What is invoice financing?

Invoice financing is a form of funding where you sell your outstanding invoices to a finance company and receive advance payment immediately. When your customer pays the invoice, you receive the remainder minus the financing fee.

How quickly do I get the funds?

After the financing decision, you typically receive the advance payment within 1 business day of submitting the invoice.

Is collateral required?

No. In invoice financing, the invoice itself and the debtor's creditworthiness serve as security. No personal guarantees or other collateral is required.

How much does financing cost?

The cost of financing is typically 1-3% of the invoice value depending on the payment term, invoice volume, and debtor creditworthiness.

Is the contract binding?

We offer flexible agreements. You can use the service as needed without long-term commitment.

Who is invoice financing suitable for?

Invoice financing is suitable for all B2B companies that invoice business clients. It is especially well-suited for growth companies and businesses with long payment terms.

Can I finance all my invoices?

You can choose which invoices you want to finance. Each invoice is evaluated individually based on the debtor's creditworthiness.

Will my customer know about the financing?

It depends on the model you choose. In traditional factoring, the customer is aware, but we also offer confidential financing where your customer is not informed of the arrangement.

The application is made online and takes just a few minutes. You will need basic information about your company and the invoices to be financed.

Which accounting systems do you integrate with?

We integrate with the most popular systems such as Procountor, Netvisor, Visma, and many others. Invoices can also be submitted by email.

Can invoice financing be used for export invoices?

Yes. We also offer export financing where you can finance invoices addressed to foreign customers.

Invoice financing

Invoice Financing for Businesses

Q: How does invoice financing differ from a bank loan?

Invoice financing is not a loan and does not increase balance sheet debt. The decision is based on the debtor's creditworthiness, not the applicant's. The financing decision is also significantly faster.

Invoice financing frees up your cash flow by converting outstanding invoices into immediate working capital.

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.

How it works

Financing in four steps

Apply for financing

Fill out a short online application. The process takes just a few minutes.

Tip

Applications can be submitted 24/7.

Apply for financing

Fill out a short online application. The process takes just a few minutes.

Tip

Applications can be submitted 24/7.

Get a decision

We process your application and provide a financing decision within 24 hours.

Tip

The decision is based on the debtor's creditworthiness.

Get a decision

We process your application and provide a financing decision within 24 hours.

Tip

The decision is based on the debtor's creditworthiness.

Submit invoices

Send us the invoices you want financed electronically or through your accounting system.

Tip

We integrate with the most popular accounting systems.

Submit invoices

Send us the invoices you want financed electronically or through your accounting system.

Tip

We integrate with the most popular accounting systems.

Funds to your account

Receive the advance on your invoice within 1 business day.

Tip

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.

Tip

The advance is 100% of the invoice value minus financing costs.

"Invoice financing is the most efficient way for SMEs to free up capital tied in accounts receivable. Our clients' cash flow improves by an average of 40% in the first month, as long payment terms no longer tie up the company's funds."

— Aaron Vihersola

Founder & CEO, Suomen Rahoitus

Financing expert | Over 5 years of experience in business financing solutions

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