Factoring Switzerland

Instant Liquidity

Factoring for Swiss SMEs

Receive your money within 24 hours instead of after 30, 60, or 90 days. Digital, secure, and transparent.

What is Factoring?

Factoring means: You sell your open invoices to MantaFlow and receive your money immediately.
We verify the invoice, pay out up to 100% of the invoice amount, and – depending on the variant – assume the default risk and debtor management.
This keeps your cash flow predictable, regardless of when your customers pay.

Your Benefits

Instant Liquidity: Payout on the same day, within 24 hours at the latest.
Default Protection: Your claims are fully insured against payment default.
Predictable Cash Flow: You always know when your money will arrive.
100% Digital: No paperwork, seamlessly integrated into your processes.
Swiss Quality: Headquartered in Zug, Swiss law, clear processes.
Transparency: No hidden fees, no minimum volumes, no commitment.

How does Factoring work at MantaFlow?

01

Upload InvoicesUpload your invoices directly in the customer portal or have them transferred automatically via an interface from your accounting system.

02

Review and Instant ApprovalWithin a few hours, you will receive instant approval and see your available liquidity in the customer portal – transparent and traceable.

03

Payout to Your AccountAfter approval, the amount is transferred directly to your account – usually on the same business day, within 24 hours at the latest.

04

Stay Worry-FreeMantaFlow monitors all incoming payments and manages debt collection. With true factoring, we fully assume the default risk.

Which companies is factoring suitable for?

SMEs with long payment terms (30–90 days)
Growth companies with liquidity needs
Sectors such as trade, industry, services, staffing, and logistics
Companies that value independence from banks

Factoring Variants

Individual factoring solutions – adaptable to your industry and your individual situation.

True Factoring

MantaFlow assumes the debtor risk. Your liquidity remains secured – regardless of your customers’ payment behavior.

Recourse Factoring

The payment default risk remains with you. You benefit from immediate payout, but you are liable if a debtor does not pay.

Open Factoring

Your customer is informed about the sale of the claim. This variant is standard, transparent, and simplifies processing.

Confidential Factoring

Your customer is not informed about the sale. Ideal for sensitive customer relationships or industries where discretion is important.
During the factoring onboarding process, you can choose the variant that best suits your situation and the creditworthiness of your debtors.

Secure liquidity now

Get predictable liquidity – whenever you need it.

What Our Customers Say

T.S. CFO, Staffing, Basel

Your solution is very flexible and fast. This allows us to settle our expenses on time and secure purchasing advantages.
Terms and Fees
All terms and conditions and fees can be found at: