Factoring - get paid the same day

Select which invoices you want to sell. Our invoice portal is both easy to use and understand.

Factoring for small and medium-sized enterprises

Choose which invoices you and your company want to finance. No volume or commitment requirements. Just the way it should work! 

Your new factoring partner

Transfer the invoice to us and get the money in your account within 24 hours.

Invoice service

If you don't want to finance your invoices right now, you can always use our popular service where we take care of reminders, debt collection and administration.


  • Qred factoring is the most transparent and innovative financial company I have come across. Fast payouts and first-class service - 7 days a week!
    CFO - Byggnationer
  • Has previously been involved in finance companies with long contracts and complicated terms. At Qred factoring we have always received a very good and open personal service. We are very pleased with the choice of financial officers!
    CEO - Media Agency
  • Qred factoring has really been there for us in the wet and dry - when it comes down to it, it's extremely important to get capital off and they always act quickly and professionally. For us, Qred factoring is the obvious choice!
    CEO - Demolition Industry

Integrates directly with your accounting

Retrieving, sending & accounting

About Qred

Our History

Founded in 2015 by entrepreneurs for entrepreneurs, Qred Bank is now Sweden's fastest growing fintech company, according to the Financial Times. Qred has delivered profitable growth from the start and is the market leader in the Nordics with Sweden's most satisfied customers, according to Trustpilot.

With operations in Sweden, Finland, Denmark, the Netherlands, Belgium, Norway, Germany and Brazil, Qred has issued hundreds of thousands of loans to small businesses. A fully automated and proprietary credit scoring system enables Qred to quickly and competitively provide business owners with the support they need to grow.

Man holding a large Qred VISA

Contact us!

Get in touch and let us know how we can help you and your business!
08:00 - 17:00 (Mon-Fri)
020-150 111

Estimated waiting time:
Less than 1 minute

Estimated response time:
Less than 24 hours
Chat with us!

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Qred in the media
Read news about Qred in our press room.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

We are proud members of the Swedish FinTech Association.

Do you have any questions?

Here we have collected some of the most frequently asked questions about factoring. If you can't find what you're looking for, you can always click through to our FAQ section.

How do I sell an invoice?
What does it mean to sell an invoice?
What is the difference between invoice purchasing and invoice financing?

Factoring made easier

Factoring is a comprehensive financial service that Qred Bank AB offers to companies and is also called invoice purchasing. We specialize in being your trusted factoring company and help you improve your cash flow. As a leading bank in factoring, we use accounts receivable as collateral to give businesses quick access to financing.

With our factoring services, you can get paid for your invoices immediately, instead of having to wait for long payment periods, and can increase your liquidity immediately. We take over the management of receivables and provide you with cash to run and develop your business. By working with us, you can improve your cash flow and reduce the risk of unpaid invoices.

We deliver customized factoring solutions to suit your unique needs. Our goal is to make factoring simple and easy for you, while ensuring a professional and reliable service. With Qred Bank AB as your factoring company, you will be able to focus on growing your business while we take care of your invoice-related challenges.

What is factoring?

Factoring is a financial service where a company sells its invoices to an external party, usually a factoring company. By selling the invoices, the company immediately receives part of the payment instead of having to wait for customers to pay. Finance companies then take over responsibility for collecting the payments from customers.

What are the benefits of factoring?

How does factoring work?

We understand the importance of strengthening business liquidity and providing quick access to working capital. Through our simplified factoring offer, companies can easily and smoothly get paid for their invoices on the same day.

This is how it works at Qred Bank AB: First of all, we offer a fast and smooth application process. When you apply for factoring with us, we assess your accounts receivable and offer you financing based on their value. Instead of having to wait for payment from your customers, you can sell your invoices to us and receive immediate payment.

We take over the management of your invoices and ensure that payments are received on time. By using our online portal, you can easily monitor invoices and gain insight into the payment flow. This gives you a clear overview and control over your invoices and liquidity.

Factoring with recourse

Recourse factoring is a specific type of factoring where we have the right to recourse, i.e. demand payment from the company if the customer does not pay the invoice on time. This means that the company can recover the invoices sold to the factoring company if the customer does not pay. Factoring with recourse is common in certain industries where there may be a higher risk of unpaid invoices.

Non-recourse factoring

Non-recourse factoring means that you do not have the right to demand payment from the company if the customer does not pay the invoice on time. This type of factoring is more common in industries where the risk of unpaid invoices is lower.

Advantages of invoice credit or factoring

  • Rapid liquidity: Invoice factoring allows businesses to access cash immediately instead of having to wait for customers to pay their invoices. This allows the company to manage its short-term financial needs and continue to grow.
  • Reduced credit risk: When companies sell or mortgage their invoices to a factoring company, the responsibility for collecting payments from customers is transferred to the factoring company, reducing risk. This reduces the risk of unpaid invoices and gives the company better credit control over its customers.
  • Increased liquidity: Invoice factoring gives the company immediate access to a portion of the payment on the invoices. This increases the company's liquidity and allows them to invest in growth or manage their running costs.
  • Improved cash flow: For businesses with customers who have long payment terms, invoice factoring can be a good way to free up cash.

Factoring with Qred Bank AB is particularly beneficial for companies with customers who have long payment terms. Instead of having to wait several weeks or even months for payment, you can get immediate access to money and ongoing liquidity to drive your business forward.

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