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Compare The Best Factoring Solutions

What should I consider regarding factoring?

Factoring, or invoice financing in English, is becoming increasingly popular and is mostly used by rapidly growing companies. It involves selling or borrowing against your invoices from a bank or other financial institution. It's somewhat similar to taking out a loan, with the difference being that it happens faster – you as a business get access to the funds immediately, while the bank or financial institution takes on the greater risk. This way, you don’t have to worry if it takes a little time for your customers to pay you, as you have less urgency to pay your own invoices. Previously, the advice was to carefully check who you were borrowing against your invoices from, but this has become less strict as factoring becomes more common. The most common and best players in the market can be found with us at BusinessWith. Here you can easily compare and then choose who you want as your factoring partner.

What type of factoring should I choose?

Depending on your needs, there are different ways to utilize factoring or invoice financing. Factoring with or without recourse are two of the most common options. Factoring with recourse means that you and your company must pay the invoice if the factoring company does not receive payment for it. Factoring without recourse means that the factoring company covers the cost if you do not receive payment for your invoice. Without recourse is therefore the least risky option for you. BusinessWith helps you choose a factoring partner. Here you can find the best providers in the market and easily compare using the filter where you can sort by features – start comparing now in our guide.

The Main Benefits of Factoring

List of 25 different Invoice Factoring Software

The Nordic region's largest provider of customised payment systems. Svea Checkout offers companies a complete payment system that can be easily implemented and customised to suit their needs.

Learn more about Svea Checkout

Aktia is the right-sized domestic partner for your business. We know your business environment and we know what a Finnish company needs. We provide you with a personal and smooth service, both in matters concerning your company and your own assets. You can apply for new financing or a change to an existing contract. You don't need bank IDs to apply for financing and you don't need to have been an...

Learn more about Aktia

Here you will find customised factoring solutions for businesses. With a focus on invoice factoring, AL Finans helps companies free up liquidity and streamline their finances. AL Finans takes care of the entire invoice factoring process, including administration of debtors and follow-up on payments. This frees up time and resources in your business.

Learn more about AL Finans

Flexible factoring solution for invoice borrowing and invoice purchasing with customisable features that can be modelled on your business needs. Manage risk and gain full control with an optimised process to run your factoring business and combine it with the other modules offered in aptic's solution, such as loans, leasing, collections and e-commerce. The system is updated in real time and thus g...

Learn more about aptic

Avida helps you find a quick and easy financing solution for your business. With our factoring services, you get more time for your business and faster payment of your invoices.

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Billecta's factoring service offers the opportunity for companies to sell their invoices to Billecta to solve the cash flow problem in one day. At the same time, Billecta takes care of the invoice administration and the customers whose invoice is being handled keep exactly the same terms as before. In other words, this service from Billecta can generate a stronger cash flow to the company while ma...

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This service from Capcito enables you to sell and hand over the invoice management in order to receive the money quickly and avoid the administration of invoice management. Use the calculation tool on Capcito's website to review the possibilities around payments and form an idea of what opportunities are available before deciding. Capcito has lead times with requirements for the number of invoices...

Learn more about Capcito

Collector bank offers a customised factoring service with the option of carrying out invoice purchases with or without recourse. Give customers the time they need to pay, but at the same time take the opportunity to access the invoice capital quickly and smoothly with Collector bank's factoring service. Export factoring is a function that Collector offers in its service, where companies have incre...

Learn more about Collector bank

Danske Bank offers a range of different corporate packages depending on the nature of the business and its needs. Business customers also have the opportunity to supplement the various business packages with additional services to match individual needs. Danske Bank also offers comprehensive financial advisory services, as well as access to digital tools and connectivity to selected financial syst...

Learn more about Danske Bank Företag

With Finlandia Factoring invoice financing, you smooth your business cash flow and remove unnecessary bottlenecks to additional sales, growth and development. By improving your company's liquidity and smoothing cash flows, your business will no longer be dependent on long payment terms from large customers. With Finlandia Factoring invoice financing, your company gets the money on its account imme...

Learn more about Finlandia Factoring

Save time and obtain capital faster with the help of Ikano bank's factoing solution. Ikano bank offers companies to buy their invoices and take over customer contact with the customer whose invoice is being bought. This enables further investment in the company and frees up valuable time that can be spent elsewhere developing the organisation. Get paid immediately and avoid waiting times and adapt...

Learn more about Ikano bank

Invioce finance factoring is an effective service for creating financial security for your company. Eliminate credit risks and increase your company's liquidity with this service, offered both with and without recourse. Four different options are offered where Invioce can buy invoices, mortgage invoices, handle invoice processing or help collect payments depending on the needs of the company. This...

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A comprehensive solution for invoice processing and factoring. The system can also offer support for integrated credit processing, invoice monitoring and interest on arrears, which are important functions that are of great help in running invoice and pawn related businesses. Control credit and ensure payments are collected with interest rates that provide a good deal for both the invoice buyer and...

Learn more about Keeros

How about an easy-to-use and free invoice financing program that you can get up and running in less than 5 minutes just by creating an account? Invoice Finance is quick to set up and you can continue to pay your invoices using the software you're familiar with, we'll pick them up directly from there. We integrate with all known financial management systems.

Learn more about KTI

Factoring is an invoice financing service that enables a company to finance its working capital needs by transferring invoices to a financing company. The finance company grants a short-term loan to the company against the trade receivables transferred. The loan is repaid when the invoices are paid by the buyers to the finance company's account by the due date.

Learn more about Laskukauppa.com

Midtfactoring offers personalised advice and support to help your company make the right financial decisions. They offer professional factoring solutions with a focus on optimising your cash flow and minimising the risk of losses. In other words, they help you establish a more efficient financial management that focuses on growth.

Learn more about Midt Factoring

This provider specialises in delivering tailored factoring solutions to help you improve your finances. Nordea Finance Factoring is the ideal partner to optimise liquidity and unlock potential in your business. Through features such as professional debtor management, a credit assessment process that minimises the risk of loss and a team of experts ready to provide you with advice and support.

Learn more about Nordea Finans

Factoring is an easy and secure way to get money safely and quickly. We solve your challenges flexibly, quickly and easily. Get a complete overview of your purchase invoices, payments, reports and history in real time with our modern customer portal. So you're always up to speed on what's going on. The customer portal requires a separate login. It's the most secure tool for getting things done.

Learn more about Norra Finans

Omniveta Finance offers easy and transparent invoice purchasing that can help you improve your cash flow. They offer an alternative to traditional factoring. With invoice factoring, you pay a small fee to get your money quickly.

Learn more about Omniveta Finans - FAKTURAKØB

Does your company need a financial service to improve working capital management, liquidity and outsource the management of your accounts? Accounts Receivable Financing (A/R Financing) is a versatile solution for working capital and credit risk management. Invoice financing is best suited to manufacturing and wholesale businesses. Invoice Finance offers both financing and services for your busines...

Learn more about OP Factoring

Payex offers invoice finance and invoice factoring, a service that enables businesses to access their money quickly and invest it where it is needed most. Improve liquidity and grow your business faster while Payex can, for example, handle the invoices and perform everything from payment reminders to debt collection. Depending on how much of the management is to be carried out by Payex and by you,...

Learn more about Payex

Quiddly is a software company that develops and licences platforms for debt collection, credit and invoicing. Their customers include banks, factoring companies and fintechs. Their systems are used to automate and optimise work processes linked to invoicing, factoring and debt collection. The solutions also include modern white-label portals for customers' clients and debtors.

Learn more about Quiddly

The factoring of Rahoittamo Oy offers you high quality and prompt service at affordable prices with a flexible contract and no annual fee. You can even get a financing decision the same day you contact us now.

Learn more about Rahoittamo

By using our factoring service, you can quickly convert your company's trade receivables into cash. Factoring is easy to use because it allows you to transfer all your company's invoicing to us. With factoring, we grant credit against your company's trade receivables - the remainder of the receivable is paid to your company when the final customer has paid their invoice.

Learn more about Svea Factoring

Zwebb is a cloud-based factoring platform for managing invoice purchasing and invoice financing. Conduct fully automated invoice purchases and create price estimates directly on the website to facilitate the buying and selling process using Zwebb. Mobile bankID can be easily combined with Zwebb and allows for quick logins and registrations, which is a convenient feature for the user. Short waiting...

Learn more about Zwebb

Quick Guide

The Main Benefits of Factoring

Avoid taking risks and receive funds quickly – with factoring you increase your company's liquidity. Good liquidity should not be underestimated; it is needed in all businesses to have the capacity to invest forward. For example, it is not unusual for a startup to have a great need for incoming funds, but it may not be pleasant to have a credit period shorter than a pinky finger. When you sell or borrow against your invoices, you can be more generous with your customers regarding the due dates on your invoices. You can simply relax and know that the money will come in.

Another advantage of factoring, or invoice financing, is that you decide which invoices to borrow against; it does not necessarily have to be all of them. Do you feel convinced that factoring could be a way for your business to unlock cash flow? Then you are welcome to start comparing the different tools or providers of factoring right now. We list the various providers available in the market so that you can find the best factoring solution for you. If you have questions, BusinessWith is of course here to help you.