Money today! Instead of in 30, 60 or 90 days*

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

Invoice amount

(Sell)

CHF 15.000

Money today

(Receive*)

CHF 14.950

CHF 1000

CHF 500’000

Sign Up

Upload invoice

Get money

*

The rating your invoice receives and maximum funding amount can vary due to your company’s and your debtor’s current financial state. You will be able to receive an accurate assessment of the invoice risk rating when your invoice is uploaded. Once you are registered, you typically get your money within 24h.

Advantages for SMEs

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

Why 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

We believe in being able to sell your invoices whenever it’s convenient for you. The HiveTerminal platform is available to you and your company, 24/7.

Transparent fee structure

We have a simple and transparent fee structure. We charge a subscription fee from invoice sellers and a commission from the invoice buyer.

HiveTerminal vs. traditional factoring

Use the fastest way to get liquidity

Factoring, or sales of receivables, allows you to receive fresh money without borrowing. In practice, this means that you receive money that you would normally have to wait 30, 60, and even 90 days for, immediately.

Hiveterminal

(Factoring)

  • Real Factoring
  • Financing without borrowing
  • Process completed in minutes
  • Processed over the internet
  • No hidden costs
Bank

(Credit)

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

Convincing growing numbers

4000+

Companies registered

300+

Invoice buyers

1.5+ Mio.

invoice volume settled

How it works

Sign up

Sign up and pass an online user verification - simply and quick

Upload invoice

Provide invoice data and upload the invoice PDF to the platform

Get money

Once your invoice is funded, the money is available immediately to you

Factoring explained to invoice sellers

  1. 1. You (A) deliver the services or goods and the invoice to your customer (debtor) (B)
  2. 2. You upload the invoice to HiveTerminal and agree to the discount (based on the debtor’s current financial state, commission fee included).
  3. 3. Your debtor confirms the invoice incl. HiveTerminal as the new beneficiary of the payment **
  4. 4. You get the invoice amount, minus discount, on your bank account.
  5. 5. On the due date, the debtor’s payment (full invoice amount) is made to HiveTerminal, and we are forwarding the amount to the invoice buyer (C), immediately.

Since HiveTerminal acts as a platform provider and middle person, the invoice buyer won't be exposed to your debtor.

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.

** HiveTerminal forwards the accounts receivable incl. the payment to the invoice buyer. We are offering silent factoring under certain conditions (depending on company size, collateral, etc.). You are welcome to contact us about this.

Frequently Asked Questions (FAQ)

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

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

2. Can I continuously sell invoices on the Hiveterminal platform?

Yes, you can sell invoices on the Hiveterminal platform as seldom or as often as you like and you are not paying additional fees (beside your yearly subscription) on the platform, no matter how many invoices you decide on selling. 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.

3. Who assumes the default risk?

Your invoice (accounts receivables) is sold on the platform based on the so-called non-recourse factoring, which means the invoice buyer is assuming the default risk.

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 all invoice debtors to 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 are offering 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 not find the answer to your question in our FAQ, 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. Mo-Fr 8-17

+41 41 511 76 60

Write to us

Have a question or jus want to say hi? Drop us a message.

Write a message