[{"data":1,"prerenderedAt":785},["ShallowReactive",2],{"sv\u002Fartiklar\u002Ffactoring-nyckeltal-bokslut\u002F::{\"resolve_links\":\"url\",\"resolve_relations\":[\"StoryblokArticleAuthor.author\",\"StoryblokRelatedContent.entries\",\"StoryblokGlobalBlock.content\"],\"version\":\"published\"}":3},{"data":4,"headers":763},{"story":5,"cv":620,"rels":621,"links":761},{"name":6,"created_at":7,"published_at":8,"updated_at":9,"id":10,"uuid":11,"content":12,"slug":611,"full_slug":612,"sort_by_date":40,"position":613,"tag_list":614,"is_startpage":32,"parent_id":616,"meta_data":40,"group_id":617,"first_published_at":618,"release_id":40,"lang":325,"path":40,"alternates":619,"default_full_slug":40,"translated_slugs":40},"Hur påverkar factoring och fakturaköp nyckeltalen i bokslutet?","2026-05-26T14:04:55.818Z","2026-10-06T08:41:26.850Z","2026-10-06T10:46:56.105Z",180693794098182,"ac20b347-9e60-47ef-a910-281c31a94383",{"seo":13,"_uid":33,"hero":34,"page":53,"text":57,"content":328,"component":610},[14,18,22],{"_uid":15,"component":16,"description":17},"3f148241-5fdc-482a-85ba-45d8df6e52f5","seoDescription","Fakturaköp kan sänka DSO, minska kundfordringarna och stärka soliditeten i bokslutet. Se räkneexemplet och vad som skiljer fakturaköp från belåning.",{"_uid":19,"title":20,"component":21},"4a18c749-c551-4929-b2d6-2a58f4a4fe72","Hur påverkar factoring nyckeltalen i bokslutet?","seoTitle",{"_uid":23,"component":24,"featuredImage":25},"d34f5f65-74f1-4b7f-b36b-ae4851465a4b","seoFeaturedImage",{"id":26,"alt":27,"name":28,"focus":28,"title":28,"source":28,"filename":29,"copyright":28,"fieldtype":30,"meta_data":31,"is_external_url":32},180246865328312,"Kvinna med rött lockigt hår arbetar vid en laptop. Ljusa kontorsmiljöer med glasväggar och en person i bakgrunden.","","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F291285290306808\u002F2048x1365\u002F2cce5cbb29\u002Fgettyimages-1487036397.jpg","asset",{"alt":27,"title":28,"source":28,"copyright":28},false,"ba982de1-b28a-471a-9204-7fb8a202558b",[35],{"_uid":36,"lead":37,"image":49,"component":51,"teaserLabel":52},"f45bf378-2af8-46c2-a321-8b757eec3af1",{"type":38,"attrs":39,"content":41},"doc",{"backgroundColor":40},null,[42],{"type":43,"attrs":44,"content":45},"paragraph",{"textAlign":40},[46],{"text":47,"type":48},"Fakturaköp kan sänka DSO, minska kundfordringarna och stärka både soliditet och kassalikviditet i bokslutet. Effekten blir störst när du säljer fakturorna utan regress och använder pengarna till att betala av kortfristiga skulder. Här får du ett räkneexempel och en genomgång av vilka nyckeltal som påverkas.","text",{"id":26,"alt":27,"name":28,"focus":28,"title":28,"source":28,"filename":29,"copyright":28,"fieldtype":30,"meta_data":50,"is_external_url":32},{"alt":27,"title":28,"source":28,"copyright":28},"ArticleHero","Läs mer",[54],{"_uid":55,"title":6,"component":56},"0cacfdc8-7214-46c6-887d-3f08f5bdd75c","StoryblokPageTitle",[58,276],{"_uid":59,"sections":60,"component":275},"f71c6600-6fa4-411d-88c6-2c67f1002c1c",[61],{"_uid":62,"document":63,"component":274},"5dc113c7-ad7e-4b19-bd50-0817d50aa4eb",{"type":38,"attrs":64,"content":65},{"backgroundColor":40},[66,71,76,83,88,118,123,128,133,138,143,148,153,228,230,235,240,245,250,255],{"type":43,"attrs":67,"content":68},{"textAlign":40},[69],{"text":70,"type":48},"I ett större företag kan kundfordringarna uppgå till hundratals miljoner kronor. Det är pengar som du har tjänat in men inte kan använda. De syns i balansräkningen per den 31 december och påverkar hur banker, ägare och kreditupplysningsföretag bedömer företaget.",{"type":43,"attrs":72,"content":73},{"textAlign":40},[74],{"text":75,"type":48},"Samtidigt pågår budgetarbetet inför nästa år. Ju mer kapital som är bundet i fakturor, desto mindre utrymme har du för investeringar och tillväxt. Därför är årsskiftet ett bra tillfälle att se över hur du finansierar dina kundfordringar.",{"type":77,"attrs":78,"content":80},"heading",{"level":79,"textAlign":40},2,[81],{"text":82,"type":48},"Vad är skillnaden mellan fakturaköp och fakturabelåning?",{"type":43,"attrs":84,"content":85},{"textAlign":40},[86],{"text":87,"type":48},"Factoring är ett samlingsnamn för tjänster där du får betalt för dina kundfakturor i förväg. De två vanligaste formerna påverkar bokslutet på olika sätt.",{"type":89,"content":90},"bullet_list",[91,106],{"type":92,"content":93},"list_item",[94],{"type":43,"attrs":95,"content":96},{"textAlign":40},[97,99,104],{"text":98,"type":48},"Vid ",{"text":100,"type":48,"marks":101},"fakturaköp",[102],{"type":103},"bold",{"text":105,"type":48}," säljer du fakturorna. Köper finansieringsbolaget dem utan regress tar det även över kreditrisken, och fordringarna kan då normalt tas bort från balansräkningen.",{"type":92,"content":107},[108],{"type":43,"attrs":109,"content":110},{"textAlign":40},[111,112,116],{"text":98,"type":48},{"text":113,"type":48,"marks":114},"fakturabelåning",[115],{"type":103},{"text":117,"type":48}," lånar du pengar med fakturorna som säkerhet. Fordringarna ligger kvar i balansräkningen och lånet redovisas som en skuld. Du får bättre likviditet, men soliditeten förbättras inte på samma sätt.",{"type":43,"attrs":119,"content":120},{"textAlign":40},[121],{"text":122,"type":48},"Exakt hur det ska redovisas beror på avtalet och på om ditt företag följer K3 eller IFRS. Stäm därför alltid av med din revisor.",{"type":77,"attrs":124,"content":125},{"level":79,"textAlign":40},[126],{"text":127,"type":48},"Räkneexempel: så förändras nyckeltalen",{"type":43,"attrs":129,"content":130},{"textAlign":40},[131],{"text":132,"type":48},"Ett företag omsätter 2 400 miljoner kronor per år och har 400 miljoner kronor i kundfordringar. Före årsskiftet säljer företaget fakturor för 250 miljoner kronor utan regress. Avgiften antas vara 1 procent, alltså 2,5 miljoner kronor. Resten, 247,5 miljoner kronor, används för att betala av checkkrediten.",{"type":43,"attrs":134,"content":135},{"textAlign":40},[136],{"text":137,"type":48},"Efter försäljningen minskar kundfordringarna från 400 till 150 miljoner kronor. DSO, alltså antalet dagar det tar att få betalt, sjunker från 61 till 23 dagar. De kortfristiga skulderna minskar från 400 till 152,5 miljoner kronor.",{"type":43,"attrs":139,"content":140},{"textAlign":40},[141],{"text":142,"type":48},"Eftersom både fordringarna och checkkrediten försvinner ur balansräkningen minskar balansomslutningen från 1 200 till 950 miljoner kronor. Därför stiger soliditeten från 30,0 till 37,6 procent. Kassalikviditeten stiger från 113 till 131 procent.",{"type":43,"attrs":144,"content":145},{"textAlign":40},[146],{"text":147,"type":48},"Om pengarna i stället ligger kvar på kontot blir soliditeten och kassalikviditeten ungefär oförändrade. DSO och kundfordringar förbättras ändå, och du har 247,5 miljoner kronor mer att arbeta med. Exemplet är förenklat och avgiften varierar beroende på kunder och volym.",{"type":77,"attrs":149,"content":150},{"level":79,"textAlign":40},[151],{"text":152,"type":48},"Fem nyckeltal som påverkas",{"type":154,"attrs":155,"content":157},"ordered_list",{"order":156},1,[158,172,186,200,214],{"type":92,"content":159},[160,167],{"type":43,"attrs":161,"content":162},{"textAlign":40},[163],{"text":164,"type":48,"marks":165},"DSO, eller hur länge det tar att få betalt",[166],{"type":103},{"type":43,"attrs":168,"content":169},{"textAlign":40},[170],{"text":171,"type":48},"DSO (Days Sales Outstanding) visar hur många dagar det i snitt tar från faktura till betalning. När du säljer fakturorna får du betalt direkt, och DSO i balansräkningen sjunker. Ett lägre DSO visar att företaget har mindre kapital bundet i sina kunder.",{"type":92,"content":173},[174,181],{"type":43,"attrs":175,"content":176},{"textAlign":40},[177],{"text":178,"type":48,"marks":179},"Kundfordringar och rörelsekapital",[180],{"type":103},{"type":43,"attrs":182,"content":183},{"textAlign":40},[184],{"text":185,"type":48},"Mindre kundfordringar betyder ett lägre rörelsekapitalbehov. Kapitalet kan i stället gå till investeringar, förvärv eller att betala av dyrare lån. Det ger dig mer att arbeta med i budgeten för nästa år.",{"type":92,"content":187},[188,195],{"type":43,"attrs":189,"content":190},{"textAlign":40},[191],{"text":192,"type":48,"marks":193},"Soliditet",[194],{"type":103},{"type":43,"attrs":196,"content":197},{"textAlign":40},[198],{"text":199,"type":48},"Soliditeten visar hur stor del av tillgångarna som finansieras med eget kapital. När fordringarna lämnar balansräkningen och pengarna används för att betala skulder blir balansomslutningen mindre. Det egna kapitalet utgör då en större andel, vilket stärker soliditeten.",{"type":92,"content":201},[202,209],{"type":43,"attrs":203,"content":204},{"textAlign":40},[205],{"text":206,"type":48,"marks":207},"Kassalikviditet",[208],{"type":103},{"type":43,"attrs":210,"content":211},{"textAlign":40},[212],{"text":213,"type":48},"Kassalikviditeten visar om företaget kan betala sina kortfristiga skulder med de mest likvida tillgångarna. När kortfristiga skulder betalas av med pengarna från fakturorna stiger kvoten. Det kan väga tungt när banken granskar årsredovisningen.",{"type":92,"content":215},[216,223],{"type":43,"attrs":217,"content":218},{"textAlign":40},[219],{"text":220,"type":48,"marks":221},"Kreditrisk och osäkra fordringar",[222],{"type":103},{"type":43,"attrs":224,"content":225},{"textAlign":40},[226],{"text":227,"type":48},"Vid fakturaköp utan regress tar finansieringsbolaget över risken att kunden inte betalar. Du behöver då inte reservera för osäkra fordringar på de fakturor du har sålt. Det gör resultatet mer förutsägbart, både i bokslutet och i budgeten.",{"type":43,"attrs":229},{"textAlign":40},{"type":77,"attrs":231,"content":232},{"level":79,"textAlign":40},[233],{"text":234,"type":48},"Ett starkare bokslut och mer utrymme i budgeten",{"type":43,"attrs":236,"content":237},{"textAlign":40},[238],{"text":239,"type":48},"Fakturaköp handlar inte bara om att få betalt snabbare. Det är ett sätt att styra hur balansräkningen ser ut och hur mycket kapital du har att arbeta med. Rätt använt ger det bättre nyckeltal, lägre risk och ett lugnare kassaflöde.",{"type":43,"attrs":241,"content":242},{"textAlign":40},[243],{"text":244,"type":48},"Börjar du redan nu hinner du också få effekt i årets bokslut. Det ger dig bättre förutsättningar att nå målen för nästa år.",{"type":77,"attrs":246,"content":247},{"level":79,"textAlign":40},[248],{"text":249,"type":48},"Vill du se hur fakturaköp skulle påverka era nyckeltal? ",{"type":43,"attrs":251,"content":252},{"textAlign":40},[253],{"text":254,"type":48},"Då berättar vi på PayEx gärna om hur vi kan stötta dig vidare. Kontakta oss så hjälper vi dig.",{"type":43,"attrs":256,"content":257},{"textAlign":40},[258],{"text":259,"type":48,"marks":260},"Läs mer om hur fakturaköp stärker likviditeten",[261],{"type":262,"attrs":263},"link",{"href":264,"uuid":265,"anchor":40,"target":266,"linktype":267,"story":268},"\u002Fsv\u002Fartiklar\u002Foka-din-likviditet-med-payex-fakturakop-fa-betalt-fran-dag-ett","9c8e431b-c1d0-4cbe-95ec-63f86e334c4b","_self","story",{"name":269,"id":270,"uuid":265,"slug":271,"url":272,"full_slug":272,"_stopResolving":273},"Öka din likviditet med PayEx fakturaköp: Få betalt från dag ett",182798222365793,"oka-din-likviditet-med-payex-fakturakop-fa-betalt-fran-dag-ett","sv\u002Fartiklar\u002Foka-din-likviditet-med-payex-fakturakop-fa-betalt-fran-dag-ett",true,"StoryblokArticleText","StoryblokArticleDocument",{"_uid":277,"author":278,"component":327},"5ff7e43d-8f9a-4f36-9319-0c8a64b23658",{"name":279,"created_at":280,"published_at":281,"updated_at":282,"id":283,"uuid":284,"content":285,"slug":319,"full_slug":320,"sort_by_date":40,"position":321,"tag_list":322,"is_startpage":32,"parent_id":323,"meta_data":40,"group_id":324,"first_published_at":281,"release_id":40,"lang":325,"path":40,"alternates":326,"default_full_slug":40,"translated_slugs":40,"_stopResolving":273},"Mattias 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Sverige",{"type":308},"hard_break",{"text":310,"type":48,"marks":311},"Kontakta 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Kontakt","2026-09-04T13:30:25.609Z","2026-10-06T08:50:52.192Z","2026-10-06T08:50:52.205Z",216428648917947,"b152248a-8774-4a5c-a4bf-2ef571f69e62",{"_uid":343,"teasers":344,"headline":28,"component":400},"c541f5ba-73d0-4583-a8c3-3a2e9ea64d53",[345,380],{"_uid":346,"link":347,"document":356,"component":379,"additionalText":28},"719d2ec8-ef88-4388-86e2-2cb3264c6cb5",[348],{"_uid":349,"link":350,"label":354,"component":355},"b7e784b3-dafd-4a69-a663-099bc34eacd1",{"id":351,"url":28,"linktype":267,"fieldtype":352,"cached_url":353},"7861e576-cc36-4fe7-8669-9b5eb97a9b0d","multilink","sv\u002Fvara-tjanster\u002Ffactoring","Läs mer om fakturaköp","BasicLink",{"type":38,"attrs":357,"content":358},{"backgroundColor":40},[359,364],{"type":77,"attrs":360,"content":361},{"level":79,"textAlign":40},[362],{"text":363,"type":48},"Fakturaköp",{"type":43,"attrs":365,"content":366},{"textAlign":40},[367,373],{"text":368,"type":48,"marks":369},"Sälj faktureringen till oss och få ",[370],{"type":300,"attrs":371},{"color":372},"#121212",{"text":374,"type":48,"marks":375},"tillgång till kapital direkt.",[376],{"type":300,"attrs":377},{"color":378},"#404040","TextTeaserCard",{"_uid":381,"link":382,"document":389,"component":379,"additionalText":28},"fbc100b1-d0dc-4e62-bde7-9fead46e2389",[383],{"_uid":384,"link":385,"label":388,"component":355},"faa0c240-f33a-415d-8472-9db690a94d6a",{"id":386,"url":28,"linktype":267,"fieldtype":352,"cached_url":387},"fd45b62b-e2f1-42eb-8f19-fb350befe548","sv\u002Fkontakt","Kontakta oss",{"type":38,"content":390},[391,395],{"type":77,"attrs":392,"content":393},{"level":79,"textAlign":40},[394],{"text":388,"type":48},{"type":43,"attrs":396,"content":397},{"textAlign":40},[398],{"text":399,"type":48},"Har du frågor? Vi hjälper dig gärna.","StoryblokTextTeasers","fakturakoep-kontakt","sv\u002Fglobal\u002Ffakturakoep-kontakt",-10,[],214901819384852,"d836ecde-5549-476f-9ce4-b53d463eb13e","2026-09-04T13:31:21.707Z",[],"StoryblokGlobalBlock",{"_uid":411,"document":412,"component":420,"accordions":421},"45b70f1d-59dc-4260-b8ee-a7f00a67d314",{"type":38,"attrs":413,"content":414},{"backgroundColor":40},[415],{"type":77,"attrs":416,"content":417},{"level":79,"textAlign":40},[418],{"text":419,"type":48},"Vanliga frågor","StoryblokExpandableContent",[422,434,445,456,467,478],{"_uid":423,"label":424,"document":425,"component":433},"24af5105-293c-4b89-b44c-f6254014e440","Vad är skillnaden mellan factoring och fakturaköp?",{"type":38,"attrs":426,"content":427},{"backgroundColor":40},[428],{"type":43,"attrs":429,"content":430},{"textAlign":40},[431],{"text":432,"type":48},"Factoring är ett samlingsnamn för tjänster där du får betalt för kundfakturor i förväg. Fakturaköp är en form av factoring där du säljer fakturorna. Den andra vanliga formen är fakturabelåning, där du lånar pengar med fakturorna som säkerhet.","Accordion",{"_uid":435,"label":436,"document":437,"component":433},"b569e545-7091-40c9-ae1e-74bd5ba1d79c","Hamnar sålda fakturor i balansräkningen?",{"type":38,"attrs":438,"content":439},{"backgroundColor":40},[440],{"type":43,"attrs":441,"content":442},{"textAlign":40},[443],{"text":444,"type":48},"Vid fakturaköp utan regress kan fordringarna normalt tas bort från balansräkningen, eftersom kreditrisken har gått över till köparen. Vid belåning eller köp med regress ligger de kvar. Hur det ska redovisas beror på avtalet och regelverket, så stäm av med din revisor.",{"_uid":446,"label":447,"document":448,"component":433},"187ed744-4484-4285-bce2-e16ff32af8e0","Hur räknar jag ut DSO?",{"type":38,"attrs":449,"content":450},{"backgroundColor":40},[451],{"type":43,"attrs":452,"content":453},{"textAlign":40},[454],{"text":455,"type":48},"DSO räknas ut som kundfordringar delat med omsättningen, gånger antal dagar i perioden. Ett företag med 400 miljoner kronor i kundfordringar och 2 400 miljoner kronor i årsomsättning har en DSO på cirka 61 dagar.",{"_uid":457,"label":458,"document":459,"component":433},"c888cea6-62b7-4d95-9c01-96d23ba5e25a","Förbättrar fakturaköp soliditeten?",{"type":38,"attrs":460,"content":461},{"backgroundColor":40},[462],{"type":43,"attrs":463,"content":464},{"textAlign":40},[465],{"text":466,"type":48},"Ja, om du använder pengarna till att betala av skulder. Då minskar balansomslutningen och det egna kapitalet blir en större andel. 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