An alternative to factoring for SMEs: invoice financing - direct through bexio!

With bexio you can generate, send and finance invoices with just a few clicks - all in one program. Try bexio for 30 days, free and with no obligations:

What is factoring? What is the difference between factoring and invoice financing? We answer the most important questions. With bexio and our partner Advanon, you can pre-finance your invoices simply and easily:

Invoice financing within 24 h

Pre-finance invoices directly through bexio with our partner Advanon - fast, easy and in as little as 24 hours.

Your company under your control

The smart alternative to factoring! You decide how many and which invoices you want to pre-finance, and you remain responsible for communicating with your customer.

All in one program

Generate and send invoices, pre-finance them with Advanon, and post them - all in one program! bexio, the cloud-based business software, gives you control over your order management as well as account management and bookkeeping.

You decide the terms

Investors pay your invoices in Advanon. You decide how much time you need and the interest rate you want to pay (invoices can normally be pre-financed from as little as 1%!).

We'll pay your Advanon fee for your first invoice!

Try bexio for 30 days, free and with no obligations:

Invoice pre-financing gives you more room to grow

Pay wages and invoices on time, accept bigger offers and grow more quickly - for startups and SMEs that have to wait a long time for invoices to be settled, doing it all can soon become a challenge.

Pre-financing your invoices is an extremely simple way to obtain quick, cheap financing.

This is how pre-financing with Advanon in bexio works.

Invoice pre-financing in 5 steps

Why bexio?

FAQs: information about factoring and pre-financing

What is factoring?

Factoring helps companies increase their liquidity short-term. In factoring, outstanding receivables (e.g. from services provided or goods delivered) are sold to a factoring company (e.g. a bank). Your invoices are promptly paid by the factoring company. It helps you avoid cash-flow problems caused by late payments or long waiting times.

What is the difference between factoring and invoice pre-financing?

The fundamental differences between conventional factoring and pre-financing with Advanon are:

  • The number of invoices to be pre-financed: with invoice pre-financing from Advanon you can choose how many and which invoices to pre-finance. In contrast, many factoring companies demand a long-term deal where all your invoices are pre-financed.
  • Costs: with Advanon you decide the terms yourself. You can choose the duration and interest rate, and Advanon investors decide whether they want to pre-finance your invoice. The costs are transparent and there are no hidden fees.
  • Control: with Advanon, you are still responsible for your customers and you have full control over the invoicing process. In contrast, other factoring companies take control of customer communications like payment reminders.
  • Approval process: Advanon's approval process normally only takes 1 or 2 days. Many factoring companies require several weeks to process your request.

Curious? Generate your invoices with bexio and finance them with just a few clicks: Try bexio now for 30 days, free and with no obligations .

Who is factoring or invoice pre-financing suitable for?

Both factoring and invoice pre-financing with Advanon through bexio are particularly suitable for small and medium-sized companies that often experience cash-flow problems because they have to wait a long time for their invoices to be settled.

How do I set up Advanon in bexio?

Setting up in bexio is simple and easy. After you have opened your bexio account, simply register at, answer 4 brief questions - and that's it! The approval process normally takes just 1-2 days.

What are the prerequisites for pre-financing my invoices?

You can find out more about approval requirements in our support section.

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