Finqr

Name

Finqr

Legal name

FINQR AB

Website

https://finqr.se

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Accounts Receivable Automation Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

akta.pro secondary industry

Dispute, Chargeback & Refund Automation (FSAGABAI)

Keywords

• Invoice automation
• Accounts receivable management
• E-invoicing platform
• Debt collection software
• ERP integration

Headquarters

HQ city

Malmö

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Per-Invoice Transaction Fee: FINQR charges a fixed price per invoice processed through the platform. This covers invoice distribution, reminders, collection handling, and automatic bookkeeping. The exact per-invoice price is not publicly disclosed on the website.
2. Message/Marketing Services on Invoices: Additional service for customizing invoice templates with brand messaging, including consultation, message creation, design, and proof review. Starting fee of 795 SEK per message plus a per-invoice charge for sending.
3. Factoring / Invoice Financing: FINQR offers invoice financing (factoring) allowing customers to sell their invoices to improve cash flow. This is part of the broader platform offering alongside invoicing and collection.
4. Partner Kickback Model: FINQR offers a kickback model for accounting firm partners where they earn commissions based on the volume of invoices processed for their clients through the platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

FINQR is a cloud-based, API-first invoice and debt collection management platform that syncs with customers' existing ERP and accounting systems. The platform automates invoice distribution across email, letter, e-invoice, and SMS, sends automated reminders, escalates to collection (inkasso), and posts accounting entries back to the customer's system. It also provides a built-in e-invoice switch, factoring, and a self-service portal for invoice recipients.

Product overview

FINQR is a unified SaaS platform offering automated invoice management and debt collection services for businesses in Sweden. The core offering consists of FINQR Fakturaservice for invoice distribution and management, integrated with an Inkasso module for debt collection and payment recovery. The platform syncs with most business and accounting systems and supports multiple distribution channels including email, post, SMS, and e-invoice. Add-on services include factoring/factoring purchase for liquidity improvement, relationship-building messaging in invoices, and specialized member services for golf clubs with GIT integration. Partner programs exist for system integrators and accounting firms. The platform operates independently of the customer's choice of business system, with all synchronization and bookkeeping handled automatically.

Differentiator

Problem solved

Functional benefit

Brands

• FINQR Fakturaservice: Core invoicing automation platform for businesses
• FINQR Inkasso
• Relationsbyggande med fakturan

Products and services

• FINQR Fakturaservice FINQR's core invoicing platform that automates, customizes, and optimizes invoice and collection flows regardless of business system. Features include automated invoice distribution via email, post, SMS, and e-invoice; automatic reminders; integrated inkasso; and automated bookkeeping synchronization. It is for B2B companies in Sweden that need to streamline accounts receivable.
• FINQR Inkasso Integrated debt collection and reminder service operated under license from Finansinspektionen (Swedish Financial Supervisory Authority). The service handles payment reminders, inkasso demands, after-monitoring (efterbevakning), credit management, and Kronofogden (Swedish enforcement authority) proceedings for B2B companies in Sweden.
• Factoring / Fakturaköp Invoice purchasing service allowing businesses to sell their invoices to FINQR for immediate liquidity. The service helps improve cash flow and provides financial flexibility for B2B customers.
• MY FINQR - Invoice Recipient Portal Self-service portal for invoice recipients (debtors) to view all active invoices, check payment status, access FAQ, and contact customer support via chat. Each invoice sent through FINQR creates a corresponding interactive web invoice.
• Medlemsservice för golfklubbar (Golf Club Member Service) Specialized member service for golf clubs with integration to Golfens IT-system (GIT). Automates member fee invoicing, distribution, reminders, credits, bookkeeping, and member activation in GIT. The integration replaced six manual steps with one automated flow.
• Relationsbyggande med fakturan (Relationship-Building Messaging Service) Professional service for developing customized messaging and design content in invoices. Includes consultation, message development, design, and one proof review. Focus areas include sales promotion, brand building, activity triggering, and customer service messaging.
• System Partner Program (Systempartner) Partner program for system suppliers and technical integrators. Enables partners to unlock new revenue streams by integrating FINQR's invoice and collection services into their platforms.
• Accounting Firm Partner Program (Redovisningsbyrå) Partner program for accounting firms. Offers fixed pricing per invoice, automated bookkeeping synchronization, customer receivables management, kickback models, and analytical tools for cash flow analysis and advisory services.
• FINQR Reporting Engine Built-in reporting engine to visualize all FINQR data in graphs and tables, exportable as CSV and PDF. Available report types include accounts receivable, account statements, general ledger, article statistics, and bookkeeping reports.

Quantifiable outcome

• Credit time reduction of 5–10 days on average
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• Golfens IT-system (GIT)coreTechnology or IntegrationFINQR is a collaboration partner with Golfens IT-system (GIT), the golf industry's IT platform in Sweden. The integration automates member fee invoicing for golf clubs — invoices created in GIT are automatically synced to FINQR for distribution, reminders, credits, bookkeeping, and activation back in GIT. This transforms what was a 6-step manual process into a single automated flow.
• System Integration Partners (Systempartner)coreChannel Partner/ Reseller/ DistributorFINQR maintains a network of system integration partners (Systempartner) who recommend or embed FINQR as part of their customers' ERP/business system stack. These partners unlock new revenue streams by adding invoice automation and collection services to their offerings.
• Accounting Firm Partners (Redovisningsbyrå)coreChannel Partner/ Reseller/ DistributorFINQR partners with accounting firms across Sweden who offer FINQR's platform to their clients. Partners benefit from a unified interface for accounts receivable management, automatic bookkeeping entries, and a kickback model based on invoice volume. This enables accounting firms to offer value-added services beyond traditional bookkeeping.
• Blingdale (Parent Company)coreOthersFINQR is a subsidiary (under brand) of Blingdale AB. Blingdale is described as the parent company and raised 43 million SEK in a funding round for expansion. FINQR is noted as part of the Blingdale group on the website footer.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Billogram: Swedish invoicing-automation platform targeting enterprise and SMB customers. Offers digital invoice delivery, payment reminders, embedded payments, and collections, directly overlapping FINQR's Fakturaservice and reminder/inkasso workflows in the same Swedish market.
• InExchange: Nordic e-invoice network that converts and routes invoices between ERP/e-invoice formats. Functionally comparable to FINQR's e-fakturaväxel (e-invoice switch) and a natural Swedish competitor for automated distribution and bookkeeping-posting workflows.
• Fortnox: Largest Swedish SaaS provider of accounting, invoicing, and payroll for SMBs. Bundles invoicing, e-invoice, and payment reminders into its core product — directly competing with FINQR's standalone Fakturaservice for the same Swedish SMB customer base.
• Intrum (Swedish operations / Colligent): Europe's largest credit management and debt-collection firm with a significant Swedish presence. Competes head-on with FINQR's licensed Inkasso module for business debt collection and customer-receivables management.

Broad incumbents

• Visma: Pan-Nordic ERP, accounting, and procurement software conglomerate. Offers invoicing, e-invoice, and (via partners) collection features inside broad suites like Visma.net — a wider incumbent that overlaps FINQR's automated invoice flow as one feature among many.
• Lowell: European credit-management and debt-purchasing firm with regulated collection operations. Provides the same regulated debt-collection function FINQR is licensed for, but at much greater scale and across multiple European geographies.

Emerging players

• Bokio: Cloud accounting software for Swedish SMBs and a FINQR partner. Competes as a bundled invoicing alternative while also functioning as a distribution channel for FINQR's collection services to Bokio's customer base.
• Kivra: Sweden's leading digital mailbox, increasingly used to deliver invoices and payment requests from issuers to consumers and SMBs. Adjacent/emerging competitor for consumer-facing invoice delivery that FINQR's MY FINQR portal also targets.
• Pleo: European SMB fintech providing corporate cards and automated expense/bookkeeping workflows that integrate with Swedish/Nordic ERPs. Targets the same SMB finance automation budget as FINQR, though with a spend-management rather than receivables angle.

Regional players

• Trustly: Nordic/European account-to-account payments network enabling instant bank payments, recurring billing, and disbursements. Adjacent to FINQR's invoice-to-bookkeeping flow via embedded payments for invoice settlement and reminders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCz8X...
• LinkedInlinkedin.com/company/finqr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Finqr