Conditions and Fees

Factoring should create liquidity – not hide costs. With MantaFlow, you know what to expect from the start.

Factoring Plans

MantaFlow offers flexible models that adapt to your business development.

Efficiency

39.-
CHF per month
(billed annually)
6 debtors included
Pre-financing
Open Factoring
With default protection
Confidential Factoring

Scale

69.-
CHF per month
(billed annually)
16 debtors included
Pre-financing
Open Factoring
With default protection
Confidential Factoring

Flow

99.-
CHF per month
(billed annually)
25 debtors included
Pre-financing
Open Factoring
With default protection
Confidential Factoring
The risk-based factoring premium is applied to the processed factoring volume (see details below).

Secure liquidity now

Get predictable liquidity – whenever you need it.

Contract Conditions – clear and fair

Our contract conditions are deliberately kept simple: clearly understandable, flexible, and without hidden clauses.
You decide if and for how long you want to use factoring – we ensure transparent processes and fair framework conditions.

Risk-dependent factoring premium: from 0.85% of the financed receivables volume

The risk-dependent factoring premium depends on various factors, such as

  • Debtor’s creditworthiness
  • Invoice amount
  • Payment term (varies whether 30, 60, or 90 days)
  • Whether Open/Confidential Factoring and whether with/without assumption of default risk

Contract term: 6 months in the first year, then 12 months.

In the first year, you have the right to cancel after 6 months if you are not satisfied. Already paid annual fees will be refunded pro rata in this case. Generally, the contract is renewed annually.

Notice period: The contract can be terminated at the end of the term of each subscription with a notice period of 3 months.

Billing: The annual fee is offset against the transaction volume or invoiced no later than one month after conclusion.

Registration fee: CHF 99, which will be credited back to your account after successful review of the application.

Additional debtors: Fees of CHF 45 per debtor per year.

MantaFlow operates exclusively under Swiss law with its registered office in Zug.
All contract documents can be digitally signed and are stored in an audit-proof manner.

What makes MantaFlow different regarding fees and conditions?

No minimum fees
You only pay when you sell invoices. No minimum fees or inactivity costs.
No minimum volume
You decide when and how often you use factoring – completely without volume obligation.
No setup costs
Usage is possible immediately – without setup fees.
More affordable than many providers
Our digital structure reduces fixed costs – we pass this efficiency directly on to you.
Early termination possible
Our contracts remain flexible. You can end the cooperation at any time without effort.
Debtors freely selectable
Choose which customers and invoices you submit – no obligation to include the entire portfolio.
MantaFlow Finance offers one of the most flexible factoring solutions in the Swiss market – individually adaptable to the needs of SMEs.