1. Business financing
  2. Business Line of Credit

Invoice discounting

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.

Our offers are free and non-binding
What does it cost?
100 000 kr
15 days
450 kr
Total cost

Above is an example with interest rate of 0,9% per 30 days. The actual cost will be based on your company. There are no additional fees and you only pay when you actually borrow. As long as you secure the loan amount with invoices, there’s no requirements of amortization. Easy, affordable and safe.

What about the terms?

  • 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

How do I get an offer?

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 to get started with Invoice discounting. Your offer is not binding.

How it works

Get connected with just a few taps

01
Price and loan amount in minutes

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.

02
Fair and easy-to-understand pricing

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

03
Up and running within 24 hours

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.

04
The best offer, every day

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.

Common questions about Invoice discounting

How does Invoice discounting work?
How does the accounting work?
How much does it cost?
Where can we see our interest rate?
How long does it take to hear back from you?
When do you pay out?
How do I repay the loan?

Would you rather talk to someone?

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

Three ways of financing your business

Flex
Most popular

Invoice discounting

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
Business Loan

Business Loan

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

Factoring

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.

Looking for a specific type of financing?

Business line of credit for limited companiesBusiness line of credit for trading companiesBusiness line of credit for individual companies
Business line of credit without UC
Flexible business line of credit