What Euro Finans does

Euro Finans AB is a privately held Swedish financial services company headquartered in Lund, founded in 1989 by Anders Jarlskog. The company specializes in receivables-based financing for Swedish businesses, offering invoice purchasing (Fakturaköp), invoice pledging (Fakturabelåning), business loans (Företagslån from 100,000 SEK), full-service factoring, and debt collection (Inkassoservice). Its core technology consists of an online customer portal (Mina sidor) for managing invoice transactions and applications, supplemented by a free cloud-based accounting and invoicing system provided through a partnership with Acconomy. The platform supports a self-service online application flow integrated with a sales-led distribution model in which personal financial advisors engage customers by phone, chat, and in-person after initial inquiry.

Euro Finans monetizes primarily through transaction-based fees on receivables it purchases or against which it lends. Pricing on invoice purchasing ranges from 1.5% to 6% of invoice value depending on creditworthiness, volume, and whether the risk is transferred to Euro Finans, while invoice pledging fees range from 1.8% to 6%. The company packages these offerings into three productized tiers — Flexibel Finansiering (customer retains credit risk), Projekt Finansiering (short-term, no commitment), and Trygg Finansiering (Euro Finans assumes credit risk) — plus separate fixed-fee business loans. Operations are domestic only, with the company self-describing as the largest invoice purchasing provider in Sweden.

The company reports processing approximately 500,000 invoices per year with a portfolio value of around 10 billion SEK, a 97.3% customer assistance rate, and typical payout times of 1-8 hours. Its customer base spans Swedish SMEs, sole proprietors, and larger corporations across construction, IT, consulting, wholesale, and transport/logistics. The leadership team includes Credit Chief Bhupinder (26+ years of industry experience) and Marketing Manager Malin Andersson. There are no disclosed funding rounds, acquisitions, or institutional investors, and ownership is described as founder/management-owned.

Name

Euro Finans

Legal name

Euro Finans AB

Website

https://eurofinans.se

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

101–250 employees

Short description

Euro Finans AB is a Swedish financial services company founded in 1989 that provides invoice purchasing, invoice pledging, business loans, factoring, and debt collection to SMEs and corporations across Sweden, processing roughly 500,000 invoices annually.

Ownership category

akta.pro rank

Product category

Business Financing and Invoice Factoring

NAICS

Sales Financing (522220), Credit Intermediation and Related Activities (522), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Merchant-Branded Installment Financing (Retailer Private-Label) (FSAKAFAA)

akta.pro secondary industries

Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Invoice purchasing
• Business financing
• Invoice factoring
• Small business loans
• Debt collection services

Headquarters

HQ city

Lund

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Fakturaköp (Invoice Purchasing): Transaction-based revenue where Euro Finans purchases invoices from businesses and pays them immediately, deducting a commission fee. Revenue is generated as a percentage of each invoice value processed.
2. Fakturabelåning (Invoice Lending): Revenue generated from lending against invoices as collateral, with fees ranging from 1.8-6% of invoice value. Customer retains credit risk but receives capital advance.
3. Företagslån (Business Loans): Fixed-fee business loans starting from 100,000 SEK with custom pricing based on loan amount, term, and company creditworthiness.
4. Factoring Services: Full-service factoring where Euro Finans handles invoice management, collections, and credit risk assessment for a fee.
5. Inkassoservice (Debt Collection): Collection services for unpaid invoices, generating fees from debt recovery activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Euro Finans provides business financing to Swedish SMEs through invoice purchasing (Fakturaköp), business loans (Företagslån), factoring, invoice pledging (Fakturabelåning), and debt collection services (Inkassoservice). The company purchases customer invoices and pays sellers within 1-8 hours, taking a transaction fee of 1.5-6% of invoice value, with optional credit risk transfer via the Trygg Finansiering package.

Product overview

Euro Finans is a Swedish financial services company offering a unified platform of business financing products. The core offerings include Fakturaköp (invoice purchasing), Företagslån (business loans), Factoring, and Fakturabelåning (invoice pledging). These are complemented by three structured packages—Flexibel Finansiering, Projekt Finansiering, and Trygg Finansiering—that differ primarily in credit risk allocation and commitment levels. Additional services include Inkassoservice (debt collection) and the Acconomy cloud-based accounting system provided at no cost to customers. The company positions itself as a one-stop financing partner for Swedish businesses needing liquidity solutions, with processing times typically within 1-8 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Fakturaköp (Invoice Purchasing) Invoice purchasing service where Euro Finans buys customer invoices and pays the seller immediately, typically within 1-8 hours, with optional credit risk transfer. Pricing ranges from 1.5-6% of invoice value depending on amount, creditworthiness, volume, and risk structure.
• Företagslån (Business Loans) Business loans starting from 100,000 SEK with customized repayment terms, fast processing, and fixed fees instead of variable interest rates. Available to small and larger Swedish companies.
• Factoring Factoring services allowing businesses to leverage or sell their invoices to unlock capital, with Euro Finans handling administrative work such as invoice management, collections, and credit risk assessment.
• Fakturabelåning (Invoice Lending/Pledging) Invoice pledging service where businesses use invoices as collateral for credit, with access to up to 100% of invoice value within 1-8 hours. Fees range from 1.8-6% of invoice value, with the customer retaining credit risk.
• Flexibel Finansiering (Flexible Financing Package) Flexible financing package where the business retains credit risk but receives fast payment for sold invoices without long-term commitments. Suited to all industries and company sizes.
• Projekt Finansiering (Project Financing Package) Project financing package for temporary financing needs without binding contracts, ideal for short-term project cash flow requirements.
• Trygg Finansiering (Secure Financing Package) Secure financing package where Euro Finans takes full credit risk, protecting businesses from payment defaults and credit losses and reducing administration.
• Inkassoservice (Debt Collection Service) Debt collection service for pursuing unpaid invoices, handling reminders and collection procedures on behalf of businesses.
• Acconomy Cloud Economic System Free cloud-based invoicing and accounting system provided to Euro Finans customers for streamlined financial management, including invoice creation, bookkeeping, and financial tracking integrated with the financing services.

Quantifiable outcome

• 97.3% of customers receive help
• +3 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• AcconomycoreTechnology or IntegrationAcconomy is a cloud-based economic system (invoicing and accounting software) offered free to Euro Finans customers. This partnership provides integrated financial management capabilities, allowing customers to streamline invoice creation, bookkeeping, and financial tracking directly through Euro Finans' service ecosystem.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Others

• Visma: Visma is the dominant Nordic accounting/ERP software provider; through integrations with finance partners it could partner with or compete against Euro Finans' Acconomy-powered customer base for embedded invoice financing inside SME accounting workflows.

Direct peers

• Collector Bank: Swedish niche bank offering factoring, invoice discounting, and SME credit — closely comparable to Euro Finans in target segment (Swedish SMEs and merchants) and product mix (receivables-based financing).
• Capitalbox: Capitalbox is a Stockholm fintech offering invoice factoring and short-term liquidity to Swedish SMEs, competing head-to-head with Euro Finans' core factoring and invoice purchasing services.
• Svea Bank: Svea Bank is a Nordic financial group providing invoice purchasing, factoring, and SME financing across the Nordics — directly competing with Euro Finans in the Swedish fakturaköp and factoring market with similar B2B liquidity offerings.
• Aros Kapital: Aros Kapital is a Swedish non-bank lender focused on invoice purchasing, factoring and SME working-capital solutions, directly comparable to Euro Finans in product scope and customer type.
• TF Bank: TF Bank is a Stockholm-based niche bank providing invoice financing, working-capital loans and factoring solutions to Swedish SMEs, directly overlapping with Euro Finans' fakturaköp and företagslån products.
• Resurs Bank: Resurs Bank is a Nordic niche bank that provides invoice financing, factoring, and SME loans to merchants and small businesses, closely mirroring Euro Finans' product set and target customer base.

Broad incumbents

• Trustly: Trustly is a Swedish-founded account-to-account payments and merchant settlement provider; while not a direct factoring competitor, it sits in the same Swedish fintech ecosystem and increasingly powers B2B payment flows that substitute or complement invoice financing.
• Klarna: Klarna is a Swedish-born global fintech providing merchant services, working-capital financing and embedded credit to businesses — a broader incumbent whose merchant financing products compete with Euro Finans at the SME end of the market.

Regional players

• Norvestor / Nord Faktor (Nordic factoring boutiques): NorthCapital/Nordic factoring boutiques provide invoice purchasing and receivables financing across the Nordics — a regional alternative for Swedish SMEs and a potential competitor/partner for Euro Finans' cross-border clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/EuroFinansSverige
• LinkedInlinkedin.com/company/1023093
• Instagraminstagram.com/eurofinans
• Xx.com/eurofinansab

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Euro Finans