Liquid investments. High yields. Known risk.
Up to a 5% average projected return in 45 days*. Invest in verified invoices of local and foreign companies!
Invest
CHF 15.000
Expected return*
CHF 14.950
CHF 1000
CHF 500’000
The rating an invoice receives and the discounts applied can vary due to the seller’s and related debtor’s current financial state. Projections are made based on historical figures. The actual expected return depends on the composition of your portfolio.1
Advantages for invoice buyers
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High yields
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Liquid investments
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Easy and fully online
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Low fees
Why invest on Hiveterminal?
High yields
Up to a 5% average projected return in 45 days*; with Hiveterminal, you can adjust your portfolio and expected returns by investing in SME invoices of your choice.
Liquid investments
Invoices are a highly liquid asset class that ties funds up for only up to 90 days. The average duration invoices are typically paid back by debtors amounts to 45 days*.
You understand the risk
Hiveterminal offers you a transparent level of investment risk based on real data from trusted global financial institutions like Dun & Bradstreet and Creditreform.
Full control over investments
You invest only in those invoices you choose to buy and earn. With Hiveterminal, you have complete control over your investments!
Cutting-edge tech solution
Due to our platform’s complete safety, flawless operation, and ease of use, you can fully focus on your investments - transparently and safely.
Growth in numbers
4000+
Companies registered
300+
Invoice buyers
1.5+ Mio.
Invoice volume settled
How it works
Invoice scoring
Hiveterminal Invoice Scoring Algorithm© rates invoices based on real data from trusted global financial institutions like Dun & Bradstreet and Creditreform.
Marketplace
Invoices published on the Hiveterminal marketplace can be searched by criteria including invoice amount, industry, and rating class, helping you diversify your portfolio.
Invest and get ROI
Buy the invoices you want and build your portfolio to get expected returns. Your capital is usually tied up for about 45 days.
Private blockchain
We use a private blockchain to map the invoice purchase as a smart contract - an immutable and decentralized invoice confirmation.
Rating categories
Hiveterminal rating
Category
Rating
Availability
High grade
AAA
AA+
AA
AA-
Available
Medium grade
A+
A
A-
Available
Lower-medium grade
BBB+
BBB
BBB-
Available
Speculative grade
BB+
BB
BB-
Available
Highly speculative
B+
B
B-
Not offered on HiveTerminal
Substantial risk of default
CCC+
CCC
CCC-
Not offered on HiveTerminal
Default with little recovery
CC
D
Not offered on HiveTerminal
Frequently Asked Questions (FAQ)
1. Who can become an invoice buyer?
Currently, HiveTerminal is available for use by persons of legal age who are resident in Switzerland or the Principality of Liechtenstein. For persons residing outside of these countries, a Swiss bank account is required.
2. Is there a minimum investment cap?
No, there is not. You can buy invoices for as low as EUR/CHF 100 or as much as several tens of thousands of EUR/CHF.
3. Who bears the default risk?
In so-called non-recourse factoring, the invoice buyer bears the default risk of the invoice (receivable). The actual return to be expected depends on the composition of your portfolio1.
4. Do debtors confirm the validity of the invoices?
In open factoring, the debtor confirms the invoice to be sold. In silent factoring, there is no confirmation by the debtor, but in this case, HiveTerminal sets stricter acceptance criteria for invoice sellers.
5. How high are the commission and fees?
The invoice buyer pays a service fee according to the generally valid fee table on your Cockpit (Login > Market > Fees), which ranges from 0.45% to 1.50% depending on the invoice amount.
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. Mon. - Fri. 8 am - 5 pm
+41 41 511 76 60