[{"data":1,"prerenderedAt":767},["ShallowReactive",2],{"sv\u002Fartiklar\u002Fsa-okar-ni-likviditeten-utan-att-belasta-krediten\u002F::{\"resolve_links\":\"url\",\"resolve_relations\":[\"StoryblokArticleAuthor.author\",\"StoryblokRelatedContent.entries\",\"StoryblokGlobalBlock.content\"],\"version\":\"published\"}":3},{"data":4,"headers":745},{"story":5,"cv":597,"rels":598,"links":739},{"name":6,"created_at":7,"published_at":8,"updated_at":9,"id":10,"uuid":11,"content":12,"slug":589,"full_slug":590,"sort_by_date":41,"position":591,"tag_list":592,"is_startpage":33,"parent_id":594,"meta_data":41,"group_id":595,"first_published_at":8,"release_id":41,"lang":328,"path":41,"alternates":596,"default_full_slug":41,"translated_slugs":41},"Så ökar ni likviditeten utan att belasta krediten","2026-09-25T08:28:17.921Z","2026-09-25T08:48:51.280Z","2026-09-25T08:48:51.296Z",223786180315519,"6ee76f7b-f5b1-4255-8aee-5b63f6d949bb",{"seo":13,"_uid":34,"hero":35,"page":54,"text":58,"content":331,"component":588},[14,18,22],{"_uid":15,"title":16,"component":17},"9029fe9c-5903-49ee-a358-d9fe00d4c929","Fakturaköp: frigör kapital utan att ta nytt lån | PayEx","seoTitle",{"_uid":19,"component":20,"description":21},"0aba2e8a-047d-4bc4-802b-47da29254ce4","seoDescription","Fakturaköp eller banklån? Se skillnaden och hur du frigör kapital i kundreskontran utan att belasta befintliga lånevillkor. Här får du en snabb överblick.",{"_uid":23,"component":24,"featuredImage":25},"bbb9dcad-4709-48f3-bfe3-69105c234c13","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":33},222378160184315,"Fyra byggarbetare i reflexvästar samtalar på en byggarbetsplats på taket av en hög byggnad med staden i bakgrunden.","","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F291285290306808\u002F2121x1414\u002F18277306ec\u002Fgettyimages-1192886295.jpg","asset",{"alt":27,"size":32},"2121x1414",false,"c5556e6e-a7fe-40f1-9019-bd56a910465c",[36],{"_uid":37,"lead":38,"image":50,"component":52,"teaserLabel":53},"6b317fc1-87eb-4a80-ba81-cde653668a3e",{"type":39,"attrs":40,"content":42},"doc",{"backgroundColor":41},null,[43],{"type":44,"attrs":45,"content":46},"paragraph",{"textAlign":41},[47],{"text":48,"type":49},"När kassaflödet behöver stärkas är ett utökat lån sällan det enda alternativet. Här får du en snabb överblick över hur ni frigör kapital utan att röra den befintliga kreditstrukturen.","text",{"id":26,"alt":27,"name":28,"focus":28,"title":28,"source":28,"filename":29,"copyright":28,"fieldtype":30,"meta_data":51,"is_external_url":33},{"alt":27,"size":32},"ArticleHero","Läs mer",[55],{"_uid":56,"title":6,"component":57},"9fc28585-a97a-415a-92fc-320faaffdd98","StoryblokPageTitle",[59,280],{"_uid":60,"sections":61,"component":279},"98e23bc7-6b18-4bed-b0ff-353dfc071534",[62],{"_uid":63,"document":64,"component":278},"89297f4c-b6d6-4ffb-9a95-0f2d04746f68",{"type":39,"attrs":65,"content":66},{"backgroundColor":41},[67,74,108,113,118,123,128,150,155,160,165,170,175,180,185,190,195,200,205,210,229,234,276],{"type":68,"attrs":69,"content":71},"heading",{"level":70,"textAlign":41},2,[72],{"text":73,"type":49},"Kort sammanfattat: ",{"type":75,"content":76},"bullet_list",[77,88,97],{"type":78,"content":79},"list_item",[80],{"type":44,"attrs":81,"content":82},{"textAlign":41},[83],{"text":84,"type":49,"marks":85},"Fakturaköp frigör kapital som redan finns bundet i kundreskontran, i stället för att tillföra ny skuld.",[86],{"type":87},"bold",{"type":78,"content":89},[90],{"type":44,"attrs":91,"content":92},{"textAlign":41},[93],{"text":94,"type":49,"marks":95},"Äkta fakturaköp utan återköpsplikt redovisas normalt inte som lån och påverkar inte skuldsättningsgraden på samma sätt som ett banklån.",[96],{"type":87},{"type":78,"content":98},[99,106],{"type":44,"attrs":100,"content":101},{"textAlign":41},[102],{"text":103,"type":49,"marks":104},"Volymen skalar med er fakturering, inte med en förutbestämd kreditram, vilket gör det enkelt att anpassa efter koncernstruktur och lånevillkor.",[105],{"type":87},{"type":44,"attrs":107},{"textAlign":41},{"type":44,"attrs":109,"content":110},{"textAlign":41},[111],{"text":112,"type":49},"Kassaflödet behöver sällan stärkas av en enda anledning. Ofta handlar det om att flera saker sker samtidigt: längre betalningsvillkor gentemot stora kunder, säsongsvariationer i faktureringen, eller att tillväxten i sig binder mer kapital än väntat i reskontran.",{"type":44,"attrs":114,"content":115},{"textAlign":41},[116],{"text":117,"type":49},"Kapital som redan finns i verksamheten men som sitter fast i väntan på att kunderna betalar går ofta att frigöra på andra sätt. För bolag med en mer komplex struktur, flera dotterbolag eller en treasury-funktion som redan hanterar flera finansieringskällor, blir det dessutom en fråga om hur lösningen passar in i den befintliga kapitalstrukturen utan att onödigt belasta lånevillkor eller kreditbetyg. Här går vi igenom hur det fungerar i praktiken.",{"type":68,"attrs":119,"content":120},{"level":70,"textAlign":41},[121],{"text":122,"type":49},"Två olika sätt att lösa samma problem",{"type":44,"attrs":124,"content":125},{"textAlign":41},[126],{"text":127,"type":49},"Behovet är ofta detsamma: kapital behöver frigöras snabbare än vad kundernas betalningsvillkor tillåter. Vägen dit skiljer sig däremot åt beroende på om ni väljer ett traditionellt banklån eller fakturaköp.",{"type":44,"attrs":129,"content":130},{"textAlign":41},[131,133,148],{"text":132,"type":49},"Ett banklån innebär att ni lånar mot säkerhet, ofta med amorteringsplan, ränta och lånevillkor kopplade till bolagets nyckeltal. ",{"text":134,"type":49,"marks":135},"Fakturaköp",[136],{"type":137,"attrs":138},"link",{"href":139,"uuid":140,"anchor":41,"target":141,"linktype":142,"story":143},"\u002Fsv\u002Fvara-tjanster\u002Ffakturakop","2de76a63-110d-4aaf-aa45-c98b7247bd08","_self","story",{"name":134,"id":144,"uuid":140,"slug":145,"url":146,"full_slug":146,"_stopResolving":147},188051931903581,"fakturakop","sv\u002Fvara-tjanster\u002Ffakturakop",true,{"text":149,"type":49}," fungerar annorlunda. Ni säljer era fakturor till PayEx och får betalt direkt, medan PayEx tar över hanteringen av fordran och, vid upplägg utan regress, även kreditrisken.",{"type":68,"attrs":151,"content":152},{"level":70,"textAlign":41},[153],{"text":154,"type":49},"Vad skiljer dem åt i praktiken",{"type":44,"attrs":156,"content":157},{"textAlign":41},[158],{"text":159,"type":49},"Ett banklån syns som en skuld i balansräkningen och påverkar skuldsättningsgraden oavsett hur mycket av krediten som faktiskt utnyttjas. För bolag med koncerngemensamma lånevillkor eller kreditbetyg att ta hänsyn till kan det få följdeffekter långt utanför den enskilda enhet som behöver kapitalet.",{"type":44,"attrs":161,"content":162},{"textAlign":41},[163],{"text":164,"type":49},"Fakturaköp är i stället kopplat till er faktiska försäljning. Volymen skalar med hur mycket ni fakturerar, inte med en förutbestämd kreditram. Detta gör det lättare att anpassa efter verksamhetens naturliga svängningar mellan bolag och säsonger.",{"type":44,"attrs":166,"content":167},{"textAlign":41},[168],{"text":169,"type":49},"Uppsättningen skiljer sig också åt. Ett banklån kräver ofta en mer omfattande kreditprövning och förhandling av villkor, särskilt om flera juridiska enheter ska omfattas. Fakturaköp kan ofta aktiveras relativt snabbt, särskilt när era kunder redan är kreditprövade och avtalsstrukturen är enkel.",{"type":68,"attrs":171,"content":172},{"level":70,"textAlign":41},[173],{"text":174,"type":49},"När passar vad?",{"type":44,"attrs":176,"content":177},{"textAlign":41},[178],{"text":179,"type":49},"Banklån kan vara rätt väg när ni behöver kapital till en specifik investering med en tydlig återbetalningsplan, till exempel en anläggning, ett förvärv eller en större systeminvestering. Fakturaköp passar bättre när utmaningen är löpande, det vill säga när kapital regelbundet binds i väntan på att kunderna betalar.",{"type":44,"attrs":181,"content":182},{"textAlign":41},[183],{"text":184,"type":49},"Många större bolag använder både och, i olika delar av verksamheten eller i olika juridiska enheter. Det finns inget som säger att det måste vara ett antingen-eller, snarare handlar det om att matcha finansieringsformen mot behovets karaktär.",{"type":68,"attrs":186,"content":187},{"level":70,"textAlign":41},[188],{"text":189,"type":49},"Så väljer ni rätt",{"type":44,"attrs":191,"content":192},{"textAlign":41},[193],{"text":194,"type":49},"Ett enkelt sätt att komma vidare är att titta på var i verksamheten kapitalet faktiskt sitter fast. Om det är i kundreskontran – med långa betalningstider och kreditstarka kunder – är fakturaköp ofta det snabbaste sättet att frigöra det utan att det syns som ny räntebärande skuld. Handlar det i stället om en enskild, större investering kan ett lån vara mer träffsäkert.",{"type":44,"attrs":196,"content":197},{"textAlign":41},[198],{"text":199,"type":49},"Ett strukturerat sätt att jämföra de två är att ställa dem mot varandra utifrån samma frågor: Hur snabbt behövs kapitalet? Hur påverkas nyckeltal som skuldsättningsgrad och DSO (Daily Sales Outstanding)? Och hur väl matchar återbetalningen det faktiska kassaflödet? Svaren pekar ofta tydligt åt ett håll.",{"type":44,"attrs":201,"content":202},{"textAlign":41},[203],{"text":204,"type":49},"Att kombinera fakturaköp med annan finansiering är dessutom vanligare än man kan tro bland större bolag, särskilt när kapitalbehovet varierar mellan olika delar av koncernen. Vissa kreditavtal kan ändå ha klausuler kring factoring, så det lönar sig att stämma av mot befintliga avtal och lånevillkor. ",{"type":68,"attrs":206,"content":207},{"level":70,"textAlign":41},[208],{"text":209,"type":49},"Vill du veta mer?",{"type":44,"attrs":211,"content":212},{"textAlign":41},[213,215,227],{"text":214,"type":49},"Är ni osäkra på vilken lösning, eller kombination, som passar er verksamhet bäst? Då berättar vi på PayEx gärna om hur vi kan stötta ditt bolag. ",{"text":216,"type":49,"marks":217},"Kontakta oss",[218],{"type":137,"attrs":219},{"href":220,"uuid":221,"anchor":41,"target":141,"linktype":142,"story":222},"\u002Fsv\u002Fvara-tjanster\u002Fintresserad","34eba261-1694-4b16-9ac4-a4ce24322627",{"name":223,"id":224,"uuid":221,"slug":225,"url":226,"full_slug":226,"_stopResolving":147},"Kontakta vår säljavdelning!",185220633167143,"intresserad","sv\u002Fvara-tjanster\u002Fintresserad",{"text":228,"type":49}," så hjälper vi dig.",{"type":68,"attrs":230,"content":231},{"level":70,"textAlign":41},[232],{"text":233,"type":49},"Relaterat",{"type":44,"attrs":235,"content":236},{"textAlign":41},[237,249,251,263,264],{"text":238,"type":49,"marks":239},"Så kan fakturaköp förbättra nyckeltalen och stärka budgetstrategin",[240],{"type":137,"attrs":241},{"href":242,"uuid":243,"anchor":41,"target":141,"linktype":142,"story":244},"\u002Fsv\u002Fartiklar\u002Fsa-kan-fakturakop-forbattra-nyckeltalen-och-starka-budgetstrategin-for-2026","ac20b347-9e60-47ef-a910-281c31a94383",{"name":245,"id":246,"uuid":243,"slug":247,"url":248,"full_slug":248,"_stopResolving":147},"Så kan fakturaköp förbättra nyckeltalen och stärka budgetstrategin för 2026",180693794098182,"sa-kan-fakturakop-forbattra-nyckeltalen-och-starka-budgetstrategin-for-2026","sv\u002Fartiklar\u002Fsa-kan-fakturakop-forbattra-nyckeltalen-och-starka-budgetstrategin-for-2026",{"type":250},"hard_break",{"text":252,"type":49,"marks":253},"Så kan kreditstarka kunder hjälpa dig frigöra kapital",[254],{"type":137,"attrs":255},{"href":256,"uuid":257,"anchor":41,"target":141,"linktype":142,"story":258},"\u002Fsv\u002Fartiklar\u002Fkreditstarka-kunder-sa-kan-du-frigora-kapital-till-en-minimal-kostnad","19da49dd-2c31-437f-94e8-9cac47a01406",{"name":259,"id":260,"uuid":257,"slug":261,"url":262,"full_slug":262,"_stopResolving":147},"Kreditstarka kunder? Så kan du frigöra kapital till en minimal kostnad",181742666322786,"kreditstarka-kunder-sa-kan-du-frigora-kapital-till-en-minimal-kostnad","sv\u002Fartiklar\u002Fkreditstarka-kunder-sa-kan-du-frigora-kapital-till-en-minimal-kostnad",{"type":250},{"text":265,"type":49,"marks":266},"De sex vanligaste myterna om fakturaköp",[267],{"type":137,"attrs":268},{"href":269,"uuid":270,"anchor":41,"target":141,"linktype":142,"story":271},"\u002Fsv\u002Fartiklar\u002Fdet-ar-bara-foretag-det-gar-daligt-for-som-saljer-fakturor-och-andra-vanliga-myter-om-fakturakop","e9997a89-120d-4930-811e-c5ec2240a5db",{"name":272,"id":273,"uuid":270,"slug":274,"url":275,"full_slug":275,"_stopResolving":147},"“Det är bara företag det går dåligt för som säljer fakturor” och andra vanliga myter om fakturaköp",182780048224785,"det-ar-bara-foretag-det-gar-daligt-for-som-saljer-fakturor-och-andra-vanliga-myter-om-fakturakop","sv\u002Fartiklar\u002Fdet-ar-bara-foretag-det-gar-daligt-for-som-saljer-fakturor-och-andra-vanliga-myter-om-fakturakop",{"type":44,"attrs":277},{"textAlign":41},"StoryblokArticleText","StoryblokArticleDocument",{"_uid":281,"author":282,"component":330},"2b8ebe7c-159e-4d98-84be-a4c1aaec2b6a",{"name":283,"created_at":284,"published_at":285,"updated_at":286,"id":287,"uuid":288,"content":289,"slug":322,"full_slug":323,"sort_by_date":41,"position":324,"tag_list":325,"is_startpage":33,"parent_id":326,"meta_data":41,"group_id":327,"first_published_at":285,"release_id":41,"lang":328,"path":41,"alternates":329,"default_full_slug":41,"translated_slugs":41,"_stopResolving":147},"Mattias Blomberg","2026-05-19T13:41:54.440Z","2026-05-19T13:50:03.480Z","2026-05-19T13:50:03.496Z",178210875170605,"3a1a8b62-1673-431a-a348-2bcd2b437bb6",{"_uid":290,"image":291,"document":296,"component":321},"60d95a87-11c9-449e-85fe-538fdb88bd4b",{"id":292,"alt":293,"name":28,"focus":28,"title":28,"source":28,"filename":294,"copyright":28,"fieldtype":30,"meta_data":295,"is_external_url":33},178212433184153,"Porträttbild av Mattias Blomberg, Head of Sales, PayEx Sverige","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F291285290306808\u002F3698x5547\u002F712c74ae25\u002Fmattias-blomberg.jpg",{"alt":293,"title":28,"source":28,"copyright":28},{"type":39,"content":297},[298,306],{"type":68,"attrs":299,"content":300},{"level":70,"textAlign":41},[301],{"text":283,"type":49,"marks":302},[303],{"type":304,"attrs":305},"textStyle",{"color":28},{"type":44,"attrs":307,"content":308},{"textAlign":41},[309,311,312],{"text":310,"type":49},"Head of Sales, PayEx Sverige",{"type":250},{"text":313,"type":49,"marks":314},"Kontakta mig",[315,319],{"type":137,"attrs":316},{"href":317,"uuid":41,"anchor":41,"target":141,"linktype":318},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmattias-blomberg\u002F","url",{"type":304,"attrs":320},{"color":28},"Author","mattias-blomberg","sv\u002Fauthors\u002Fmattias-blomberg",0,[],170406300019809,"13513fa7-d327-4e0d-8660-79aa62535153","default",[],"StoryblokArticleAuthor",[332],{"_uid":333,"anchor":28,"content":334,"component":587},"1ef3a956-7613-4a7e-9b22-098b02f52466",[335,390,464],{"_uid":336,"document":337,"component":345,"accordions":346},"7d9aedc3-e081-4026-8299-0c3434d1a748",{"type":39,"attrs":338,"content":339},{"backgroundColor":41},[340],{"type":68,"attrs":341,"content":342},{"level":70,"textAlign":41},[343],{"text":344,"type":49},"Vanliga frågor om fakturaköp","StoryblokExpandableContent",[347,361,372],{"_uid":348,"label":349,"document":350,"component":360},"4029d7e3-c62b-4f75-86f0-3c117f03f87b","Vad är skillnaden mellan fakturaköp med och utan regress?",{"type":39,"attrs":351,"content":352},{"backgroundColor":41},[353,358],{"type":44,"attrs":354,"content":355},{"textAlign":41},[356],{"text":357,"type":49},"Med regress ligger kreditrisken kvar hos dig. Om kunden inte betalar kan du behöva köpa tillbaka fakturan. Utan regress tar PayEx över kreditrisken, vilket ger dig en mer förutsägbar likviditet.",{"type":44,"attrs":359},{"textAlign":41},"Accordion",{"_uid":362,"label":363,"document":364,"component":360},"46265fee-0148-44b2-885d-d02fc4af2aec","Kan fakturaköp användas i flera bolag inom en koncern?",{"type":39,"attrs":365,"content":366},{"backgroundColor":41},[367],{"type":44,"attrs":368,"content":369},{"textAlign":41},[370],{"text":371,"type":49},"Ja. Upplägget kan anpassas så att det omfattar ett eller flera dotterbolag, beroende på var kapitalet sitter fast. 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