Invoitix

What Invoitix does

Invoitix AG is a Swiss-domiciled factoring company founded in 2018 that provides invoice financing exclusively to the European road transport and logistics industry. Its core offering pays transport companies 100% of the invoice amount minus a transaction-based fee within 48 hours, absorbing credit risk on the buyer and providing access to a proprietary 25,000+ customer credit database used for 24/7 risk checks before carriers accept loads. The product suite comprises three lines: Factoring for Transporters, Factoring for Freight Forwarders, and Supplier Factoring (added in 2025), all operated on the company's in-house invoitix+ cloud platform (a 2025 rebrand of the prior Data Entry App) that supports qualified e-signatures, multi-currency invoicing in PLN, RON, BGN, and CZK, and e-invoicing compliance in Spain and Poland.

The company operates from headquarters in Baden, Switzerland with country offices in Spain, Serbia, Poland, Czech Republic, Romania, and Bulgaria, serving customers in more than 30 European countries through a hybrid direct-sales-and-self-serve model. Revenue is generated via transaction-based factoring fees scaled to monthly volume, with higher cooperation volume producing lower fees; pricing is quote-based rather than publicly listed. The go-to-market emphasizes local-language sales representatives, WhatsApp/Viber/phone outreach, and channel partnerships with freight exchanges (123Cargo-Bursa, Cargopedia, Truckspedia, Speditor, Transconnector), industry media outlets (Česmad Czechia, Traffic media, Ziua Cargo, Pluton Media, Bulgarian Transport Press, mercatrans.com), and a multi-language localized website.

Invoitix is privately held and led by CEO Milko Jovanoski, with founder Urs van Stiphout serving on the board alongside Chairman Sandro Dorigo (co-founder of Leonteq). Ownership commentary indicates no institutional investor or parent company. The company holds an ISO 9001:2015 quality management certification, operates under GDPR, and has obtained sector-specific regulatory approvals (notably Romania in 2023, with full e-invoicing compliance in Spain and Poland in 2026), positioning it as a regulated cross-border factoring specialist rather than an opportunistic SMB lender.

Name

Invoitix

Legal name

invoitix ag

Website

https://invoitix.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

Invoitix AG is a Swiss-based factoring company that provides 48-hour invoice financing to small and medium-sized road transport and logistics businesses across more than 30 European countries, supported by a proprietary 25,000+ customer credit database and the invoitix+ cloud platform.

Ownership category

akta.pro rank

Product category

Transportation Invoice Factoring

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

akta.pro secondary industry

E-Invoicing & Invoice Presentment (B2B/B2G) (FSAMAJAF)

Keywords

• Invoice factoring
• Transport factoring
• Freight factoring
• Supply chain finance
• Invoice financing

Headquarters

HQ city

Baden

HQ country

Switzerland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Invoice Factoring Fees: Invoitix pays 100% of the invoice amount minus their commission/fee. The company charges a fee for providing immediate payment to transport companies, covering credit risk and processing. Terms are based on monthly volume with higher cooperation volume leading to lower fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Invoitix purchases invoices from European road transport companies (carriers, freight forwarders, and loaders/manufacturers) and pays them 100% of the invoice value minus a transaction fee within 48 hours, while assuming the credit risk on the underlying debtor. The service is delivered through the proprietary invoitix+ cloud platform, supported by a proprietary database of 25,000+ European transport customers for debtor credit assessment.

Product overview

Invoitix is a Swiss-based fintech company providing a suite of invoice financing (factoring) services exclusively for the European road transport and logistics industry. The core offering consists of three factoring products — Factoring for Transporters, Factoring for Freight Forwarders, and Suppliers Factoring — all built on the company's proprietary invoitix+ cloud platform (successor to the Data Entry App). The invoitix+ platform integrates a cloud-based invoice management application with a proprietary customer credit database covering over 25,000 businesses, enabling clients to submit invoices and receive payment within 48 hours. The company operates across 30+ European countries from offices in Switzerland, Spain, Serbia, Poland, Czech Republic, Romania, and Bulgaria.

Differentiator

Problem solved

Functional benefit

Brands

• invoitix+: Digital platform rebranded from the former Data Entry App (DEA), providing invoice financing and factoring services for transport companies. The platform enables users to submit invoices, track payments, and manage factoring services.

Products and services

• Factoring for Transporters Invoice-financing service for European road transport carriers that pays them 100% of the invoice amount minus a fee within 48 hours, covering the credit risk of the debtor and providing 24/7 access to credit information on 25,000+ customers.
• Factoring for Freight Forwarders Invoice-financing product tailored for freight forwarders and dispatching agencies that coordinate transport through subcontracted carriers, enabling immediate payment to subcontractors and providing access to the invoitix customer credit database for risk monitoring.
• Suppliers Factoring Service for freight forwarders, loaders, and manufacturing companies that allows them to pay their transport suppliers within 48 hours without compromising their own liquidity, consolidating payments to a single recipient.
• invoitix+ platform Cloud-based, mobile-responsive application for managing invoices, designed and developed in-house, with high-security systems, qualified e-signature capability, and e-invoicing compliance for Spain and Poland.

Quantifiable outcome

• Get paid for invoices within 48 hours (vs standard 30-60-90 days)
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Twelve partnerships are on record, tiered minor.

• 123Cargo-BursaminorGTM or Marketing PartnerTransport freight exchange and platform partnership for market reach and customer acquisition in the European transport industry.
• CargopediaminorGTM or Marketing PartnerTransport platform partnership for customer referrals and visibility in the logistics community.
• TruckspediaminorGTM or Marketing PartnerPartnership with truck and load exchange platform for lead generation and customer acquisition.
• SpeditorminorGTM or Marketing PartnerSpeditor platform partnership for transport industry customer referrals.
• TransconnectorminorGTM or Marketing PartnerTransport load exchange partnership for customer acquisition.
• PUMEDminorGTM or Marketing PartnerTransport services company partnership for industry collaboration.
• Česmad CzechiaminorGTM or Marketing PartnerCzech road transport association partnership for industry representation and networking.
• Traffic mediaminorGTM or Marketing PartnerRomanian transport media partnership for visibility and customer acquisition.
• Ziua CargominorGTM or Marketing PartnerRomanian transport news and media partnership for industry visibility.
• Pluton MediaminorGTM or Marketing PartnerLogistics and transport media partnership.
• Bulgarian Transport PressminorGTM or Marketing PartnerBulgarian transport industry press partnership for visibility and brand awareness.
• mercatrans.comminorGTM or Marketing PartnerTransport services platform partnership for customer referrals.

Scale indicators4 records

Recent moves14 records

Expansion highlights6 records

Emerging players

• Iwoca: UK and European SMB lending fintech providing working-capital facilities, including against receivables. Comparable as a digital SMB working-capital lender in Europe.
• Billie: Berlin fintech offering B2B Buy Now Pay Later and invoice financing to SMBs. Adjacent product set with overlapping SMB customer base in European B2B payments.
• Younited Credit: European consumer and SMB credit platform offering installment loans and credit lines. Comparable as a pan-European digital lender expanding into SMB working capital.

Broad incumbents

• Allianz Trade (formerly Euler Hermes): World's largest trade credit insurer, also offering factoring through Allianz Trade's factoring arm. Broader, incumbent player in trade receivables financing including transport exposure.

Others

• Lowell: Pan-European debt purchaser and collections provider. Adjacent rather than directly competitive, but indicative of the broader receivables-management value chain in which Invoitix operates its debt-collection capability.

Direct peers

• Treyd: Swedish fintech offering invoice financing to SMBs via a self-serve platform. Directly comparable as a digitally-native invoice-financing competitor targeting small businesses across Europe.
• Coface: French-listed trade credit insurer and factoring operator with a dedicated transport/logistics book. Directly comparable as a factoring provider serving carrier and freight-forwarder receivables across Europe.
• FORFAITI: Polish factoring platform with a strong focus on transport and logistics SMEs. Direct head-to-head for the Polish transport-factoring niche that Invoitix serves.
• Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned European B2B invoice and payment-solutions provider offering factoring, installment, and debt collection for SMBs across multiple verticals. Overlaps directly with Invoitix in SMB receivables financing and pan-European presence.
• factor.ing: Berlin-based digital factoring platform providing SMB invoice financing with API integrations. Closely comparable on technology-led SMB factoring in Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZP1Y1a36DRaFmm48WI2V2g/videos
• Facebookfacebook.com/invoitixAG
• LinkedInch.linkedin.com/company/invoitix
• Instagraminstagram.com/invoitix_ch

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Invoitix