Factoring / invoice finance
Turns B2B receivables into immediate cash and grows with your sales. Typical amount: 70–90% of invoice value advanced (typ. 1–3% of invoice value + interest).
Facts last verified 23.7.2026
Turns B2B receivables into immediate cash and grows with your sales. It is the most common cure for growth-driven cash tightness.
Key facts
- Provider: Banks & finance companies
- Type: Credit line
- Typical amount: 70–90% of invoice value advanced
- Rate / terms: typ. 1–3% of invoice value + interest
- Legal basis: Market terms
- Who it is for: Micro to midcap companies · working capital
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Factoring / invoice finance provide?
Typical amount: 70–90% of invoice value advanced. Support level / terms: typ. 1–3% of invoice value + interest.
Who can apply for Factoring / invoice finance?
Provider: Banks & finance companies. Company size: micro, small, medium, midcap. Typical use: working capital.
On what legal basis is Factoring / invoice finance granted?
Market terms.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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