Ibland kan finansiella branschtermer kännas lite krångliga, vi vet! Därför har vi valt att samla de vanligaste frågorna som vi får in här på vår FAQ-sida. Skulle du undra över något som inte finns med i listan? Kontakta oss gärna så löser vi det!


Invoice discounting


If my customer doesn’t pay you, what happens?

First, we send your customer a reminder. If your customer still doesn’t pay, we will try to contact the customer. If we still do not get paid, a debt collection claim will be issued. For further questions please contact us.

Would you like to know more about our services?

Please contact us or chat with us on our Facebook page.

Have you received a letter from us?

And if you can’t find your answer in our FAQs you can always call us at +46 (0)46-31 20 20.

I/my company have/has record of non-payment. Can I become a customer anyway?

Yes. Many of our customers have liquidity fluctuations, but that doesn’t prevent you from becoming a customer with Euro Finans and selling your invoices.

What does it take to become a customer at Euro Finans?

You must have a registered company and customers that you bill. It is very easy to become our customer, please call us at +46 (0)46-31 20 20 to find out more.

Why shall I choose Euro Finans?

Above all, you shall choose Euro Finans because we are the company in Sweden with the largest amount of bought invoices. We have equity and we take the greatest risks in the market. This basically means that we buy invoices from more customers than our competitors do. Euro Finans is a well-known brand that creates security for you and your customers.

Do you agree to payment by instalments?

We currently don’t offer payment by instalments for individuals. However, we can always look at the exact case with which you need help. Please call us and we will take a closer look at your case, at +46 (0) 46-31 20 20.

Is there any monetary limit for the invoices?

No, there is neither a minimum nor a maximum. However, we usually recommend that the invoice is at least SEK 5,000 incl. VAT when you sell your invoices to us.

What if my customer is not creditworthy?

If your customer is not creditworthy, we will always try to help you handle the invoice through one of our other services. Please call our credit department at +46 (0)46-31 20 20 and we’ll see if we can help you.

Do you confirm all the invoices I submit?

No, we don’t. We confirm some, but not all invoices.

What if my customer disputes the invoice?

Then we try to ask why the invoice has been disputed. In most cases it can be solved by talking to each other. We can give you a helping hand when dealing with this.

What is happening with my case?

To follow your case, log into our APP or our customer centre. The link can be found here: KAF-Online

Factoring, accounts receivable factoring, invoice factoring, accounts receivable financing – are they all the same thing?

Yes, it’s the same service, only with different names and whether you see it from the perspective of a seller or buyer.

Why invoice factoring?

A quick answer: you release capital for the company. You will be able to pay salaries, your taxes or reinvest the money through the purchase of materials or equipment. Instead of waiting for 30, 60 or up to 120 days for your money, you will receive the money the same day through invoice factoring!

We have overdue invoices – can you help us get paid?

Debt collection is a very powerful tool in this context. Feel free to contact us and we’ll see if we can help you.

Do you assume the credit risk for private customers?

No. Currently we don’t assume credit risk for your private customers. However, we have noticed that private customers’ willingness to pay increases significantly if the invoice comes through Euro Finans.

Do you assume the credit risk for businesses?

Yes, as a rule, we assume the credit risk when buying an invoice, but it depends on our agreement.

Do you buy overdue invoices?

No. However, we offer other solutions to help you release capital. Please call us on 046-31 20 20 for more information.

Do you buy invoices with Swedish ROT/RUT deductions?

Yes. However, we only buy the part that your customer will normally pay. You must still apply for the deduction from the Swedish Tax Agency.

Do I have to sell all my invoices?

No, you choose which invoices you want to sell through factoring, invoice monitoring or invoice discounting.

What is the difference between invoice factoring and invoice discounting?

Basically, when we buy an invoice (factoring), we assume the credit risk, and when you draw money against the invoice (invoice discounting), you assume the credit risk yourself.

What length of credit period can you handle?

We believe that invoice factoring doesn’t pay off after 120 days. There are other solutions, such as business loans, instead. Read more about our various financing options here.

Can you buy my invoices for foreign companies?

Yes, we buy invoices for your foreign customers. However, we do have some reservations, so please call us at +46 (0) 46-31 20 20 and we’ll take a look at your specific case.

How fast do I get the money when I sell my invoice?

When you sell your invoice to us, the payment is usually made the same day.

How much does it cost to sell my invoice?

We do not apply fixed price lists. Among other things, we are looking at whether you want to sell individual or all invoices, your credit period and what your customer base looks like. Feel free to contact us and you will get a specific price for you and your company.

Does selling my invoice affect my customer?

Invoice factoring doesn’t affect your customer. Your customer will see an electronic label on the invoice with our bank giro number (an electronic funds transfer system available in Europe that permits a payer to transfer funds from their bank account to a payee’s bank account). You and your company still retain your identity.

How does invoice factoring work?

Invoice factoring is easy. Send your customer invoice to us instead of to your customer. We pay the money to you and then we wait for the payment from your customer.

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