Sales invoices turned into cash on the day you send them
Take on a large order or hire more people without wondering whether your cash will last until payday. Draw financing against an invoice immediately, or whenever you need the money. The financing works inside the invoicing software you already use. Your sales invoices serve as the collateral, not your company’s assets.
In partnership with:
Getting started is easy
1 APPLY FOR FINANCING OR CONTACT A NOJA SPECIALIST
Completing the application takes less than five minutes, with no obligation.
Alternatively, you can contact us directly and we will tailor the best possible financing solution for you. The price of the financing is set company by company and depends on the advance rate and the average cash cycle.
2 CREDIT DECISION WITHIN 24 HOURS
We go through the financing terms with you, set the credit limits and make sure the solution fits your company’s needs.
3 JUST CREATE THE INVOICES, WE HANDLE THE REST
We connect the financing to your invoicing software and handle the transfer of the invoicing data. You create the invoices as before, and we forward them to your customers.
4 DRAW FINANCING AS YOU NEED IT
Your invoices run through us, but you draw only as much financing as you need. The money is transferred to your account according to the agreed advance rate.
5 PAYMENT MONITORING AND DEBT COLLECTION
We take care of payment monitoring throughout the life cycle of the invoice.
- → Financing flexes with your company’s situation
- → Automatic accounting entries in Procountor and Netvisor
- → You pay only for the invoices you finance
- → Matters are handled with your own account manager, not a chatbot
How does the financing work in practice?
Creating the invoices
The company creates the invoice in its own invoicing software, from which the invoice data is transmitted to Noja Rahoitus. By default all invoices travel the same route, so there are no two parallel ledgers and no monthly reconciliation exercise.
Sending the invoices and financing
We take care of sending the invoice to your customer. We finance the agreed share of the invoice as soon as it is created and remit the money to your company.
Alternatively, you can apply for financing on invoices you have already sent, as your needs require, before the due date.
Payment monitoring
Once the invoice has been sent, we take care of payment monitoring throughout the life cycle of the invoice. Payment monitoring is carried out by our partners Visma Amili and Intrum.
Remitting the payments
When your customer pays the invoice, we remit the remaining funds to your company.
Sending payment reminders
If an invoice is not paid, we take care of sending the payment reminders on your behalf.
Debt collection measures
If the payment reminders go unanswered, we start debt collection measures where necessary. You can suspend the measures at any time if you wish.
“You can recognise the people of Noja by the fact that we do what we agree, and then some. We know our work inside out, we look you in the eye and we keep our promises. What we say is always easy to understand.”
Topi Kanervisto
Business Director