For suppliers
Get paid in 48 hours. Not in 60 days.
With Vender you get paid straight away on invoices your customer has already approved. The price is set on your customer's creditworthiness – not your own. No new debt, no recourse, money to your existing account.
- You get paid
- ≤ 48 hAfter your customer approves the invoice
- Typical fee
- ~2%Per 30 days – only on invoices you choose
- New debt
- NoneNon-recourse
- Assessed on
- CustomerYour customer's credit, not yours
The problem
You've already done the work. The money arrives in two months.
Average B2B payment time in the EU – up by more than five days in a year. Meanwhile you pay for wages, materials and fuel up front.
of EU businesses had problems because of late payments in 2023. One late invoice often causes several new delays further down the chain.
of businesses missed their growth targets because of late payments. Money that is earned but locked up can't be invested.
It's not that you manage your cash badly. It's that customers pay late. Vender solves that – through your customer.
Sources: EU Payment Observatory 2024 (2023 data); Intrum European Payment Report 2026.
Why Vender
You're assessed on your customer's creditworthiness. Not your own.
It's the same kind of financing as factoring – but your customer has set up the programme and stands behind the invoice. That's why you get a better price, and a yes where others say no.
Yes, more often
Traditional factoring often excludes smaller and newer companies because of their turnover or credit history. Here it's your customer's credit that counts.
No new debt
You take no loan and tie up no credit line. The financing is non-recourse.
You decide
You choose which invoices to have paid out early – automatically or one at a time. The money goes to your existing bank account.
No stigma
This is your customer's benefit to you – not an emergency fix you go looking for. Your relationship with your customer stays the same as today.
How it works
You invoice as usual. We take it from there.
No new systems and no new way of working. Once your customer has approved the invoice, you can choose to get paid straight away.
Your 60-day invoice – with and without Vender
Days after invoice- CustomerPurchase orderYour customer orders as usual.
- YouDeliveryYou deliver the goods or service.
- YouInvoiceYou invoice as usual, in your own system.
- CustomerApprovalYour customer approves the invoice.
Your customer's approval makes the invoice financeable – from then on you can choose to get paid straight away.
- YouChoose the invoiceAutomatically or manually – you decide which invoices.
- Vender & partner bankPaid within 48 hInto your existing account, minus a small fee.
- CustomerCustomer paysOn the due date. You don't need to do anything else.
Run the numbers on an invoice
Money in hand now – instead of in two months.
- You receive, within 48 h
- €9,600
- Fee (typically 2% per 30 days)
- €400
- New debt or recourse
- €0
- Without Vender: paid on day 60
- €10,000
Money in hand sooner
58 daysCash released straight away – for wages, materials and new orders.
The discount you often give today
~37%A 2% discount for payment within 10 days (2/10 net 30) equates to roughly 37% annualised interest.
What's required of you
NothingNo collateral, no credit line, no new bank account.
Illustrative, with a typical fee of 2% per 30 days. The actual price is set based on your customer's creditworthiness and the invoice tenor – and is always shown before you choose to get paid.
Compare
The market you already know. A better starting point.
Vender also works where traditional factoring is thin – Sweden has the lowest factoring use of the Nordic countries and Poland – and for invoices that are otherwise hard to finance, as long as your customer has approved them.
30–90 days
- You finance your customer with your own cash
- Often a discount for fast payment – ~37% annualised
- Overdraft or loan to cover the gap
Cost: hidden, but high
You sell your invoices
- Priced on your own credit
- Smaller and newer companies are often turned down
- Can signal cash problems to the outside world
Priced on: your credit
Paid in 48 hours, on your customer's credit.
- No new debt and no recourse
- You choose which invoices
- Your customer's benefit – no stigma
Priced on: your customer's credit
You pay for fuel, wages and vehicles up front – then wait on a fast-growing customer.
Paid straight away keeps the vans rolling.
You fund production yourself and wait 30–90 days for the wholesaler.
Paid straight away keeps production going.
Component makers, workshops and subcontractors with large material purchases before delivery.
Paid straight away lets you take the next order.
Trust & control
€0
in new debt. Non-recourse.
The capital comes from a regulated partner bank and the price is set on your customer's credit. You take no loan and provide no collateral.
| Party | Role | In short |
|---|---|---|
| You | Invoice as usual, choose which invoices are paid out early | No new debt · non-recourse |
| Your customer | Approves the invoice, pays on the due date | Same due date as today |
| Vender | Platform, integration, KYC and orchestration | Runs the programme |
| Partner bank | Provides the capital | Regulated bank |
- Approved invoices onlyOnly invoices your customer has approved can be financed – no uncertainty about the amount.
- Verified accounts onlyPayouts only go to your verified bank account.
- Compliance built inKYC plus sanctions and PEP screening. To be registered with Finansinspektionen, the Swedish FSA.
- Transparent pricingYou always see what it costs before you choose to get paid. No hidden fees.
Get started
Set up in minutes. Through your customer.
Vender is offered through the customers that have joined. If you've received an invitation you can get started right away – otherwise you can tell your customer about it.
Your customer invites you
Your customer joins Vender and invites you as a supplier.
Create an account
Verify your company and your bank account – it takes a few minutes.
Choose invoices
See your approved invoices and choose which ones to have paid out.
Paid within 48 h
The money arrives in your existing account. Done.
Automatic, if you like
Set all approved invoices to be paid out straight away.
Create your supplier account
- Follow the link in the invitation or create an account directly.
- No cost to join – you only pay when you choose to have an invoice paid out.
Tell your customer – we'll get in touch
- It costs your customer nothing and they keep their payment terms.
- Your customer gets stronger suppliers – and you get paid straight away.
Frequently asked questions
What suppliers usually ask.
What does it cost?
A fee on the invoices you choose to have paid out – typically around 2% per 30 days, so about 4% on an invoice with 60-day payment terms. The price is set based on your customer's creditworthiness and the invoice tenor, and you always see exactly what it costs before you choose. It costs nothing to join.
Is it a loan? Does it affect my credit rating?
No. You take no loan and tie up no credit line. The invoice is assigned without recourse, which means you are not liable if your customer doesn't pay.
Will my customer notice? Does it affect the relationship?
Your customer is the one offering the programme, so it's a benefit – not a sign of cash problems. Your customer pays on the same due date as usual.
Do I have to finance every invoice?
No. You choose – invoice by invoice, or automatically for all approved invoices. You can stop at any time.
Do I need to change bank or business system?
No. You invoice as usual in your own system and the money is paid into your existing bank account.
Why can I get a yes when factoring companies say no?
Traditional factoring assesses your own turnover and credit history. Here it's your customer's creditworthiness that is assessed, and the invoice has already been approved by your customer. That means even smaller and newer companies can get good terms.
Next step
48 h
from approved invoice to money in your account
What would it mean for your business to get paid in days instead of months?
Vender Finance AB · venderfinance.com
How to get started
Invitation from your customer
Step 1Or tell us about your customer and we'll get in touch.
Create an account
Step 2Verify your company and bank account in minutes.
Get paid
Step 3Choose invoices and get the money within 48 hours.