FREQUENTLY ASKED QUESTIONS

You need to have a registered business and customers that you invoice. Becoming a customer with us is very easy. You can sign up as a customer here!

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The simple answer is that it enables you to free up capital for your business. Instead of lending money to your customers, possibly for as much as 90 days, you receive the money into your account right away. The extra liquidity that invoice purchasing creates enables your business to e.g. get a cash discount, make a good deal, speed up a wise investment, or maybe make an important tax payment. The service also simplifies your administration. Get started with invoice purchasing here. 

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If your customer disputes an invoice, we will try to find out why. In most cases, this can be resolved by having a dialogue with each other. We have handled hundreds of thousands of purchased invoices over the year, and can often suggest a good solution that fits all parties.

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At first, we will send them a reminder. If your customer still does not pay, we try to contact the customer. If we still are not paid after this, a debt collection claim will be issued. If you would like to know more, please contact us on phone +4646 – 31 20 20

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No. It does not affect your customer that you sell your invoice to us. Your customers are just as important to us as it is to you. The only difference is that your customer will see an electronic label on the invoice with the bank giro number of Eurofinans. Read more about factoring here!

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No. We occasionally reconciliate with customers, but not on every invoice. If you would like to know more, you can always contact us on phone +46 –46 31 20 20.

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Yes. We also buy invoices with ROT or RUT deductions, but only for that part of the amount that your customer is normally expected to pay. You have to apply for the deduction yourself with the Swedish Tax Agency.

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Factoring is a very simple process. You quite simply send your customer invoice to us, instead of sending it to the customer. We pay the money to you directly, normally on the same day, and then we wait for your customer to pay. Become a customer here!

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We always make a careful assessment and credit check before entering any agreements. This is for our customers’ safety as well as ours.

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Factoring is a service that helps you increase the liquidity of your business. This is very useful when the business needs money, quite simply. The service also simplifies your administration and minimises your credit risk. Invoice purchasing means that you send us one or more of your customer invoices. You get your money immediately for the work that you have done, and you do not have to wait for the customers to pay. Read more about invoice purchasing here!

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Yes. It is also possible to sell foreign invoices to us, but there are some reservations.  

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We do not apply any fixed price lists and there is no concrete answer to what it costs to sell an invoice. The price is dependent on a range of factors, including the size of the amount you are invoicing, and whether you want to sell some or all of your customer invoices. You can always send submit a request to sell invoices to receive a quote. This does not bind you to complete the deal. Here you can get started with selling your invoices.

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Once you are a customer with us, the payment will quickly be made to your account quickly. We normally make the payment on the same day that we receive the invoice.

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No. We do not buy overdue invoices, but our debt collection department can help you collect payment on overdue invoices. Read more about our debt collection services here.

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Yes. You can sell us invoices with a range of different recipients, whether they are private individuals, non-profit or economic associations, foundations or insurance companies.

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Yes. We completely understand that a temporary lack of liquidity in your company may result in a record of non-payment. That is why our services are needed, after all. Many of our customers have uneven payment flows, and this does not prevent anyone from becoming a customer and selling invoices to us. Become a customer here!

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We offer invoice purchasing, factoring, business loans, debt collection, legal advice and an accounting system.

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No. We apply neither a lower or an upper limit on the amounts of invoices we buy.

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No. We do not assume the credit risk of your private customers. However, in our experience, the likelihood that your customer will pay increases if the invoice comes from Euro Finans.

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No. You can decide which invoices you want to sell. Read more about how to sell an invoice  here!

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No. At present, we do not support integrating factoring directly into external e-commerce solutions. We can, however, still purchase your invoices. If you would like to know more, you are welcome to contact us on +46 46-31 20 20.

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Yes. We normally accept the credit risk when we purchase invoices, but this also depends on the agreement that you have made with Euro Finans. Read more about factoring here!

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In this case, you can quite simply send us a credit note and a new, corrected replacement invoice.

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The largest difference is that we assume the credit risk when you sell us an invoice. Read more about factoring here! Read more about selling your invoices here!

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Depending on the agreement that you have signed with us, you pay a fixed annual fee and a variable fee depending on the assignments that you have with us.

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We always make a careful assessment and credit check before entering any agreements. This is for both our customers' and our own safety. Become a customer here!

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Yes. We can help you collect payment on overdue invoices. Euro Finans offers debt collection services, which we know from experience is a powerful tool to collect payment. Read more about our debt collection services here.

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Business loans are a service that temporarily helps you to increase the liquidity of your company, when the company needs money quickly. Apply for a business loan with us here!

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When you send us an application for a business loan, we will provide you with a price proposal specifying a fixed fee. There are no hidden charges. Apply for a business loan here.

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We do not charge interest on business loans. As a customer, you pay a fixed fee that we have agreed. Depending on what you need help with and what your loan looks like, you can make monthly repayments or pay the entire amount back at the end.

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On My Pages, you will find all the information about how you will repay your loan. Prior to each repayment, you will receive a payment slip to use when you make your payment. If you would like to settle the loan early, contact us and  we will help you.

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There can be many reasons to borrow money. Perhaps you need to buy some new equipment or a company car in order to be able to carry out your assignments, hire new staff to handle a large order, make a wise investment, or restock inventory for the Christmas rush. Read more about our business loans here!

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Swedish limited companies, sole traderships, partnerships and limited partnerships are welcome to apply for business loans with Euro Finans - no matter how large or small the company is. You can submit your loan application here. You are also welcome to contact us on +46 46 - 31 20 20.

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We always make a careful assessment and credit check before we enter any agreements. This is for our customers’ safety as well as ours.

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If the period of your loan is relatively short, you can choose if you wish to repay the loan in instalments or if you want to pay the entire amount at the end of the term. For loans with longer maturities, repayments must be made in instalments. If you choose to repay in instalments, the price of the loan is a little lower. We always try to find a good solution that fits you. Read more here!

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Yes. We help many companies to finance a good deal or an important investment, by offering smart business loans. You can submit a loan application directly via the website to receive an offer. Apply for a business loan here!

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Your loan application does not bind you to anything and is entirely free of charge. Submit your loan request digitally here!

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You can easily apply for a business loan using our website or by contacting us directly. We will quickly process your application and typically get back to you within a few hours with a proposal.  The request is never binding. As soon as we have reached an agreement, you will receive a loan agreement which you can easily sign using Bank ID. When this is done, we will deposit the money into your account, usually within 24 hours after you submit your application. Apply here!

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Your company must have a Swedish bank in order to be eligible for a business loan.

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We always require two guarantors for our business loans. If the loan is of a larger amount, this collateral may need to be supplemented. This is evaluated on a case-by-case basis. Would you like to know more?  Read more here! 

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We offer invoice purchasing, factoring, business loans, debt collection, legal advice and an accounting system.

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We help many companies to finance a good deal or an important investment by providing smart business loans. You can submit your loan application here.

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Once you are a customer with us and have signed your loan agreement, the payment goes to your account immediately. Typically, you will have the money in your account on the same day as you submitted your application.

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Our business loans are designed as fixed loans, and the fee does not change if a loan is repaid earlier than agreed. For that reason, we encourage our customers to carefully consider how much time they need, when making their application. There is no extra fee if you should choose to repay your loan early.

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We do not process applications for amounts under SEK 100,000. There is no upper limit, however. Euro Finans have strong finances and can, in the right circumstances, lend large amounts. Apply here!

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We typically lend money for between two to six months. The longest term we provide is twelve months. If you need the money for a shorter time, we recommend that you consider invoice purchasing instead. Read more about our other financing solutions here.

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Your company must be registered and active before you can receive a business loan from Euro Finans. Our loans are therefore not suitable as a start-up loan. In order to quickly get liquidity into the company,  we recommend invoice purchases instead. 

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