costs. The longer the terms, the more financing costs — but the greater the benefit to cash flow. The recommender takes this balance into account and suggests the most cost-effective solution.

Invoicing volume determines whether you can benefit from volume discounts. With higher volumes, factoring and invoice financing are typically the most affordable, while for smaller volumes, individual invoice sales or working capital financing may be a smarter choice.

The choice of financing also affects your company's balance sheet and customer relationships. Open factoring is visible to customers, while confidential invoice financing works in the background. The recommender helps you understand these differences and make an informed decision.