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Factoring

Balance your operating cashflow, while waiting payments for issued invoices.

  • Immediate improvement of cashflow.
  • Bank collects and monitors payments from buyers.
  • The financed invoices serve as the collateral.
  • We are here to help you if you have any questions.

Factoring limit starting from 35 000 €.
  • 00.00

The calculation is approximate and it is not a commitment to provide financing.
  1. Financing purpose - for recurring transactions.
  2. Factoring limit - from 35 000 €.
  3. Invoice due date - up to 120 days.
  4. Buyer’s country - worldwide.
  5. Price - agreement fee, commission fee and interest as agreed.
  • Instant use of working capital for other purposes.
  • Opportunity to offer better payment terms to your customers.
  • Possibility to use credit insurance to cover buyer insolvency risk.
  • Factoring reports in Internet bank provide an overview of transactions and simplify accounting.
  • Apply for changes in your existing factoring agreement digitally.
  • Goods and services on the invoice have been delivered.
  • Buyer and seller must not be related companies.
  • Claims underlying the invoice may not be pledged or transferred to third parties.
  • Seller and buyer should not have any counterclaims that would enable to clear the invoice.
  • The invoice has a fixed due date that has not yet arrived.
  • Buyer has had no significant payment delays.
  • Not available for invoices covering construction, installation or repair works.
  1. Fill out the application form and the bank will contact you within 2 business days.
  2. After the positive decision, sign the agreement digitally.
  3. Issue invoices to the buyer with an assignment note.
  4. Send the signed invoices and the summary list (or other documents requested in the agreement) to the bank.
  5. You will receive up to 90% of the invoice amount in your company’s account within 3 business days.
  6. Once the buyer has paid the invoice fully to the specified Swedbank account, you will receive the remaining amount.
 We may request your company’s last annual financial report, if it has not been submitted to the Commercial Register. The balance sheet and income statement submitted may not be older than 12 months. We may also ask to see sales contracts, orders or other documents related to your cooperation with the buyers.

View the financing eligibility of your business

The financing eligibility of your business is based on its latest annual report. Responsible corporate behaviour creates easier and more favourable access to funding.

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  1. Log in to the Internet Bank.
  2. View your financing eligibility level.
  3. Identify your strengths and weaknesses.
  4. If you do not see the financing eligibility level of your business or if you have any questions, please book an appointment for a personal consultation.

Financials

Your company’s loan eligibility is based on your latest financial statement, so be sure to do your accounting properly and keep the financial statements up to date.

Up to date annual, and sometimes quarterly, financial statements are instrumental in the loan application process.

Your equity is:   EUR.

Equity ratio is:  %.

The bigger the self contribution in a company’s assets, the lower the credit risk related to the company.

EBITDA Earnings before interest, taxes, depreciation and amortization   EUR.

A company’s ability to generate profit is an important factor in financial eligibility evaluations.

A company should have enough cash available to cover potential additional liabilities.

To be eligible for financing, a company must have a sufficient level of turnover or a future project with good turnover potential. A sustainable pace of turnover growth is one sign of a financially healthy company.

Credit history

Your company’s credit history is one of the most important factors in determining your loan eligibility. Normally, this means reviewing the payment history of your company, other companies related to it and key people involved. You can find more information about the personal data processing here.

Timely payments of existing and past loans held by your company with Swedbank is one of the key elements of the financial eligibility of both the company and related individuals.

The status of payment discipline at your company and its group members in respect to third parties helps us understand whether your company is a responsible partner.

Relationship with bank

Please let us know if you have recently changed the name of your company, its ownership or area of business. Make sure to complete and update your anti-money laundering (AML) questionnaire, as this is an essential part of loan applications.

A completed and up to date Customer data questionnaire is a prerequisite for applying for a loan from Swedbank.

A sustainable and long-term relationship with the bank creates beneficial conditions when applying for financing.

Blocked accounts can be a clear indication that a company is experiencing difficulties.

The longer your business has been operating, the more trustworthy it is for us.
Effective as of 01.11.2025
Application up to 1% of the loan amount, but no less than 200 € VAT will be added to the price.
Amendment of other terms and conditions of the agreement
approval of the amendment of the buyer and the buyer limit 65 € VAT will be added to the price.
buyer credit insurance limit inquiry by request of the customer 65 € VAT will be added to the price.
prolongation of the limit up to 1% of the loan amount, but no less than 200 € VAT will be added to the price.
increase of the limit up to 1% of the additional sum per year
amendment of other terms and conditions of the agreement no less than 65 € VAT will be added to the price.
Factoring report issuing (earlier than previous month) 10 € month VAT will be added to the price.

To find out which financing option would work best for your company, sign up for a consultation!

Choose the purpose of financing and find suitable loan.
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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.