Invoice financing for IT
Invoice financing for IT — growth cash flow at your speed, not the bank's
IT projects are billed in large milestones, but the buyer's payment term stretches to 30–60 days. With invoice financing you turn a consulting invoice, licence batch or project delivery into cash the same day.
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 a growing IT firm chooses invoice financing
Margins in IT are reasonable, but payroll is large and runs every month. A single €50,000 project invoice waiting 45 days can absorb a whole month of cash. Invoice financing removes the trade-off between growth and liquidity.
Consulting days to cash immediately — not a month later
Senior developer wages paid predictably on time
Cloud, licence and supplier bills handled on time
Limit scales as you take on new projects
Bank line stays free for, e.g., acquisitions
You can price more aggressively when cash doesn't force discounts
Typical use cases — it companies
Custom software development
Customer projects are billed by milestone — e.g. €25,000 per phase. Team wages run immediately, but the customer pays 45 days later.
IT consulting and expert work
10 consultants × €8,000/mo = €80,000 monthly billing from one customer. A 60-day term means two months of payroll is always stuck in receivables.
Cloud and IT service provider
MSP or cloud provider bills B2B customers monthly. Subscription billing can be financed immediately — predictable cash every month.
Industry pain points and how invoice financing solves them
Long B2B payment terms
Challenge: Large customers demand 45–60 day terms, tying up cash.
Solution: We finance every sent invoice the same day — 90–95% advance.
High payroll costs
Challenge: A senior developer's €7,000–10,000 monthly salary leaves the account every 15th.
Solution: Predictable daily cash flow ensures payroll without stress.
Cloud and licence costs
Challenge: AWS, Azure and SaaS bills come monthly and grow with customer volume.
Solution: You receive customer invoices as cash before the cloud bill is due — sales growth doesn't break cash.
Project transitions
Challenge: Between the end of one project and the start of the next, billing pauses for a moment.
Solution: Regular ledger financing softens those transition months.
Missing growth capital
Challenge: Getting a bank loan is slow and ties up the company's collateral base.
Solution: Invoice financing works without collateral and scales with revenue.
Last link in the subcontracting chain
Challenge: When you sell through a reseller, the end customer pays late → the reseller pays you even later.
Solution: We finance the invoice you send to the reseller — you don't have to wait for the chain.
Is invoice financing right for it companies?
Right for you if…
- Custom software, consulting, IT services
- B2B customer base (companies, public sector)
- Payment terms 14–60 days
- Single invoices typically €5,000 – €100,000
- Revenue €200,000 – €20M
May not fit if…
- B2C mobile games or consumer subscriptions
- Ad-revenue-only business
- Customers based outside the EU with no EU entity
Frequently asked questions
Start IT invoice financing today
We usually get back to you the same business day. Submitting is non-binding.
See also: Invoice financing · For SMEs · What is factoring? · Pricing