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Det ger ett jämnare kassaflöde och mindre kapital bundet i kundreskontran. Innan du väljer upplägg behöver du ändå ta ställning till en fråga: vad händer om kunden aldrig betalar?",{"type":44,"attrs":92,"content":93},{"textAlign":41},[94,96,107,109,121],{"text":95,"type":49},"Du har kanske också stött på uttrycket factoring utan regress, eller något liknande. ",{"text":97,"type":49,"marks":98},"Factoring",[99],{"type":77,"attrs":100},{"href":101,"uuid":102,"anchor":41,"target":81,"linktype":82,"story":103},"\u002Fsv\u002Fvara-tjanster\u002Ffactoring","7861e576-cc36-4fe7-8669-9b5eb97a9b0d",{"name":97,"id":104,"uuid":102,"slug":105,"url":106,"full_slug":106,"_stopResolving":88},175693190091023,"factoring","sv\u002Fvara-tjanster\u002Ffactoring",{"text":108,"type":49}," används ofta som ett samlingsbegrepp för både fakturaköp och fakturabelåning. 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Vem ska bära den – ni eller den som köper fakturan?",{"type":124,"attrs":141,"content":142},{"level":126,"textAlign":41},[143],{"text":144,"type":49},"Fakturaköp utan regress",{"type":44,"attrs":146,"content":147},{"textAlign":41},[148],{"text":149,"type":49},"Vid fakturaköp utan regress tar PayEx över kreditrisken. Om er kund inte kan betala står PayEx i regel för förlusten, medan ni redan har fått betalt för fakturan.",{"type":44,"attrs":151,"content":152},{"textAlign":41},[153],{"text":154,"type":49},"Eftersom risken har flyttats kan fordringarna normalt lyftas ur balansräkningen, så kallat off-balance. Det minskar balansomslutningen och kan förbättra nyckeltal som kassalikviditet och soliditet. Hur det ska redovisas hos er avgörs av er redovisning och revisor.",{"type":44,"attrs":156,"content":157},{"textAlign":41},[158],{"text":159,"type":49},"De allra flesta av PayEx kunder väljer det här upplägget. 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