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

1 000 000 000 +

7 700

734 837

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Put your invoices to work and get an open line of credit that continually adapts to your sales. The more you sell, the more you can borrow. No hidden fees or lock-ins.

* You only pay when using your credit
* No yearly fees
* To borrow with your accounts receivables as collateral you'll need to include Capcito's pledge text on your invoices
* A personal guarantee is required

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://capcito.monto.ai/auth/sign-up)to get started with Invoice discounting. Your offer is not binding.

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

Invoice discounting is the most flexible way to finance your business, using your invoices. Invoice discounting adapts to your current sales in real-time and you only pay when you actually borrow.

How does Invoice discounting work?

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?

Invoice discounting interest is individually calculated and lies between 0,8%-2,5% per 30 days. There are no additional fees and you only pay when you actually borrow. Easy, affordable and safe.

Let’s say you borrow 100.000 SEK with 1% interest:

* If you borrow for 5 days, your total cost would be 167 SEK
* If you borrow for 15 days, your total cost would be 500 SEK
* If you borrow for 30 days, your total cost would be 1000 SEK

How much does it cost?

You’ll find your own interest rate by signing in at [capcito.com.](/en/auth/sign-in)

Where can we see our interest rate?

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?

If your application is approved, the payout is instant, which means in your account the same day in most cases.

When do you pay out?

Invoice discounting doesn’t have a fixed loan period and as long as you’re sending invoices that we can use as securities, you can keep borrowing without having to amortize. Naturally, you can pay back the entire loan whenever you like at no extra cost. You’ll find all the details you need regarding repayments by signing in at [capcito.com.](/en/auth/sign-in)

How do I repay the loan?

Common questions about Invoice discounting

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

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

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

What's the difference between a normal overdraft credit and Invoice discounting?

The traditional overdraft credit is based on historic data, rather than real-time information. With Invoice discounting, your line of credit is updated each and every day, without having to renegotiate.

Furthermore, Invoice discounting comes without yearly fees and limits. It’s basically the best of two worlds.

Line of Credit for Businesses

What about the terms?

How do I get an offer?

Get connected with just a few taps

Common questions about Invoice discounting

Would you rather talk to someone?

Three ways of financing your business

Invoice discounting

Business Loan

Factoring

What's the difference between a normal overdraft credit and Invoice discounting?