Turn your invoice into cash— today
Don't wait 30, 60 or 90 days for payment. Get the money in your account the same day — up to 95 % of the invoice value, no collateral.
- Money in your account the same day
- No collateral, no long contracts
- 100 % financing for your B2B invoices
Trusted partner · Read customer stories
€34.2M
Financed for Finnish companies
120+
Applications in the last 30 days
4.8/5
Customer rating
€55,000 approved for a construction company, Helsinki — 5 min ago
How invoice financing works
Three steps — your invoice to cash
No long contracts, no collateral, no hidden fees. You only pay for the invoices you finance.
- 1~ 2 min
Send the invoice
Send your B2B invoice to your customer as usual and copy us. We typically approve financing within minutes.
- 2Same day
Get the money
We pay up to 95 % of the invoice into your account, usually the same day. The rest is paid out when your customer settles the invoice.
- 3On due date
The buyer pays us
Your customer pays the invoice to us on the due date. You focus on running your business — we handle the rest.
Financing without rigidity
Financing that moves at your pace
Use invoice financing only when you need it — for a single invoice or continuously. No long contracts, no monthly fees, no hidden costs.
Money now
Within the same day
Up to 95 %
Advance on each invoice
Free to use
No binding contract
Why invoice financing
The fastest way to free up your cash
Don't take a new loan to cover a cash gap — release the money that already belongs to you.
Money now
Avg. processing time 3h 42min
100 % financing
Up to 95 % of the invoice amount
No collateral
The invoice itself serves as security
No contract lock-in
Use only on the invoices you choose
New · Free AI assessment
Check your company's financing eligibility in 30 seconds
Enter your business ID → AI gives an instant pre-qualification. No commitments.
Comparison
Invoice financing vs. business loan
A business loan is often an expensive and slow solution for a short-term cash need. Invoice financing releases the money that already belongs to you — instantly.
| Invoice financing Recommended | Business loan | |
|---|---|---|
| Money in your account | Within the same day | 1–7 business days |
| Collateral | Not required — the invoice acts as security | Often a personal guarantee |
| Commitment | No contract lock-in, use per invoice | 12–60 month contract |
| Financing amount | Scales with your revenue | Fixed loan amount |
| Cost | Fee from 1.5 % per invoice | Annual rate from 6.9 % + fees |
| Default risk | Can be transferred to us (non-recourse) | On you |
Customer stories
Finnish companies trust us
Invoice financing · €180,000Foreign trade · Vantaa
Our export invoices have payment terms of 60–90 days. Thanks to invoice financing, cash flow stays steady and we can take on larger orders.
— Sari M., export manager
Invoice financing · €250,000Wholesale · Espoo
We ordered larger batches at better prices for our resellers once invoices turned into cash immediately. Margin improved by 4 %.
— Janne H., CEO
Invoice financing · €95,000Transport · Oulu
Fuel and wages don't wait for a 45-day payment term. Invoice financing saved our cash flow during the peak season.
— Marko R., entrepreneur
Invoice financing · €200,000Construction · Helsinki
Invoice financing released the capital tied to invoices immediately — we were able to hire two new workers.
— Anna K., CFO
Invoice financing · €120,000Machine shop · Tampere
We received a financing decision within a day and were able to invest in a new CNC machine before summer.
— Mika V., CEO
Invoice financing · €45,000Restaurant · Turku
Our personal contact understood the industry. Cash flow stabilised and the stress was gone.
— Petri L., entrepreneur
Leave your number — we'll call back
No form to fill in. Just leave your phone number and we'll call within an hour on weekdays 9–17. Free, no commitments.
- Response within an hour
- Your data stays with us only
- No commitments
New · Completely free
Free financing assessment in 5 minutes
Get an instant recommendation for the financing options that fit you best. Optionally, a more detailed Financing memo as a PDF — same quality as a financing advisor, free of charge.
Industry-specific financing
We know your industry's challenges
Cash flow in order
Don't wait for payments — get the money today
Invoice financing designed for Finnish companies frees your cash instantly. No need for new loans or long negotiations. Send your sales invoice, get the advance into your account, and we handle collection for you.
Works for every industry — construction, transport, IT, restaurants and many more.
See how it worksHow much invoice financing could your company get?
Answer three questions for an instant indicative estimate. No contact details required.
1Annual revenue?
2How long has the company operated?
3Is the company's credit in order?
Answer the questions on the left — the estimate will appear here automatically.
From entrepreneur to entrepreneur
Trusted by thousands of Finnish companies
We combine financing speed with personal service. Our specialists help you find the best solution for your cash flow situation — without hidden costs or commitments.
3h 42min
Avg. processing time
2,000+ companies
Financed in Finland
Secure
SSL & GDPR
See how much you get from your invoices
Adjust the invoice amount and payment term. We show the money to your account today and the fee estimate.
To your account today (net)
€49,510
- Financing (100 %)
- €50,000
- Fee (0.98 % / 30 days)
- €490
Money in your account the same day
Invoice financing — frequently asked questions
Ready to turn your invoice into cash?
Fill in the application in 2 minutes — you'll usually get an offer the same day. Free and without any commitments.