This is a scenario that is all too familiar to Swedish small businesses. You’ve done the job and you’ve sent them the invoice, now wait. Thirty days. Sixty days. Sometimes ninety. It can be the gap between finishing a project and receiving payment that seizes up even a healthy business. fakturaköp comes in as a practical, quick and now increasingly used means of financing Swedish B2B companies, just when it’s needed most. 

The knowledge of how fakturaköp works, in addition to the most significant difference between fakturaköp med regress and fakturaköp utan regress, can truly transform the way you manage your company’s finances.

What is Fakturaköp and how does it work?

Fakturaköp is the term used for purchasing invoices. You don’t have to wait until your customer pays you, instead you sell that invoice to a finance company and you get the money almost immediately. A simple idea that is a strong one.

The process runs in a linear fashion. You provide a product or service to a customer, make a regular invoice, and sell the invoice to a finance company. The majority of the invoice value is paid upfront, usually between 85 to 95 per cent, depending on the risk and creditworthiness of the customer. The remainder is paid after the invoice has been paid by your customer, less the finance company’s fee.

The speed is what makes this very useful. So many Swedes have their financial companies whose invoices they process within a couple of hours of receiving. That quickness is huge for a small business that’s dealing with costs from suppliers or investing in new projects for the payroll department. You no longer lend money to your own customers, you control your own money.

Fakturaköp med Regress vs Utan Regress: What Is the Difference?

This is where most business entrepreneurs should focus. These options will mean that the credit risk should be borne by either one of you or both of you, depending on which you choose.

In a “regress”, you as the seller do not pass on the credit risk. Business that does not pay the invoice within a specified number of days after the due date must purchase the invoice back from the finance company. This can be a more cost-effective solution in general, as the finance company is on a lower risk side. It is effective when you have good and solid relationships with customers who will pay.

Fakturaköp utan regress is another thing altogether. In this case the finance company assumes the entire credit risk. If your customer is bankrupt or just doesn’t pay, it is not your responsibility. The finance company takes the loss and collects the debts. You retain the funds that you have already gotten.

The expenses for fakturaköp utan regress are a little bit more as the finance company accepts a significantly greater risk. For companies with new clients, businesses in high-risk industries, or those who just want to have peace of mind and security, it is an added value that is worthwhile. 

Swedish SMEs deciding to go with Fakturaköp in 2025 and 2026

There has been a considerable amount of change in the move towards invoice financing in recent years. In industries where payment periods are often long, such as staffing, transport, construction or consulting, Fakturaköp has emerged as a popular choice for many companies in Sweden over the past few years, especially as an alternative to traditional business loans, due to the uneven nature of cash flow in these industries.

This is because it is useful. The first step in growing fast is to operate using working capital, without a guarantee of cash flow. Applying for a traditional bank loan may be lengthy and require a lot of collateral. Fakturaköp, on the other hand, is directly connected with the invoices you have already created. Your customers’ credit is more important than your own company’s age or assets, which is a huge benefit for newer and growing companies.

This is also why companies registered at Finansinspektionen (the Swedish financial supervisory authority) have grown in importance within this field. When the finance company that handles a business’s customer relations is regulated, companies can feel confident that the entire transaction is conducted in a professional and fair manner.

Finansfabriken is a business finance concept that has been developed with a human-centred approach

A company that can be easily recognized in the Swedish market is Finansfabriken, a human-centred finance company that was created specifically for small Swedish businesses. For business loans, fakturaköp and debt collection services, Finansfabriken was founded at the end of 2024 and registered with Finansinspektionen in April 2025, and its philosophy is to work in a way that is different from most of the industry.

They fundamentally believe that it’s about people, not machines, and they say so. The company has over 150 years of experience in small and medium enterprise lending combined in the founding team, but has a strong entrepreneurial spirit. The opportunities are the risks others see. Where they close, they open when others close.

This outlook is particularly appealing to small business owners who have experienced treatment from traditional banks that felt they were ignored or by systems that relied solely on risk algorithms for approval. As evidenced by Finansfabriken’s customers’ reviews, speed of reply, understanding of their real business circumstances, and human interaction are all points that have been mentioned repeatedly.

The best case scenario: When Fakturaköp utan Regress is most appropriate

Let’s take a small consulting firm in Sweden, which just landed a new client in an industry they have no experience in. The invoice is important, about 200,000 SEK, paid within 60 days. The company’s bills for the two months must be paid to subcontractors and for the operating expenses.

With fakturaköp, the company has access to the bulk of this invoice value within hours. In the example of facturaköp utan regress, the business firm is saved if the new client has financial difficulties and is unable to pay. The finance company takes care of all collection matters and the loss. The company remains in business without the cloud of uncertainty looming over its operations.

Conclusion

Fakturaköp is no longer a tool for a few, but a mainstream financing means for B2B businesses in Sweden; and for a reason. It transforms great invoices into instant cash, eliminates administration and, if you’re having fakturaköp utan regress, eliminates credit risk altogether. The selection of the appropriate option should be based on your customer relationships, risk appetite, and the predictability you require in cash flow.

FAQ

What is the main difference between fakturaköp med regress and fakturaköp utan regress?

With regress, you as the seller keep the credit risk and must buy back the invoice if your customer doesn’t pay. Without regress, the finance company absorbs that risk entirely, giving you full protection in exchange for a slightly higher fee.

How quickly can I receive money through fakturaköp?

Many Swedish finance companies, including Finansfabriken, process invoices extremely quickly. In several cases, businesses receive payment within the same working day the invoice is submitted and approved.

Is fakturaköp suitable for newly started companies?

Yes, fakturaköp with regress is often accessible to newer companies since the approval depends more on your customer’s creditworthiness than your own company’s financial history. This makes it a practical option for businesses that haven’t yet built a long financial track record.