Pay suppliers before receiving funds
Supplier invoices can become due before goods are delivered, sold or paid for by your customers. The gap in timing can put pressure on cash flow, especially for large orders or in periods of rapid growth.
Supplier-payment finance, also known as reverse factoring, helps eligible businesses pay suppliers on time while keeping cash available for day-to-day operations. A lending partner pays the supplier, and you repay later, subject to credit approval.
Pay suppliers before receiving funds
Supplier invoices can become due before goods are delivered, sold or paid for by your customers. The gap in timing can put pressure on cash flow, especially for large orders or in periods of rapid growth.
Supplier-payment finance, also known as reverse factoring, helps eligible businesses pay suppliers on time while keeping cash available for day-to-day operations. A lending partner pays the supplier, and you repay later, subject to credit approval.
Pay suppliers before receiving funds
Supplier invoices can become due before goods are delivered, sold or paid for by your customers. The gap in timing can put pressure on cash flow, especially for large orders or in periods of rapid growth.
Supplier-payment finance, also known as reverse factoring, helps eligible businesses pay suppliers on time while keeping cash available for day-to-day operations. A lending partner pays the supplier, and you repay later, subject to credit approval.
Credit approved
Supplier paid in their required currency
Working capital remains available
Goods or services generate revenue
Repay in your currency up to 150 days later
Goods or services generate revenue
Working capital remains available
How supplier financing works
New request
New request
Your invoice will be reviewed shortly.
Your invoice will be reviewed shortly.
1.
Submit an eligible supplier invoice
Send us the invoice you would like to finance, subject to eligibility and credit approval.
Invoice paid
Invoice paid
Your repayment for CHF 23'277.24 is due in 150 days.
Your repayment for CHF 23'277.24 is due in 150 days.
2.
Your supplier is paid directly
The approved supplier invoice is paid in their required currency, helping you meet payment deadlines without using cash needed for other business commitments.
Payment received
Payment received
Thank you for your repayment.
Thank you for your repayment.
3.
Repay later in your domestic currency
Repay the financed amount in your domestic currency, with repayment terms of up to 150 days. This gives your business more time to generate revenue before the repayment is due.
*Final amounts, interest amount, repayment periods and terms remain subject to credit assessment.
Keep cash available as your business grows
Protect working capital
Meet supplier payment deadlines while keeping cash available for business essentials like payroll, operating costs and other day-to-day needs.
Protect working capital
Meet supplier payment deadlines while keeping cash available for business essentials like payroll, operating costs and other day-to-day needs.
Protect working capital
Meet supplier payment deadlines while keeping cash available for business essentials like payroll, operating costs and other day-to-day needs.
Support business growth
Finance larger orders and periods of expansion without having to compromise other business priorities or put excessive pressure on available cash.
Support business growth
Finance larger orders and periods of expansion without having to compromise other business priorities or put excessive pressure on available cash.
Support business growth
Finance larger orders and periods of expansion without having to compromise other business priorities or put excessive pressure on available cash.
Strengthen supplier relationships
Pay suppliers on time and in their required currency, which can help to build trust and support stronger commercial relationships.
Strengthen supplier relationships
Pay suppliers on time and in their required currency, which can help to build trust and support stronger commercial relationships.
Strengthen supplier relationships
Pay suppliers on time and in their required currency, which can help to build trust and support stronger commercial relationships.
Is your business eligible?
We offer eligible clients a supplier-payment credit line, subject to the following eligibility criteria:
CHF 1M+
annual operating revenue
CHF 100'000
Minimum tangible
net worth
2 years
Minimum trading history
Meeting these criteria does not guarantee approval. Final eligibility, credit limits, repayment terms and pricing are subject to credit assessment and may vary depending on the business and transaction. Individual suppliers and invoices may also be subject to approval.
Frequently Asked Questions
Find answers to common questions about supplier financing below. For additional information, including how to request supplier payment credit, visit our Help Center.
What is the maximum amount I can finance?
Credit lines typically range from CHF 50'000 to CHF 5 million, subject to credit assessment and availability. Your final credit limit is determined based on your business and agreed financing terms.
What is the maximum amount I can finance?
Credit lines typically range from CHF 50'000 to CHF 5 million, subject to credit assessment and availability. Your final credit limit is determined based on your business and agreed financing terms.
Do I have to use the full credit line?
Getting started is simple. Fill out our contact form and our team will get in touch to understand your needs and explain how SwissFx works.
Do I have to use the full credit line?
You can choose how much of your available credit to use and which eligible supplier invoices to finance. Interest is charged only on the amount you use.
What interest rate will I pay?
Getting started is simple. Fill out our contact form and our team will get in touch to understand your needs and explain how SwissFx works.
What interest rate will I pay?
The interest rate depends on your credit assessment and financing terms. It is calculated daily on the amount you use, subject to a minimum 30-day period.
How is the exchange rate determined?
Getting started is simple. Fill out our contact form and our team will get in touch to understand your needs and explain how SwissFx works.
How is the exchange rate determined?
Your supplier can be paid in their required currency while you repay in your domestic currency. The applicable exchange rate is agreed in advance and included in your financing terms, giving you visibility over the amount you will need to repay.
Do I need to provide security or guarantee?
Getting started is simple. Fill out our contact form and our team will get in touch to understand your needs and explain how SwissFx works.
Do I need to provide security or guarantee?
Financing is generally provided without taking ownership of your goods or security against your business. In some cases, a personal or cross-company guarantee may be required, depending on the credit assessment.
Ready to manage your supplier payments with more flexibility?
Explore how SwissFx business lending can support your overseas payments while giving you more time to repay.
Contact our team to discuss your financing needs and eligibility.
Ready to manage your supplier payments with more flexibility?
Explore how SwissFx business lending can support your overseas payments while giving you more time to repay.
Contact our team to discuss your financing needs and eligibility.
Ready to manage your supplier payments with more flexibility?
Explore how SwissFx business lending can support your overseas payments while giving you more time to repay.
Contact our team to discuss your financing needs and eligibility.
Explore other solutions
Send and receive funds in more than 140 currencies from a single account.
Send and receive funds in more than 140 currencies from a single account.
Send and receive funds through local payment rails in 30+ currencies
Send and receive funds through local payment rails in 30+ currencies
Lock-in exchange rates for future use
Lock-in exchange rates for future use
Lock-in exchange rates for future use
© SwissFx Sàrl 2026.
All Rights Reserved.
SwissFx Sarl, c/o FBK Conseils,
Rue Pépinet 3, 1003 Lausanne
Follow us on Social Media
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SwissFx Sàrl is a member of the Financial Services Standards Association (VQF - Verein zu Qualitätssicherung von Finanzdienstleistungen) (www.vqf.ch). VQF is the largest official self-regulatory organisation (SRO) under Swiss law for combatting money laundering and terrorist financing.
© SwissFx Sàrl 2026.
All Rights Reserved.
SwissFx Sarl, c/o FBK Conseils,
Rue Pépinet 3, 1003 Lausanne
Follow us on Social Media
SwissFx Sàrl is a member of the Financial Services Standards Association (VQF - Verein zu Qualitätssicherung von Finanzdienstleistungen) (www.vqf.ch). VQF is the largest official self-regulatory organisation (SRO) under Swiss law for combatting money laundering and terrorist financing.
© SwissFx Sàrl 2026.
All Rights Reserved.
SwissFx Sarl, c/o FBK Conseils,
Rue Pépinet 3, 1003 Lausanne
Follow us on Social Media
SwissFx Sàrl is a member of the Financial Services Standards Association (VQF - Verein zu Qualitätssicherung von Finanzdienstleistungen) (www.vqf.ch). VQF is the largest official self-regulatory organisation (SRO) under Swiss law for combatting money laundering and terrorist financing.