Sell invoices and get paid within 24 hours with invoice purchasing.

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

Choose which invoices you wish to finance

Full freedom to choose which invoices you want to sell and which you want to spend on service. Our invoicing portal is both easy to use and to understand. You get a clear overview of all invoices.

Sell your invoices

Transfer the invoice to us and you will have the money within 24 hours.

Invoice service

If you are not in need of the capital right now, you can always choose to put your invoices on service where we handle mailings, reminder management and the way to debt collection if necessary.


  • 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

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
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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?

Sellingyour invoices, invoice buying, invoice borrowing...

Factoring means that you can borrow money against the security you have in your customer invoices. Invoice purchasing is a good way to get cash, for example when you can't get a loan from the bank or when you are expanding and need to temporarily boost your liquidity.

How much does it cost to sell your invoices?

Typically, invoice discounting allows you to borrow between 70-80% of the invoice amount while invoice purchase offers you 100% of the invoice amount minus the fee. The fee is often between 1.5 - 3% of the invoice amount. The interest rate is based on the loan-to-value ratio and invoice risk.

Things that negatively affect interest rates are

  • If your company has payment remarks
  • If your company has made a loss
  • If your company has changed representatives in recent years

Things that have a positive impact on interest rates are

  • Higher monthly volume
  • Creditworthy beneficiaries
  • Solid history

We have no volume requirements, but we can often find cheaper solutions for larger volumes.

Contact us directly for a same-day response!

We will process your application quickly and you will receive a response the same day.

Good, huh? 

Alternatives to selling your invoices

Two alternatives to selling your invoices can be business loans for larger investments, line of credit for cash flow or a company card for the more everyday expenses.

Reverse factoring

Like regular factoring but in reverse?

Normally, a company can sell its invoices to a finance company that pays the money directly. In reverse factoring, supplier financing or reverse factoring, the debtor is the initiator - not the supplier (the one selling the invoice).

Why do you want reverse factoring?

In most cases, the debtor wants longer payment terms.

How reverse charge services work

It starts with the debtor contacting the factoring company or finance company to see if they can get the invoice debts to their suppliers financed. The factoring company then makes a credit assessment of the debtor. An approval for reverse factoring, supplier financing or reverse factoring is only given if the debtor has a very good payment capacity and creditworthiness. This is because most factoring companies and finance companies, but also banks, guarantee non-recourse factoring for all invoices they purchase.

If an agreement is reached, the company receives a credit up to a certain amount. The agreement must be signed between the company receiving the credit, the supplier and the factoring company.

As a company, you get a kind of revolving credit similar to an overdraft facility. This is usually a cheaper financing solution, but it is relatively difficult and unusual to resolve. The positive aspect of reverse factoring is that the supplier will always be paid by the factoring company and this therefore reduces the risk of the arrangement.

Challenges and laws

There are often problems, especially in the construction industry, around payment times. Many large companies have long payment terms that put smaller subcontractors at a disadvantage as they have to spend a lot of money on staff, materials, vehicles, machinery, etc.

As of March 1, 2022, companies with more than 249 employees will be required to report their payment terms to their subcontractors.

Companies are obliged to provide this information:

  • The average contractual payment period
  • The average actual payment period
  • The proportion of invoices paid after the end of the agreed payment period

Payment times must be reported separately for subcontractors as well:

  • 0-9 employees
  • 10-49 employees
  • 50-249 employees

If your company uses reverse factoring, you have to report these data separately. This means that you have to report nine additional data if you use reverse factoring for all three size categories of companies.

Questions and answers on selling invoices

  1. How is confidential information and data protection handled in the process of invoice purchase and invoice service?

    When it comes to handling confidential information and data protection in the process of invoice purchase and invoice service, it is standard practice for all financial companies and banks, including Qred, to follow strict rules and regulations for data protection and privacy. These rules are designed to protect both the company's and its customers' information. These measures include encryption of digital information, secure login, and access controls to ensure that only authorized personnel have access to sensitive information.
  2. Are there any long-term consequences or disadvantages for a company's creditworthiness when using an invoice purchase or invoice service?
    Regarding the long-term consequences or disadvantages for a company's creditworthiness when using an invoice purchase or invoice service, it is usually the case that the use of these services does not directly affect a company's creditworthiness negatively. Instead, they can help companies to improve their liquidity and thus potentially strengthen their financial position. However, it is important for firms to manage their financial commitments wisely to avoid over-indebtedness.
  3. What criteria does Qred use to assess the creditworthiness of an invoice or a company?

    The criteria that Qred uses to assess the creditworthiness of an invoice or a company may include analysis of the company's financial history, payment defaults, loss history, and possible changes in company management. In addition, the size of the invoice, the age of the receivable and the creditworthiness of the final customer can also play a role in the assessment.
  4. How does the use of reverse factoring affect the relationship between the company, its suppliers and the factoring company?
    The use of reverse factoring can affect the relationship between the company, its suppliers and the factoring company by creating a more stable financial environment for the suppliers, who are guaranteed payment for their invoices. This can lead to stronger and more trusting business relationships. However, it is important that all parties are clear about the terms and conditions to avoid misunderstandings.
  5. What are the specific steps and documentation required for invoice purchasing or invoice servicing with Qred?
    In order to initiate a process for invoice purchasing or invoice servicing with Qred, a company would typically need to go through an application process that includes the submission of company and financial information, such as organization number, other documentation, and information about the invoices desired to be financed. Details of the steps and specific documentation may vary depending on the service and require direct contact with Qred to get the most up-to-date and relevant instructions.
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