Invoice financing for SMEs
Invoice financing for SMEs — growth working capital without bank queues
An SME can't pause to wait for a customer's payment date. With invoice financing you turn a sent invoice into cash the same day — up to 95% advance.
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
Why SMEs choose invoice financing
Banks can't keep up with growth, and you can't run to loan negotiations for every big order. Invoice financing gives an SME the same liquidity as a large corporation — without the heavy structures.
Working capital for growth without bank queues
Limit scales with turnover — no ceiling on growth
Customer payment delays no longer lock up cash for 30–90 days
Doesn't burden collateral — bank limit stays free
Credit-loss risk transfers to us (non-recourse available)
Flexible agreement: finance single invoices or the whole ledger
Typical SME use cases
Construction SME
Main contractors' 60–90 day payment terms tie up hundreds of thousands. With invoice financing you pay subcontractors and wages on time — without waiting for the final invoice.
IT & consulting firm
Large project invoices are €20–80k. Invoice financing smooths the cash gap when the next project's billing is still weeks away.
Wholesale, logistics & transport
In a volume business every day costs money. Cover fuel and payroll immediately, even when the retail chain's payment term is 45 days.
Is invoice financing right for your SME?
Right for you if…
- Turnover roughly €200k – €10M
- B2B customer base (business invoicing)
- Payment terms of 14–90 days tie up cash
- Company is in a growth phase or strongly seasonal
- Bank credit is fully used or you don't want to grow it further
May not fit if…
- Pure consumer sales (B2C)
- Individual invoices below €1,000
- Customers with poor credit or payment defaults
- A brand-new company with no first B2B invoices yet
Frequently asked questions
Start SME invoice financing today
We usually get back to you the same business day. Submitting is non-binding.
See also: Invoice financing · Factoring · Business loan