About Vender Finance

Buyer credit.
Supplier liquidity.

Vender is a reverse factoring platform built on a simple idea: when buyers are creditworthy, their suppliers shouldn't have to wait 90 days to be paid. We connect the two sides — transparently, cross-border, and at scale.

The problem

Long payment terms were never the supplier's problem to solve.

Suppliers are routinely forced to wait 60, 90, even 120 days for payment on goods already delivered. This locks up working capital, limits growth, and concentrates risk in the weakest part of the supply chain.

Traditional factoring puts the burden on the supplier. Vender inverts this. The buyer's credit rating funds early payment. Suppliers get paid in days. Buyers gain a stronger, more reliable supply chain.

→No supplier credit check — buyer credit drives pricing
→Bank-backed funding from regulated Swedish institutions
→Instant payout, in the account within 48 hours
→ERP-native: integrates with Fortnox, SAP, and more

How it works

From invoice approval to early payment in four steps.

The buyer controls the programme. Suppliers opt in and request early payment on any approved invoice.

01
Buyer connects their ERP
Approved invoices flow into Vender automatically. The buyer sets the programme terms: discount rate, eligible suppliers, payment window.
02
Supplier requests early payment
Suppliers see approved invoices in their portal and can request early payment on any — or all — of them.
03
Buyer commits — Vender disburses
Once the buyer commits, Vender's funding partner disburses the invoice amount (less the agreed discount) within 48 hours.
04
Buyer pays on original terms
The buyer pays Vender on the original due date. No change to existing payment terms.

Ready to offer early payment to your suppliers?

Start a pilot →Talk to the team