Why sell invoices?
Benefits of invoice sales
No binding contract
Invoice sales do not require a long-term contract. You can sell invoices whenever you want – without commitment or monthly fees.
Individual invoices
Choose which invoices you want to finance. Sell one invoice or several – the decision is always yours. You are not obligated to sell all your invoices.
Fast financing
You typically receive funds in your account on the same day. From selling the invoice to receiving financing can take just a few hours.
No collateral
The invoice itself serves as collateral for the financing. You don't need property or business mortgages, and a personal guarantee is usually not required.
Choose your invoices
You decide which invoices to sell and when. You can use the service on a one-time basis or regularly – entirely according to your own needs.
Credit risk transfers
When you sell an invoice to us, the credit risk transfers. You don't need to worry about whether your customer pays the invoice on time or not.
How invoice sales work
Funds in your account in four steps
Choose an invoice
Select the invoices you want to finance from your sales invoices. You can choose one or several invoices at a time – the decision is always yours.
Choose an invoice
Select the invoices you want to finance from your sales invoices. You can choose one or several invoices at a time – the decision is always yours.
Apply for financing
Send the invoice to us for evaluation through our online service. We need the invoice details and your customer's basic information for the financing decision.
Apply for financing
Send the invoice to us for evaluation through our online service. We need the invoice details and your customer's basic information for the financing decision.
Receive an offer
We quickly assess the invoice and your customer's creditworthiness. You'll receive an offer showing the financing price and terms clearly.
Receive an offer
We quickly assess the invoice and your customer's creditworthiness. You'll receive an offer showing the financing price and terms clearly.
Funds to your account
After accepting the offer, funds are typically transferred to your account on the same day. Your customer pays the invoice to us on the due date.
Funds to your account
After accepting the offer, funds are typically transferred to your account on the same day. Your customer pays the invoice to us on the due date.
"Invoice sales are our most flexible form of financing. They are particularly suitable for companies whose financing needs vary – for example, in project-based business or during growth phases. In the non-recourse model, the credit risk transfers to us, giving the entrepreneur peace of mind."
— Aaron Vihersola
Founder & CEO, Suomen Rahoitus
Financing specialist | Over 5 years of experience in business financing solutions
Frequently asked questions
Everything about invoice sales
Industries
Invoice sales (one-time)
See how invoice sales (one-time) suits different industries and read our industry-specific solutions.
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