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Download Power of Attorney 1
Select the power of attorney template above if you need an external person to download documentation on behalf of your company. This includes balance sheets, invoice copies, or an account compilation.
Download Power of Attorney 2
Select the power of attorney template above for other matters or if you want an external person to assist you in administration about your loan with us.

How much does it cost to sell your invoices?

It is individual for each company. However, we have no fixed costs or commitment periods. In other words, you do not need to commit to an annual contract or similar.

Contact us at or call us on 020-150 111 to find out more.

Which companies buy invoices?

There are a number of finance companies that specialize in factoring, i.e. buying and selling invoices and invoice services. However, few have several products in their range, such as us at Qred. With us, you can get business loans and a free business card as well.

With Qred, you can easily sell the invoices you want to sell, with no volume requirements or commitment to long annual contracts - we have no lock-in period! 

How do you record the sale of your invoices?

This is about as easy as recording other short-term or long-term liabilities, but check with your accountant or financial manager to find out more. Alternatively, contact the Swedish Tax Agency for advice.

How does factoring work?

Factoring works as a financial service where your company works with Qred. In this arrangement, you sell your outstanding invoices to the factoring company instead of waiting for your customers to pay.

The factoring company pays you immediately for your invoices, giving your business quick and reliable liquidity.

This means you can use the released funds to cover immediate needs and investments without having to worry about long waiting times for payments from your customers.

Why use factoring?

Factoring is used to improve business liquidity and address cash flow challenges by providing quick access to money tied up in outstanding invoices, allowing companies to pay suppliers on time, cover running costs and invest in growth.

One advantage of factoring is that it eliminates the waiting time for customer payments. Instead of weeks or months of waiting, companies receive a large portion of the invoice amount within 24 to 48 hours, providing quick liquidity.

Factoring also reduces the risk of unpaid invoices and losses due to customer difficulties. The factoring company handles the collection process and takes on this responsibility.

What is a factoring fee?

A factoring fee is a fee charged to the company that sells its invoices. This fee covers the costs and services provided by the factoring company as part of the factoring agreement.

The factoring fee varies depending on factors such as the size of the company, the industry, the creditworthiness of the customer and the specific agreement.

How to account for factoring?

When the company sells its accounts receivable, the factoring company normally transfers ownership and also the risk that may be associated with these accounts receivable. As a result, the accounts receivable should normally be removed from our balance sheet.

Step 1: Sale of goods on credit 

You sell goods on credit for SEK 100,000 including VAT. To record this: 

  • Increase accounts receivable (account number 1510) by SEK 100,000. 
  • Increase sales revenue (account number 3010) by SEK 100,000.

Step 2: Sale of the receivable to the factoring company

You sell the accounts receivable to the factoring company for a factoring fee of 5% of the invoice amount. You receive 95% of the invoice amount from the factoring company, which is deposited in your checking account (SEK 95,000). Record this as follows: 

  • Increase the checking account (account number 19XX) by SEK 95,000. 
  • Increase factoring income (account number 39XX) by SEK 100,000 (you record the full amount of the sale and then deduct the factoring fee).

Step 3: Accounting for the factoring fee 

You need to account for the 5% factoring fee, which is equivalent to SEK 5,000. Record this as a cost: 

  • Increase the cost account (e.g. "Financial costs" or "Other operating costs") by 5,000. 
  • Reduce factoring income (account number 39XX) by SEK 5,000.

These accounts reflect the sale of accounts receivable, the factoring fee and the net profit you receive after the fee. Adjust the account numbers according to your company's system and carefully follow the accounting rules. If in doubt, consult an accountant or accounting expert.

What is invoice discounting?

Invoice lending, also known as invoice financing or factoring, is a useful tool for businesses that need to improve their liquidity and get quick access to capital.

In other words, invoice financing means that as a business owner, you take out a loan based on your customer invoices, which serve as collateral for the loan.

The lender uses the invoices as a basis for the loan. Typically, you can borrow up to a certain percentage of the invoice amount, usually around 70-80%. The remaining amount is paid out when your customers pay the invoice.

It is important to note that the invoices remain in your ownership and on your balance sheet, and the lender does not take over the risk of customers not paying their invoices.

What is the difference between invoice purchasing and invoice financing?

Invoice purchasing and invoice financing are two different methods of using your customer invoices as a source of funding for your business.

To summarize, with invoice purchasing you sell the invoices and transfer ownership and risk, while with invoice discounting you use the invoices as collateral for a loan and retain ownership and responsibility for collection.

The choice between the two depends on your company's needs and preferences in terms of customer relationship management and liquidity management.

What does it mean to sell an invoice?

Selling invoices, also known as invoice financing or invoice lending, means that a company transfers the ownership of its outstanding invoices to a third party, usually an invoicing company or a financial institution.

This third party buys the invoices at a discounted price and assumes responsibility for collecting payments from the company's customers.

How do I sell an invoice?

To sell an invoice, or use invoice factoring, you usually follow these steps: you can always contact us by phone at 020-150 111 or by email at

Fill in the form on the website to get a free quote offer or receive a phone call.

Get a quote within an hour and get started:

  1. Become our customer
  2. Select the invoices you want to sell easily via BankID
  3. Notification and payment within 24 hours

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