Get money today! Don’t wait 30, 60, or 90 days.

Upload and sell your invoice right now to receive early payment for the work you have already completed. Grow your company faster.

Invoice amount


CHF 15.000

Money today


CHF 14.950

CHF 1000

CHF 500’000

Sign up

Upload invoice

Get money


Maximum funding amounts and invoice ratings can vary due to a company’s and/or debtor’s current financial state. An accurate assessment of the invoice risk rating is given only once one is uploaded.

Advantages for SMEs

  • Liquidity within 24h *
  • Up to 99% of invoice amount
  • Easy and fully online
  • Low fees

Here’s why you should use Hiveterminal

Fast access to liquidity

Don't wait 30, 60, or even 90 days for your invoices to get paid if you can get money into your account immediately. Get liquidity today.

Up to 99% of invoice amount

Receive up to 99% of your invoice amount immediately. You will receive an accurate assessment when your invoice is uploaded to the platform.

Easy process; 100% online

Sell your invoices whenever it is convenient for you. The Hiveterminal platform is available to you and your company around the clock.

Transparent fee structure

We charge invoice sellers a subscription fee while invoice buyers pay a commission.

Hiveterminal vs. traditional factoring

The fastest way to get liquidity

In practice, this means that you immediately receive money that you would normally have to wait 30, 60, and even 90 days for.



  • Real Factoring
  • Financing without borrowing
  • Takes minutes
  • Fully online
  • No hidden costs


  • Typically a line of credit
  • Company debt.
  • Lengthy process.
  • Branch visit necessary.
  • High hidden costs.

Convincing growing numbers


Companies registered

CHF 3'800.-

Average amount

1.5+ Mio.

invoice volume settled

How it works

Sign up

Sign up and follow the simple and quick online user verification process.

Upload invoice

Upload a PDF of an invoice to the platform and provide related info.

Get money

Once your invoice is funded, you will have immediate access to the money.

You can use our service for all your invoices. To reduce your efforts, our IT integration team is capable of automating the invoice uploading process for you - directly from your Accounting / Billing system. Get in touch with us.

Frequently asked questions (FAQ)

1. When will the money be transferred to my bank account?

As soon as an invoice gets funded on the platform, you will see the available funds in your user account. These funds will be automatically disbursed to your bank account within 24 hours on working days.

2. Can I sell invoices on the Hiveterminal platform on a regular basis?

Yes, you can sell invoices on the Hiveterminal platform as seldom or as often as you like and will not pay any additional fees. The only fee you will pay is for your yearly subscription regardless of how many invoices you decide to sell. To help you sell your invoices more efficiently, our IT integration team can automate the process for you. We can help you integrate the platform with your accounting or billing system. Get in touch with us.

3. Who assumes the risk of default?

Your invoice (accounts receivable) is sold on the platform under a non-recourse factoring scheme, which means the invoice buyer assumes the risk of default.

4. Will I receive the full invoice amount?

There is no retention amount beside the discount, which is deducted at the time of sale. Once the invoice is sold, you will receive the full invoice sale amount on your bank account.

5. Will my customer get notified?

Yes. We require that all invoice debtors confirm the validity of the invoice, but you will control which debtors’ invoices you will upload and they will only be notified for the invoices of services they have ordered. We offer silent factoring under certain conditions (depending on company size, collateral, etc.). You are welcome to contact us about this.

6. How high are the commission and fees?

As an invoice seller, you can receive up to 99% (minus 1% discount) of the invoice amount at the time of the invoice sale, depending on the credit risk of the invoice. For the use of the platform we charge an annual usage fee of CHF 250. This way you can sell as many invoices as you want - free of charge.

Still have a question?

If you can’t find an answer to your question in our FAQs, you can always contact us. We will answer you shortly.

Get in touch

Give us a call

If you have additional questions, please do not hesitate to call us. Mon. - Fri. 8 am - 5 pm

+41 41 511 76 60

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