Krea
Utmärkt 4.7 / 5
Factoring - Hero picture
Utmärkt 4.7 / 5
410 omdömen

Factoring – Free up capital and improve cash flow

  • Apply for free | Factoring with or without recourse

  • Better terms | Compare multiple factoring companies - see which+

  • Save time | Our advisors find the right solution for your business

The service is free of charge.How come?

Factoring companies and their terms

Below is a list of the factoring companies that Krea compares. Last updated on March 20, 2024.

Factoring with recourse

We compare two factoring companies that purchase invoices with recourse. Factoring with recourse means that, under certain conditions, unpaid invoices are returned to the seller.

Factoring without recourse

We compare six factoring companies that purchase invoices without recourse. Factoring without recourse means that the factoring company assumes the entire credit risk once you’ve sold your invoices.

Method: More about our analysis

Our list of factoring offers is updated monthly and includes information from the factoring companies we collaborate with.

Factoring – what is it and what options are available?

How does factoring work?

Factoring means that a company sells or uses its invoices as collateral with a factoring company, which pays out a large portion of the invoice amount upfront—usually between 70–90%. The customer then pays the invoice directly to the factoring company, which handles all administration, reminders, and debt collection if necessary. Once the customer has paid the invoice, the company receives the remaining amount, minus a fee.

With factoring, a company can quickly unlock capital, providing more flexibility for investments and new business opportunities without having to wait for customer payments.

The different types of factoring:

Krea anställda 8 2024

Invoice discounting

You retain responsibility for the invoices but use them as collateral with a factoring company.

You receive 70–90% of the invoice value upfront, and the remainder is paid out once the customer has paid.

You are responsible for collecting payments and handling any reminders.

Sell invoices/Invoice purchase

You sell your invoices to the factoring company and receive the full amount upfront.

The factoring company takes over the responsibility of collecting payments from your customers.

The factoring company takes over both the responsibility and the risk associated with the invoices.

Our advisors

We negotiate your factoring agreement
Marco Studer

Marco Studer

Head of Credit Advisory & CPO
Andrea Melin

Andrea Melin

Credit Advisor
Ella Almstedt

Ella Almstedt

Head of Customer Success
Linda Ekström png

Linda Ekström

Customer Success Manager

Our most common questions about factoring

Get an estimate of your factoring cost

Use our calculator to see your estimated monthly cost for a factoring agreement.
Uppskattningen är indikativ. För att se vilka villkor som är relevanta för just ditt företag rekommenderar vi att du påbörjar en ansökan.

Pros and cons of factoring

Factoring can be an effective tool to quickly release capital and improve cash flow for your business. However, like all financing solutions, there are both advantages and disadvantages to consider.

Below, we cover the key aspects of factoring to help you make an informed decision.

Krea anställda 8

Pros:

Quick access to capital: You get paid immediately when you issue a new invoice and don’t have to wait 30-90 days.

Less administration: You can eliminate administrative tasks, including reminders and debt collection management.

Flexibility: With factoring, you can access financing based on your invoices, making it easier to grow in line with sales.

Cons:

Higher costs: Factoring can often be more expensive than other forms of financing, such as a traditional business loan.

Loss of control: By selling invoices, you give up some control over customer relationships, as the factoring company takes over the management of payments.

Revenue requirements: Many factoring companies have minimum revenue requirements, making factoring less suitable for startups and smaller businesses.

FACTORING

Free up capital – sell or pledge your invoices

Get paid immediately with factoring. Apply for free and compare offers from multiple providers within a day.

Invoice financing in three steps

1
Upload your invoices or ledgers
Foretagslan - Process - Step 1

Upload your invoices or ledgers

Create the application yourself or book an appointment with one of our advisors free of charge.

How long does an application take to create?
2
We optimize your application
Foretagslan - Process - Step 2

We optimize your application

We ensure that your company is presented in the best possible way. Only 1 credit report is taken.

How?
3
We help you choose the best offer
Invoice financing- Process - Step 5

We help you choose the best offer

Sign the agreement and get the money paid out. Usually within 1-10 days.

We have helped over 20 000 businesses

Vårt betyg är 4.7 av 5 baserat på 410 omdömen på Trustpilot.
As a hardworking and busy small business owner, it’s difficult to find the time to search for and negotiate the best loan terms. This is where Krea was a great help to me! They responded quickly, provided valuable advice, and were in no way pushy. I found the interaction very pleasant and rewarding.
Ann-Charlotte Thörnros
My advisor Andrea was very helpful. I had never taken out a loan before, but with Andrea's help, I felt secure throughout the entire process.
Kevin Mahir Toprak
I found the entire process smooth, clear, and fast. We arrived at a solution that suited us and had a transparent structure, and as mentioned, everything was quick and seamless.
Magnus
Everything from advice on application design to improved conditions by linking accounting! From application to disbursement took 5 days, of which I waited about 1.5 days before choosing an offer.
Renee Nilsson
Everything went so smoothly and well—no hassle at all, unlike how it usually is.
Andreas Eriksson
Through Krea, I secured adequate financing on smooth and flexible terms—plus, with minimal administrative effort.
Johan Berggren
Fast and excellent service! Good feedback, both via email and from customer service. Better than many similar companies! Highly recommended.
Hans Forsslund
Fantastic staff and support! They never give up and help you all the way.
Alexandra Johansson Wall
Fast and excellent service, friendly approach, and knowledgeable staff who support us entrepreneurs and assist when urgent purchases or long-term capital loans are needed. I highly recommend this and will handle all my future equipment and inventory capital loans through Krea.
Robin Anderberg
Thank you for the dedicated and well-handled process in finding the most suitable financing for my business.
B-O Torpestad
Krea is fantastic at finding solutions for their customers—fast and professional!
Sacho Grandin

Since 2018, we have helped more than 20 000 companies find better terms and take their business to the next level. Read more about Krea.

SEK 2.2 billion

mediated volume to Swedish companies

How you get better terms on factoring with Krea

Up to 30 banks compete for your business

Selection of our banks and lenders

Capcito - Foretagslan - Logo
Svea - Foretagslan - Logo
Serafim-Finans-Logo
Billecta factoring
factoring
factoring

We expose the most banks and lenders to competition on the market.

Invoice financing with best terms guarantee

Villkorsgaranti-Foretagslan

You always get the same or better terms with Krea as with the invoice financing company.

How?

Small business owners trust us

Will Brand företagslån
Will Brand AB

Will Brand AB

  • Trade
  • Revenue: 5-10m
  • Loan: 0.5m

We are growing faster than expected, and our business webshop (www.willbrand.se) needed an uplift, while we also needed to prepay the production for two significant fall projects.

At Krea, it surprisingly works quickly, and you receive a pleasant and good treatment from their service personnel. The process was significantly smoother compared to the old-fashioned 'banking world'."

Pierre Gasslander, CEO

The Italian Cousins - Fotograf Mattias Hamren-5

The Italian Cousins

  • Restaurant
  • Revenue: 15-20m
  • Loan: 2-3m

We are embarking on a major expansion, opening two new restaurants. Krea's advisors helped us find the right financing, allowing us to focus on the expansion. It was time-efficient, and by having Krea compete with different banks, we also ensured favorable terms for the new financing.

Enrico Artoni, Founder

Saltö Marin finansiering
Saltö Marin AB

Saltö Marin AB

  • Real estate
  • Revenue: 10-15m
  • Loan: 5-10m

I found it to be a good way to compare different terms, especially now when major banks are not as interested. The process through Krea is significantly faster and saves time compared to going directly to the bank.

Mats Lindqvist, CEO

Common questions about factoring