Noja Rahoitus
Noja Rahoitus is a Turku-based Finnish invoice financing company serving SMBs and mid-market businesses with sales and purchase invoice financing, receivables-based credit lines, and embedded billing and collection services distributed through integrations with Netvisor, Admicom, and Evelia accounting platforms.
- Company typePrivate
- Founded2014
- HeadquartersTurku, Finland
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Noja Rahoitus does
Noja Rahoitus Oy is a Finnish invoice financing company headquartered in Turku, founded in 2014 and backed by private equity investor MB Rahastot (MB Funds). The company provides working capital solutions to Finnish small and mid-sized businesses, offering sales invoice financing (Myyntilaskurahoitus), purchase invoice financing (Ostolaskurahoitus, also used for import/export), a receivables-based credit line (Saatavalimiitti), full billing and payment monitoring services, and professional debt collection via a partnership with Intrum. Its core product, Kassavirta Plus, bundles invoice financing, receivables limit, automated payment monitoring, reminders, and collection into a single turnkey offering natively integrated into Netvisor.
The technology platform combines API-level integrations with Finland's leading accounting and ERP systems — Netvisor, Admicom's Adminetti, and Evelia — enabling embedded activation and automated data exchange. Credit decisions are delivered within 24 hours and applications can be completed in under five minutes, supported by open banking data access through Salt Edge and a KYC infrastructure built on Netvisor. Distribution is multi-channel: a regional direct sales force covering all four Finnish regions (South, West, North, East), embedded SaaS channels through accounting software marketplaces, referral partnerships (notably One Leasing Finland), and digital marketing.
The business model is transaction-based, charging usage-linked fees on financed invoice amounts with no hidden commissions, annual or monthly fees. Customers retain the ability to finance only the portion of receivables they need, and sales invoices serve as collateral without requiring real securities. Customers span generalist SMBs, trading and import/export companies, and dedicated vertical segments such as Finnish pharmacies (with customized Kela-reimbursement acceleration) and construction/building technology firms reached through Admicom and Evelia. The company is also an anti-money-laundering reporting entity under Finnish law and is GDPR-compliant.
Noja Rahoitus firmographics
Firmographics- Name
- Noja Rahoitus
- Legal name
- Noja Rahoitus Oy
- Website
- https://noja.fi
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Noja Rahoitus is a Turku-based Finnish invoice financing company serving SMBs and mid-market businesses with sales and purchase invoice financing, receivables-based credit lines, and embedded billing and collection services distributed through integrations with Netvisor, Admicom, and Evelia accounting platforms.
- Ownership category
- akta.pro rank
Where Noja Rahoitus is headquartered
LocationHeadquarters
- HQ city
- Turku
- HQ country
- Finland
- HQ region
- Europe
Offices1 record
Markets served
Noja Rahoitus business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Invoice Financing Transaction Fees: Revenue generated from financing invoices. Customers pay only for usage - no hidden fees, commissions, or annual/monthly fees. Transaction-based fees calculated on the financed invoice amounts.
- Accounts Receivable Management Services: Additional services including billing, payment monitoring, reminder sending, and collection included as part of the financing service package.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Customized financing solutions based on company needs |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels4 records
Noja Rahoitus product offering
Product offeringCore offering
Noja Rahoitus provides invoice financing and receivables management services to Finnish small and medium-sized businesses. Its offering includes sales invoice financing (Myyntilaskurahoitus), purchase invoice financing (Ostolaskurahoitus), and the integrated Kassavirta Plus service that bundles invoice lifecycle management with billing and payment monitoring.
Product overview
Noja Rahoitus is a Finnish invoice financing company offering a portfolio of working capital and receivables management solutions. The core products are Myyntilaskurahoitus (sales invoice financing) and Ostolaskurahoitus (purchase invoice financing), which together provide businesses with immediate access to capital against their receivables and extended payment terms for their payables. Kassavirta Plus is an enhanced module that combines invoice financing with a receivables limit, automated payment monitoring, reminders, and collection services — offered natively integrated into Netvisor. Laskutus- ja maksuvalvontapalvelut (billing and payment monitoring) is a standalone service covering the full accounts receivable lifecycle. All services follow a turnkey model where the company handles invoice sending, monitoring, reminders, and collections on behalf of the client.
Differentiator
Problem solved
Functional benefit
Brands
- Kassavirta Plus: A comprehensive service covering the entire invoice lifecycle, combining invoice financing with automated receivables management, available through Netvisor integration.
Products and services
- Sales Invoice Financing (Myyntilaskurahoitus) Financing product that advances working capital to Finnish SMBs against their outstanding B2B sales invoices, accelerating receivables into immediate cash flow.
- Purchase Invoice Financing (Ostolaskurahoitus) Financing product that provides funding for the client's own purchase invoices (payables), enabling extended payment terms and improved supplier cash management.
- Kassavirta Plus Integrated invoice lifecycle service that combines sales and purchase invoice financing with billing and payment monitoring into a single cash-flow management platform for Finnish SMBs.
- Billing and Payment Monitoring Services Managed service that issues invoices on behalf of the client and monitors incoming payments, reducing the administrative burden of receivables collection for Finnish SMBs.
Quantifiable outcome
- NPS improved to 75 in 2025 customer satisfaction survey
- +2 more outcomes
Companies that use Noja Rahoitus
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles1 record
Noja Rahoitus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
Noja Rahoitus partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, flagship, supporting and minor.
- EveliacorePartnership bringing Noja Rahoitus's financing solutions as part of Evelia's service offering for construction and building technology companies. Evelia is a domestic software company providing financial management and ERP systems for the building technology and construction sector.
- Netvisor (Visma Solutions)flagshipStrategic partnership where Netvisor (a leading digital solutions and AI company) selected Noja Rahoitus as a key partner for a strategic digital project. Together they developed Kassavirta Plus - a turnkey solution providing invoice financing, receivables management, payment monitoring, and collection directly through Netvisor. Service is accessible via Netvisor Store.
- Visma AmiliflagshipCo-developed Kassavirta Plus with Visma Amili, combining invoice financing with automated receivables management. Visma Amili handles the technology integration while Noja provides the financing services. Part of the Netvisor ecosystem.
- Admicom FinlandcorePartnership to integrate invoice financing services directly into Adminetti ERP system. Enables automated sales ledger keeping without manual work. Integration continues to be developed with new features planned.
- One Leasing FinlandcoreCollaboration between two leading Finnish financing companies to provide comprehensive financial services. Noja provides invoice and purchase invoice financing while One Leasing handles equipment leasing. Single-point-of-contact approach for growth-oriented companies needing both working capital and investment financing.
- IntrumsupportingPartnership for professional debt collection services. When payment reminders don't result in payment, Intrum handles collection professionally as a responsible partner, improving customer experience.
- SäästöpankkiminorShown as a logo partner on the website footer, indicating some form of collaboration or business relationship.
- LähitapiolaminorShown as a logo partner on the website footer, indicating some form of collaboration or business relationship.
- Netvisor KYC SystemsupportingUses Netvisor KYC system for storing customer due diligence information in compliance with anti-money laundering regulations. Customer Know Your Customer data stored separately from other customer data in secure KYC system.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Noja Rahoitus competitors and assessment
Company assessmentDirect peers
- Bibby Financial Services: Bibby Financial Services is a global invoice financing and factoring provider with established Nordic operations (including Finland). Direct competitor offering comparable products (invoice discounting, factoring, receivables management) to SMBs and mid-market companies.
- Captura: Captura is a Swedish fintech offering invoice financing and factoring-as-a-service to SMBs. Closely comparable business model and product offering to Noja, primarily serving a neighboring Nordic market.
- CapitalBox: CapitalBox provides invoice factoring and working-capital financing to SMBs across Europe with an automated digital onboarding flow mirroring Noja's under-5-minute application and 24-hour credit decision. Comparable product and SMB target segment.
- Kameo: Kameo is a Nordic invoice financing and receivables platform operating in Sweden with cross-border SMB focus. Direct competitor to Noja in transaction-based invoice financing with similar fintech-native delivery model.
- Fellow Pankki: Fellow Pankki (formerly Fellow Finance) is a Finnish fintech offering invoice financing, business loans, and investment products to SMBs. Direct competitor to Noja in the Finnish SMB financing market with comparable digital onboarding and transaction-based pricing.
- Norion: Norion is a Finnish invoice trading and receivables financing platform serving SMBs. Offers a marketplace-style invoice financing model with a Finnish market focus, making it a direct competitor to Noja in the same customer segment with comparable working-capital solutions.
- Svea Bank: Svea is one of the largest Nordic financial groups offering invoice financing, factoring, and receivables management to SMBs across multiple Nordic countries. Directly comparable to Noja in core product (sales/purchase invoice financing), customer segment (SMBs), and embedded software strategy.
Broad incumbents
- Collector Bank: Collector Bank (now part of Svea) is a Nordic challenger bank offering SME and consumer financing including invoice-based products. Larger incumbent with broader geographic reach and similar SMB customer base to Noja.
- Resurs Bank: Resurs Bank is a Nordic bank offering consumer and SME financing including invoice/payment-financing products in the Nordics. Larger and more diversified than Noja, with overlapping capabilities in invoice-based working-capital finance.
- TF Bank: TF Bank is a Nordic challenger bank offering deposits, consumer finance, and SME lending products including invoice financing. Larger incumbent operating across the Nordic region with overlapping invoice financing capability to Noja's product set.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Noja Rahoitus social profiles
Digital presenceNoja Rahoitus compliance and trust
Trust signalCompliance2 records
Noja Rahoitus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Noja Rahoitus leadership team
Management profileNumber of profiles
Profiles2 records
Noja Rahoitus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Noja Rahoitus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Noja Rahoitus
What does Noja Rahoitus do?
Noja Rahoitus provides invoice financing and receivables management services to Finnish small and medium-sized businesses. Its offering includes sales invoice financing (Myyntilaskurahoitus), purchase invoice financing (Ostolaskurahoitus), and the integrated Kassavirta Plus service that bundles invoice lifecycle management with billing and payment monitoring.
Is Noja Rahoitus a public or private company?
Noja Rahoitus is a private company. It is classified as private equity controlled and is currently operating.
When was Noja Rahoitus founded?
Noja Rahoitus was founded in 2014. It employs 11 to 50 people.
Where is Noja Rahoitus based?
Noja Rahoitus is headquartered in Turku, Finland, in the Europe region.
How does Noja Rahoitus make money?
Two revenue lines are on record. Invoice Financing Transaction Fees are the primary driver. The others are accounts Receivable Management Services.
Who are Noja Rahoitus's main competitors?
Direct peers on record are Bibby Financial Services, Captura, CapitalBox, Kameo, Fellow Pankki, Norion and Svea Bank. Broad incumbents are Collector Bank, Resurs Bank and TF Bank.
Does Noja Rahoitus have an API?
No public API is recorded for Noja Rahoitus.