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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.

 

Effective as of 01.05.2013
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.
Balance confirmation 10 € 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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SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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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.