Capcito was founded in 2015 and has already helped thousands of business owners get access to fair financing.

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factoring

Sell your invoices and get paid today. Turn outstanding invoices into cash that can be used here and now. No more waiting to get paid, no more awkward reminders.

Rather than having to wait for up to 90 days to get paid, selling your invoices to Capcito means instant access to cash that can be used in your business right away. Fast, easy and flexible!

Get a free offer by answering a couple of quick questions about your company. If you connect your business system, you can get an even better offer.

Price and loan amount in minutes

Your loan amount adapts to your sales in real-time. During dips you can easily top up your credit at the same low rate.

Fair and easy-to-understand pricing

When an application is approved, we pay out right away. In most cases, that means money in your account as soon as the same day.

Up and running within 24 hours

Your loan amount is based on your invoices and is automatically updated each and every day. This way, you'll always have the best possible offer.

 The best offer, every day

How it works

* When you sell an invoice, Capcito buys it in its entirety and then gets paid by your customer/client.
* The price is fixed and there are no other fees or costs.
* To sell an invoice, a natural person needs to guarantee that it’s fully valid.
* Invoices towards customers perceived as higher risk might include recourse, meaning you have to buy back the invoice if your customer doesn’t pay.

When you sell invoices to Capcito, you only pay a fixed fee per invoice, which is individual and between 1-3.5% per invoice. No fees or additional costs are ever added. To get your own personal offer, simply identify your business using BankID or registration number. The offer is not binding and does not affect your credit score.

When an invoice is sold, your company will receive the full invoice amount minus a small fee. It’s important to note that VAT is added on the fee.

For example, let’s say your business sells an invoice amounting to 100.000 SEK (including VAT) at a fee 2%:

* We will deduct a fee of 2.000 SEK plus VAT.
* We will pay out 97.500 SEK to your company right away.

What does it cost?

Getting your personalized offer takes a minute. Simply answer a few quick questions about your business and let us analyze your sales. We’ll then get back with a great offer, regardless of whether you need cash today or a line of credit for the future.

Click [here ](https://www.capcito.com/en/get-started/now)to get started. Your offer is not binding.

How do we get an offer?

For us to be able to approve, and buy, your invoices:

* The delivery or billed work needs to be completed.
* The recipient of the invoice needs to be creditworthy.
* The invoice cannot be paid, overdue, or more than 10 days old.
* The invoice cannot be sent out previously.
* There has to be a personal guarantor that guarantees that the invoices are valid.

What makes an invoice eligible for selling?

No, you can easily choose which invoices to sell, even if it’s just the one.

Do we have to sell all of our invoices to Capcito?

There are many advantages with connecting your business software to Capcito, but one of the most popular reasons is the automatic accounting, meaning small business owners can avoid hassle and save time. By signing in to your account, you can easily activate automatic accounting with the system of your choice. You’ll find both options under “Settings”.

How does the accounting work?

We always do our best to get back to you within 24 hours. If your application is approved, the payout is instant (i.e. in your account the same day, in most cases).

How long does it take to hear back from you?

We'll get back to you as soon as possible.

Thank you

Our team of experts are ready to help find the best financing solution for your business.

* Speak to one of our advisors
* Get a free offer based on your needs
* Our offers are non-binding

Put your invoices to work and get an open credit line that continually adapts to your sales. Borrow now and then or all the time, you only pay for what you use.

* Open line of credit
* Combine with business loan
* Minimal administration
* No hidden fees

Sell one or more invoices and get paid up to 99% of their value right away. Avoid the hassle of waiting to get paid and sending reminders whilst minimizing your credit risk.

* Get paid right away
* We take over sendouts and reminders
* Sell one or several invoices
* No hidden fees

Our business loans come without hidden fees and confusing terms. You decide how much and for how long and we'll take care of the rest.

* Get paid right away
* Pay us back whenever you want
* Personal guarantee
* No hidden fees

Factoring

Why sell invoices to Capcito?

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What about the terms?

Common questions about Factoring

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Three ways of financing your business

Invoice discounting

Factoring

Business Loan