Instant Liquidity for
your Business
Your digital invoice financing
✓ B2B invoices financed easily
✓ For SME and large corporations
✓ Fair conditions and transparent fees
Our Partners
What is invoice financing?
Invoice financing allows you to have outstanding invoices paid out immediately, without waiting for your customers' payment terms. Improve your liquidity and deploy your working capital flexibly.
Fast & digital
Upload invoice
Invoice your customers as usual and simply upload the invoice to the Finyoz platform.
Fast payments
Receive up to 95% instantly
As soon as your customer digitally approves the invoice, you receive up to 95% of the invoice amount directly to your account at market beating speeds.
Full flexibility
Receive remaining amount
You automatically receive the remaining amount as soon as your customers settle the invoice by the agreed payment date.
As the perfect financing instrument, Finyoz is for everyone - from small and medium-sized enterprises (GmbHs) to large corporations across a wide range of industries.
How does invoice financing work?
From registration to financing
1. Delivery & Invoice
Register your business online in just a few minutes. Once you have provided the service to your customer, upload the invoice to Finyoz.
2. Submit Invoice
Your customers can confirm their delivery and invoice electronically with a single click.
3. Immediate Liquidity
You’ll receive up to 95% of the invoice amount in your account at market beating speeds. Simple, fast, Finyoz!
Tailored financing solutions for your business
Industry-specific solutions
Logistics & Transport
Specially for transport companies, freight forwarders and logistics service providers. Bridge long payment terms and secure your cash flow for growth and expansion.
Learn more
Banks & Financial Institutions
Expand your product portfolio with innovative invoice financing solutions. As a white-label partner or intermediary, you benefit from proven technology.
Learn moreFinancing process for your invoice
In just 5 easy steps
Upload invoice
Confirm costs
Customer confirmation
Receive partial payment
Receive final payment
Upload invoice
Confirm costs
Customer confirmation
Receive partial payment
Receive final payment
A few minutes
Fast Payments
14-90 days
Simply upload invoices to our portal or connect your accounting software via API.
Benefits of invoice financing for
Companies & Debtors
Companies
Companies receive payouts of up to 95% of the invoice amount at market beatings speeds and achieve immediate liquidity.
Customers have up to 90 days to settle the outstanding receivable with Finyoz.
Finance your B2B outgoing invoices within 14-90 days easily and from a low 0.40% arranging fee with Finyoz.
Debtors
Benefit from extended payment terms for goods already delivered or services already rendered.
Keep track of your incoming invoices at all times and sustainably relieve your accounting department.
Take advantage of structured payment processing with Finyoz and improve your financial planning.
Success Stories
What our customers say about Finyoz
Markus T.
Employee at Freight Company
“Finyoz has fundamentally improved our invoicing and cash flow processes. As a haulage contractor, we operate with long payment terms of 60 to 90 days – previously, this meant full order books but tight cash flow. Since we started using Finyoz, our hauliers receive their payments instantly following our electronic confirmation. This eases the strain on our overdraft, improves our credit rating and strengthens our relationships with our transport partners. We can accept orders with longer payment terms without straining our liquidity, and we have significantly greater planning certainty. Fast, transparent and fully digital – exactly the solution that modern freight forwarders need.”
Sabine M.
Managing Director, Beverage Wholesale
“As a beverage wholesaler, we repeatedly faced cash flow problems despite having a full order book. Many customers were asking for longer payment terms, whilst at the same time we were unable to take advantage of the 2–5% discounts available when purchasing goods. This meant that placing larger orders and securing better purchasing terms were only possible to a limited extent. With Finyoz, this has changed fundamentally: We receive payment for up to 95% of our outgoing invoices instantly and can pay our suppliers within seven days – including the discount. This boosts our margin, enables us to purchase larger quantities and noticeably improves our relationships with customers and suppliers. Finyoz is a real game-changer for us: fast liquidity, flexible payment terms for our customers and a noticeable competitive advantage.”
Our Awards
Which companies can register?
Requirements for using Finyoz’s invoice financing service:
Your company is a GmbH and has been established for at least 24 months
Your headquarters are in Germany, Austria or France
Your customers' headquarters are also in Germany, Austria or France
Your outgoing invoices have payment terms between 14 and 90 days
You exclusively supply commercial customers or public sector clients
Your customer base is as consistent as possible
Your receivables are free of objections and the underlying deliveries or services have been fully rendered
Conditions
No monthly fees
No provision fees
No costs for credit checks
No contractual lock-in period
Financing for many sectors
Our strict selection process ensures minimal default risk and ethical conduct.
Finyoz finances
Freight forwarding, Transport and Logistics
Recycling
Packaging Industry
Facility Management
Wood Industry
Metal Products/Mechanical Engineering
Beverage Industry
Trade, Commercial agency
Electronics/Electronic Components
Industrial Cleaning
Automotive Industry, Vehicle Manufacturing
Healthcare
Manufacturing
Building Materials Trade
Food Industry/Contract Catering
Paper, Publishing and Printing
Recruitment, Temporary Staffing
and many more ethically operating companies
Finyoz does not finance
Weapons/Arms Production
Gambling and Pyramid Schemes
Multi-Level-Marketing
Precious Metals and Gemstones
Mining and Raw Material Extraction
Scrap Trade
Adult Entertainment
Drug Paraphernalia, CBD and Related Products
Tobacco Industry
Emissions Trading and Energy Trading
Crypto investments and other forms of speculative trading
Pawnbrokers
Companies that trade illegal goods
Finyoz only finances outgoing invoices for companies that meet all credit insurance criteria and reduces default risk with digital pre-authorization of invoices to be financed by the debtors.
Register nowSecurity as a Priority
We are a lendtech platform that enables economic benefits for investors and companies using our services. Risks are always part of the economic environment and we minimize them wherever possible.
Regulation & Compliance
Financial services are a heavily regulated industry, and rightly so, to ensure customer protection, high ethical standards and proper delivery of expected services.
Strict Risk Assessment
Only companies that meet numerous risk and credit criteria are approved for financing.
BaFin Regulation
Finyoz is a contractually bound agent of DonauCapital Wertpapier GmbH, regulated by the Federal Financial Supervisory Authority (BaFin).
Secure Payment Processing
Our payment services are provided by CurrencyCloud B.V., registered and licensed by the Dutch National Bank.
Ready for Instant Liquidity?
Start now and get access to your invoice financing within 48 hours.
Register now