Change language:
Freight containers


  • Funding without additional collateral 
  • Turn your invoices into an immediate cash flow
  • Secure your business by reducing debtor risk
  • Supply chain financing to finance your purchases


Up to

12 months

Agreement term

Up to

120 days

Deferred payment for buyers

Up to


Immediate payment of the invoiced amount (advance rate)

Factoring for your business needs

Regular factoring for customer (seller)

  • Additional working capital
  • Domestic and international debtor risk management

Supply chain financing for customer (buyer)

  • Early payment of supplier issued invoices
  • More flexibility for discounts and payment terms in trade contracts 

Two factor scheme (participation of seller and buyer banks)

  • Export factoring – our customer (seller) sells abroad, foreign bank undertakes debtor risk, we finance our customer
  • Import factoring – our customer (buyer) buys from foreign supplier, we undertake our customer‘s risk, foreign bank finances 

How does factoring work?

  • Seller issues the invoice and sends the copy to SEB.
  • SEB usually pays the advance part of the invoice to your current account on the same day.
  • The buyer pays the invoice to SEB at due date.
  • SEB pays to the seller the difference in the advance part and the amount received from the buyer.

VAT should be added to the factoring fees.

Service Charge
Limit administration fee 0,6 per cent of the factoring limit (min EUR 500)
Funding fee (annual interest) as agreed
Invoice acceptance fee as agreed (min EUR 3)
Amendment of the factoring agreement terms min EUR 100
Annual risk assessment of a new debtor (not insured by insurance company) EUR 15
Annual risk assessment of a debtor for insurance purposes (legal entity registered in the Baltic states) EUR 45
Annual risk assessment of a debtor for insurance purposes (legal entity registered in a foreign country other than the Baltic states) EUR 75
Generating non-standard factoring report EUR 30
Assignment of receivables contract fee min EUR 300

Additional info

Factoring application

Required documents

  • Filled in factoring application
  • Financial reporting documents 
  • Copies of trade agreements with debtors

Simple to apply

Register for consultation or contact your client Executive and we will advise you

Send the filled application and required documents to

After a positive decision, sign the agreement

Other financing solutions for your purchases and trade


Flexible option for using extra cash, offering the possibility to have a negative balance on company’s account for financing working capital.

Trade financing

Financing and managing the risks of your company’s trades

Working capital loan

To cover temporary shortage of working capital or expenses.

Need advice on financing?

  • Our client executives will help you find the suitable financing solution for your business.
  • We have a dedicated team of professionals you can trust.