What Factoringgruppen does

Factoringgruppen is a Swedish financial services company headquartered in Gothenburg that provides working-capital and financing solutions to small and medium-sized enterprises across Sweden. Its core offering is invoice factoring (purchase of customer invoices), complemented by business loans, leasing, transport financing, sports financing, debt collection, and ancillary invoice services. The company maintains a multi-regional footprint with offices in Gothenburg, Stockholm, Norrland, and Skåne, and serves named clients such as Top Drill AB and Agekil AB alongside a broader long-tail of Swedish SMBs.

The technology layer centers on the Mitt fg customer portal, which supports digital onboarding, invoice submission, and reconciliation. The platform integrates with RIX-INST, Sweden's instant payment infrastructure, and connects to clients' business systems, enabling automated settlement workflows. The company maintains an active presence on LinkedIn, Facebook, and Instagram as supplementary customer-acquisition channels alongside its regional sales motion. The organization has an operating history of approximately three decades and a headcount in the 11-50 employee range, consistent with a regional rather than national-scale financial services provider.

Factoringgruppen's business model combines transaction-based revenue from invoice purchasing (factoring fees tied to invoice value and risk), interest income from business loans, recurring lease payments from equipment financing arrangements, and fees from debt collection and invoice services. Pricing is quote-based and tailored per client, consistent with SMB underwriting where deal terms vary with credit quality and industry vertical. The go-to-market is sales-led and relationship-driven, with named account managers supporting clients, supplemented by digital channels for lead generation and brand presence in the Swedish SME finance market.

Name

Factoringgruppen

Legal name

Factoringgruppen

Website

https://fg.se

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Factoringgruppen is a Swedish financial services company providing invoice factoring, business loans, leasing, and specialized financing to small and medium-sized enterprises across Sweden, delivered through regional offices and the Mitt fg digital portal.

Ownership category

akta.pro rank

Product category

Invoice Factoring Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

Keywords

• Invoice factoring
• Business lending
• Equipment leasing
• Debt collection
• SME financing

Headquarters

HQ city

Gothenburg

HQ country

Sweden

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring/Factura Purchase: The company purchases invoices from businesses, providing immediate cash flow. They earn revenue through the spread between the face value of the invoice and the purchase price paid to the customer.
2. Business Loans: Provides term loans to businesses with flexible arrangements. Revenue generated through interest and origination fees on loans.
3. Leasing: Equipment leasing services where businesses can lease investments without tying up capital. Revenue from lease payments.
4. Transport Financing: Specialized financing solutions for transport and logistics companies.
5. Invoice Services: Facturaservice providing invoice management, processing, and collection services.
6. Debt Collection (Inkasso): Debt collection services for businesses to recover outstanding receivables.
7. Sports Financing: Specialized financing products tailored for sports clubs and associations.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Factoringgruppen provides invoice factoring and purchasing, business loans, leasing, transport financing, debt collection (inkasso), and invoice administration services to Swedish small and medium-sized businesses. The company also operates a dedicated financing line for sports clubs and associations. Customers access and manage these services through the proprietary "Mitt fg" customer portal alongside in-person support at four regional Swedish offices.

Product overview

Factoringgruppen is a Swedish financial services company offering a portfolio of complementary business financing products. The core product is invoice purchasing (factoring), which allows businesses to sell individual invoices or finance larger volumes for immediate payment via direct bank transfer. This is complemented by business loans that can be combined with factoring, equipment leasing, transport financing, invoice service, debt collection, and specialized sports financing. All services are managed through the Mitt fg customer portal, which provides real-time invoice tracking and integrates with selected business systems for automated accounting.

Differentiator

Problem solved

Functional benefit

Brands

• Mitt fg: Customer portal for managing invoice flows, tracking invoice status, retrieving accounting documentation, and automated accounting via integration with selected business systems.

Products and services

• Invoice Factoring / Facturaköp

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• Business System IntegrationscoreTechnology or IntegrationMitt fg customer portal integrates with selected business systems (affärssystem) for automatic transfer and bookkeeping of invoices. These integrations enable automated accounting workflows for customers.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• Svea Ekonomi: Swedish fintech offering factoring, business loans, and payment solutions to SMEs. Closely comparable to Factoringgruppen in core product (invoice purchasing) and target customer (Swedish SMBs).
• Capcito: Swedish fintech providing invoice factoring and working capital solutions to SMBs via a digital platform. Direct competitor in the Swedish SME factoring market.
• Froda: Swedish fintech offering business loans and invoice factoring to SMEs, with a digital application process. Competes directly for the same Swedish SMB factoring customers.
• Capitalbox: Swedish alternative lender providing factoring and business loans to SMBs. Comparable in product mix and Swedish SMB target market.
• Northmill Bank: Swedish/Nordic challenger bank offering personal loans, business financing, and savings. Broad incumbent in Nordic SMB lending space overlapping with Factoringgruppen's services.
• Qred: Swedish fintech providing business loans and factoring to SMBs with a digital-first approach. Direct competitor in SME working capital financing in the Nordics.

Broad incumbents

• Resurs Bank: Swedish bank offering retail and SME financing including factoring and leasing. Larger, broader incumbent with overlapping product set in the Swedish SMB finance market.
• TF Bank: Swedish/Nordic bank with consumer and SME lending operations. Provides adjacent credit intermediation services to Nordic SMBs.

Emerging players

• Klarna: Swedish fintech giant offering BNPL and merchant services. While primarily B2C, Klarna's SMB merchant financing efforts overlap with the broader Swedish SMB financing ecosystem.
• Creddo: Swedish invoice factoring and debt collection provider. Smaller emerging player offering overlapping services to Swedish SMBs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/factoringgruppen
• LinkedInlinkedin.com/company/factoringgruppen
• Instagraminstagram.com/factoringgruppen

Revenue estimate

Valuation estimate

Number of profiles

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 Factoringgruppen