Invoice Financing

Convert your invoices
into cash long before
the due date

Get up to $10m in 48 hours, all online.

Enter invoice value (up to 10m USD):

(up to 10m USD)

Days of deferred payment left (up to 120)

(up to 120)

We finance:

Cost per invoice:

0.7%($0)*

*NB. Stenn’s fees depend on the amount of finance requested, payment terms, etc.
The figures in this calculator based on 7.9% per annum plus the 3-Month Term SOFR rate are for illustrative purposes and do not constitute an offer.
Actual funding limits will be set only after invoices are submitted and due diligence carried out.
Read more in our Pricing Policy.

Provide information about your counterparty and your deal

Submit invoices and transport documents for financing

Get funded in 48 hours after the approval and signing 2 documents

Invoice financing for Suppliers

Invoice financing, also known as 'invoice factoring' or 'accounts receivable financing', is a form of financing based on outstanding invoices. It allows suppliers (exporters) to improve cash flow by receiving advances from a third-party finance provider against unpaid invoices.

Apply for finance

Who Uses Invoice
Financing?

Invoice factoring is incredibly accessible. Businesses of any size can benefit from invoice financing but the service is common in international trade where companies expanding into global markets are cautious about new Buyers that demand deferred payment terms for goods and services.

Apply for finance

The Advantages of Invoice Financing

Instant cash flow - some factoring companies can deposit funds within 48 hours of approval, meaning SMEs can be paid soon after the invoice has been issued rather than waiting for payment from the Buyer.

No collateral needed - the invoice finance loan uses the invoice itself as collateral and thus is not a risk to any other business assets.

No need to chase the Buyer - if the Exporter applies for non-recourse financing, the financier will own the invoice, chase late payment and suffer the loss if the invoice isn’t paid.

Apply for finance

Sellers and buyers who has a shipped deal

Companies engaged in international and domestic trade

Only invoice and transport document needed

Why companies trust Stenn

We’ve funded companies
to a current total of:

$12 Billion (USD)

and are just getting started!

We’re backed by financial
giants like:

HSBC

Citi

and many others.

Based in London, we are
one of the fastest-growing FinTech companies in Europe.

Frequently Asked Questions

How it works: Get financed in 48h, all online

If you have any invoices waiting to be paid by your buyer you can convert them into cash even before the due date. Just upload your invoices and transport documents on the platform, get the approval, sign 2 documents and get the money in your bank account within 48 hours.

It’s called invoice financing, or factoring, or account receivable finance - there are many names for a simple financial service.

More information about the service - in our FAQ

A turnover boost – no need to wait for deferred payments.

Quickly finance the supply of raw materials for the next production cycle.

Instant coverage of urgent business needs – taxes, debts, salaries.

Suitable when you have a new buyer and need payment insurance.

Funding when the bank can't support you (or you're over the limits).

No financials or collateral needed.

Almost any company

More About Applicants

Explained by:

Celine Hartmanshenn

Chief Credit Officer

Stenn finances invoices that are later paid by the buyer, so we need establish the buyer’s credit worthiness to set a funding limit. The supplier can increase that funding limit by providing us with more information about its buyer.

A Supplier company must be a legal entity that’s been in operation for at least 12 months.

It must sell consumer or professional goods (apparel, electronics, automotive parts, etc.) or provide a service such as software development or consulting.

The Supplier’s Buyer must be based in a different country. Stenn only finances
international trade.

The Supplier’s Buyer cannot be: in arrears, insolvent, in court, or a company affiliated to the Supplier.

Six benefits of Stenn financing

You as an importer...

Buy goods now and pay later.

Get better prices for better
trading terms.

Enjoy longer payment terms,
up to 120 days.

Onboard new suppliers on your
own terms.

Optimize your cash flow, reducing the number of operations.

Your supplier...

Receives 100% invoice payment*

Gets credit protection.

*in two tranches and less any fees

Fees starting from 0.7% per invoice

Sum of invoice:$150 000

Payment terms:30 days

We finance:

$0*

Cost per invoice:

%($0)*

*NB. Stenn’s fees depend on the amount of finance requested, payment terms, etc. The figures in this calculator based on 7.9% per annum plus the 3-Month Term SOFR rate are for illustrative purposes and do not constitute an offer. Actual funding limits will be set only after invoices are submitted and due diligence carried out.
*Read more in our

News and Updates