Supply chain finance
Suppliers get paid now.
Buyers get a discount.
Approved invoices, paid instantly.
- Instant
- Payout on approval · in the account ≤ 48h
- 1.5%
- Buyer discount, up to
- €0
- Buyer capital tied up
Your supplier’s cash problem becomes your problem.
€270m
Volvo Cars’ loss when supplier Northvolt went bankrupt.
14 plants
Chrysler plants stopped overnight when a supplier ran dry.
1 in 4
European bankruptcies trace back to late payment.
Vender breaks the chain. The bank pays your supplier the moment you approve. You pay on the due date, as usual.
Your process stays.
Vender starts at approval.
Fortnox · Live — Spiris · In development — SAP, Dynamics 365, Visma Net, PE Accounting, Björn Lundén · Planned
- 01Day 0
You approve the invoice.
- 02Instant · lands ≤ 48h
The bank pays your supplier.
- 03Day 30–90
You pay on the due date. Minus your discount.
For buyers
Stronger suppliers.
Lower purchase costs.
- Up to 1.5% off every financed invoice
- No capital, no credit facility
- First in line when supply is short
For suppliers
Get paid in 48 hours.
Not in 60 days.
- Priced on your customer’s credit
- No new debt, no recourse
- You choose which invoices
The best buyers get served first.
12×
More likely to be a supplier’s customer of choice
25%
Lower production costs from supplier partnerships
$3.9bn
Apple’s bet on supplier capacity
−40.7%
Stock return in the 3 years after a disruption
Safe by design.
A regulated partner bank pays your supplier. Vender never holds the money.
- Only invoices you approve are financed.
- Money goes straight from the bank to your supplier.
- Paid only to your supplier’s verified account.
- Disputed invoices never enter the flow.
Platform
Plugs into the ERP you already run.
See the platform →
Live
In development
Planned
Planned