Invoice credit -  Leverage your invoices

Choose which invoices you want to use. Our invoice portal is easy to use and understand.

Invoice financing for small and medium-sized enterprises

Choose which invoices you and your company want to borrow against. No requirements on volume or commitment periods. Just as it should work! 

Your new factoring partner

Credit the invoice with 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!
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020-150 111

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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.

Invoice credit financing made easier

Invoice credit is a good option for businesses that need extra funding. It is a solution that provides businesses with additional funding and access to capital that would otherwise not be available to expand their business.

How does invoice credit work?

Invoice factoring is a term that includes both selling and borrowing against invoices. An alternative to selling an invoice is borrowing against it. But what is invoice factoring, what are the benefits and what are the costs?

In this guide, we go through everything worth knowing about invoice financing - stay tuned!

  • Access your money quickly instead of having it tied up in customer invoices.
  • Save time and administrative work by letting us take care of reminders and claims.

Use invoice credit to get paid quickly

Do you usually invoice your customers with a credit period of 30 days or more? If so, you might want to consider putting your invoices on credit instead to get paid faster. It's easy to do, and you can choose whether you want to use just one invoice for leverage or several invoices at once. Plus, you get paid very quickly - often a large part of the invoice amount is paid to you more or less immediately!

Invoice financing usually allows you to borrow up to 80-90% of the invoice amount. The exact amount may vary depending on the invoice credit company and their assessment of the quality of the invoice and their ability to pay.

By using invoice financing, you can get paid quickly and avoid long waits for payments from your customers. This effectively improves your company's cash flow and liquidity. This without having to shorten the credit period you provide to your customers. You can invoice with the same credit period as usual, mortgage your invoice and get paid within 24 hours!

Another advantage of using your invoice for credit is that you do not have to provide any other security. Instead, it is your customer invoices that provide the security and thus the guarantee for the mortgage.

In addition, you can get help with all the administrative aspects of invoice management, such as sending reminders if necessary. What this means is that you can focus on your core business and profitability and your factoring company will take care of the money!

Benefits of invoice credit

The main advantages of invoice credit are that:

You retain control over your customer relationships. Unlike selling an invoice, invoice discounting is a type of factoring where you can follow your usual procedures. You simply invoice your customers as usual. The only difference is that you place an assignment text on the invoices. The advantage of this is that you can keep control of your customer relationships instead of giving them up to the factoring company.

Invoice financing can be used in combination with business loans. One does not necessarily exclude the other - you can use invoice discounting in combination with regular business loans. This is beneficial if your business needs some extra funding. You can choose to borrow against your invoices while also applying for a regular secured or unsecured loan.

The threshold is lower than for unsecured loans. Smaller companies in particular can often find it difficult to obtain unsecured loans. In addition, these companies may find it difficult to provide collateral for business loans as such assets are usually lacking. However, with security in the form of an invoice, borrowing is available to the vast majority of businesses. The important thing is that the customers you invoice have a high credit rating and ability to pay.

How much can I borrow through invoice credit?

Invoice credit is a popular financing method for companies that need quick access to capital. By borrowing against their invoices, companies can obtain immediate liquidity to finance their operations. But how much can you actually borrow through invoice factoring?

The answer to this question depends on several factors. There is no fixed answer as it depends on your company's specific situation and the invoice discounting provider you choose to work with.

In general, you can expect to borrow up to 80-90% of the invoice amount. This means that if you have an invoice of SEK 100 000, you can expect to borrow up to SEK 80 000-90 000. The remaining amount represents the invoice finance fee that the invoice finance provider charges for providing the finance.

It is also common for invoice credit providers to take into account your business history, credit rating and industry. The more established your business is and the better your credit rating, the more likely you are to be able to borrow a higher percentage of the invoice amount. It is therefore important to have a stable financial history and good payment practices to increase your chances of obtaining invoice financing.

How should I record an invoice credit?

When accounting invoice factoring, you can use either account 1512 Factoring or 1510 Accounts receivable. If you are unsure about how to record an invoice that is borrowed, please contact an accountant.

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