Why choose factoring?
Benefits of factoring for your business
Continuous cash flow
Factoring converts your receivables into working capital immediately. You receive financing automatically for every invoice without a separate application.
Automatic financing
Once the agreement is in place, financing works automatically. You send an invoice to your customer and the funds are in your account the same day.
Credit risk transfers to us
We take on the risk of your customer's ability to pay. You don't need to worry about credit losses or payment delays.
No collateral required
Factoring does not require property or business mortgages. Invoices serve as collateral, so your company's assets remain free.
Accounting integrations
Our service integrates directly with the most popular accounting systems such as Procountor, Netvisor, and Maventa. Manual work is reduced to a minimum.
Growth support
Factoring scales with your business. The more you sell, the more financing you receive – without additional collateral or new applications.
How factoring works
Easy process in four steps
Sign the agreement
We assess your company's needs and draft a factoring agreement. The process is fast and straightforward – the agreement can be ready within a day.
Sign the agreement
We assess your company's needs and draft a factoring agreement. The process is fast and straightforward – the agreement can be ready within a day.
Send invoices as usual
Invoice your customers as before. Invoices are automatically routed to financing through integration or electronic invoicing.
Send invoices as usual
Invoice your customers as before. Invoices are automatically routed to financing through integration or electronic invoicing.
Receive financing immediately
We pay the invoice amount to your account typically the same day. You get access to 100% of the invoice value minus financing costs immediately.
Receive financing immediately
We pay the invoice amount to your account typically the same day. You get access to 100% of the invoice value minus financing costs immediately.
Your customer pays normally
Your customer pays the invoice on the due date. We handle receivables tracking and collection on your behalf if needed.
Your customer pays normally
Your customer pays the invoice on the due date. We handle receivables tracking and collection on your behalf if needed.
"Factoring is not just financing – it's a comprehensive accounts receivable management solution. Many of our clients report that managing their sales ledger became significantly easier and cash flow became predictable immediately after adopting the service."
— Aaron Vihersola
Founder & CEO, Suomen Rahoitus
Financing expert | Over 5 years of experience in business financing solutions
Frequently asked questions
Everything about factoring
Industries
Factoring (ongoing)
See how factoring (ongoing) suits different industries and read our industry-specific solutions.
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