Invoice Financing

Balance the unbalanced

Continue operating smoothly while waiting for an expected invoice payment.

  • Finance up to 90% of the invoice amount
  • No additional collateral necessary
  • Simple pricing – 1% of the financed amount per month
  • Set up financing via Internet Banking

Invoice financing service provided by “Swedbank lizingas”, UAB.

General financing conditions

Total amount of invoices* from 1.000 EUR up to 100.000 EUR
Right of recourse with recourse (the seller is responsible for the buyer‘s solvency)
Advance rate** 90% of the invoice amount with VAT
Payment term up to 90 days
Interest fee 1% per month (12% yearly) from the paid advance amount
  • Total amount of invoices of maximum 100.000 EUR is available if the documents are signed with mobile signature or e-signature with personal identity card;
  • Total amount of invoices of maximum 10.000 EUR is available if the documents are signed with a PIN code generator;
  • The documents can be signed only by the head of the company.

** When reverse VAT payment scheme is applied and the buyer is obliged to pay the VAT to the taxes administrator, the financed amount of the invoice is decreased by VAT amount and the advance payment is calculated from the invoice amount without VAT.

Your invoice is most likely to get financed if the following conditions are met

  • The buyer and the seller are stable working entities registered in Lithuania;
  • The buyer had no significant payment delays during past calendar year;
  • The buyer and the seller are not related enterprises;
  • The seller is not operating in construction sector;
  • The sales to the buyer whose invoices are financed do not exceed 50% of the seller‘s total sales;
  • The right of monetary claim according to the invoice is not restricted (pledged, etc) in any way and the right of its transferring to third parties is not restrained;
  • Currently there are no disputes and/or counterclaims between the buyer and the seller or other reasons which enable the buyer to decrease the payable amount under the invoice (-s);
  • The goods are already sold or services are already provided according to the invoice;
  • The payment term under the invoices is clearly defined as the specific date and does not depend on any events, for example on the resale of the goods by the buyer.

Information about potential risks

If the buyer fails to pay under the transferred claim, the seller is obliged to discharge such liability in full (in case of factoring with the right of recourse) or in part. Please read the terms and conditions of a factoring agreement carefully: the seller‘s liability to pay to the factoring company arises also in other cases stipulated in the agreement (e. g. breach of the duty to inform; disputes with the buyer over goods supplied or services provided). Improper fulfilment of financial obligations increase your financing costs and can have a negative impact on your credit history; if the agreement is terminated due to a material breach on your part, forced recovery of the debt may be initiated.


If you have any questions or comments please contact us: