Unsecured financing
Unsecured invoice financing — the invoice itself is the security
You don't need a personal guarantee, real-estate lien, or business pledge. In invoice financing the financed invoice is the security — and the decision is based on your customer's ability to pay, not your assets.
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 unsecured invoice financing works
With a bank loan, collateral is often the obstacle — with invoice financing it's unnecessary. We finance a receivable that already exists, so the risk is assessed against the invoice payer's ability to pay, not the supplier that has already delivered.
No personal guarantee for individual invoices
No business pledge or real-estate lien
Doesn't tie up other company collateral
Your bank limit stays free
Decision based on customer's ability to pay, not your balance sheet
Minor credit history blemishes don't usually disqualify
How being unsecured works in practice
Invoice = security
The financed invoice transfers to us and acts as security. You don't have to pledge anything else.
No pledging
You don't lose rights to your company's machinery, real estate, or shares. All your assets remain unencumbered.
Lighter process
Because collateral isn't assessed, decision and payment usually happen the same day.
Is unsecured invoice financing right for you?
Right for you if…
- A company without free collateral
- Bank limit already fully used
- B2B invoicing to creditworthy customers
- 14–90 day payment terms tie up cash
- You want to avoid personal guarantees and pledges
May not fit if…
- Pure consumer sales (B2C)
- Customers with payment defaults
- Individual invoices below €1,000
- Need is something other than receivables financing (e.g. investment)
Frequently asked questions
Apply for unsecured invoice financing
We usually get back to you the same business day. Submitting is non-binding.
See also: Invoice financing · For SMEs · Unsecured invoice financing