[{"data":1,"prerenderedAt":909},["ShallowReactive",2],{"{\"resolve_links\":\"url\",\"resolve_relations\":[\"StoryblokArticleAuthor.author\",\"StoryblokRelatedContent.entries\"],\"version\":\"published\"}sv\u002Fartiklar\u002Fvad-forlorar-du-pa-att-inte-erbjuda-dina-kunder-finansiering":3},{"data":4,"headers":887},{"story":5,"cv":853,"rels":854,"links":881},{"name":6,"created_at":7,"published_at":8,"updated_at":9,"id":10,"uuid":11,"content":12,"slug":843,"full_slug":844,"sort_by_date":845,"position":846,"tag_list":847,"is_startpage":32,"parent_id":849,"meta_data":43,"group_id":850,"first_published_at":851,"release_id":43,"lang":415,"path":43,"alternates":852,"default_full_slug":43,"translated_slugs":43},"Vad förlorar du på att inte erbjuda dina kunder finansiering?","2026-05-19T14:06:59.916Z","2026-06-10T12:53:27.498Z","2026-06-10T12:53:27.529Z",178217041642820,"7fdeb67f-0c9d-4296-8e95-56a1f06d7b29",{"seo":13,"_uid":33,"hero":34,"lead":61,"page":68,"text":72,"image":418,"title":58,"content":423,"content2":598,"component":841,"teaserLabel":842},[14,18,22],{"_uid":15,"title":16,"component":17},"bf78597f-325e-454f-bb35-760ac03d54c5","Vad kostar det att inte erbjuda finansiering?","seoTitle",{"_uid":19,"component":20,"description":21},"3b6492bb-c9b4-4834-9fb8-32fd81da2fd7","seoDescription","Många företag räknar på kostnaden för säljfinansiering – men sällan på kostnaden för att sakna den. Se räkneexemplet och räkna på vad du går miste om.",{"_uid":23,"component":24,"featuredImage":25},"db9d6367-06af-4f00-abb1-8e6462679ac4","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},180246865201318,"En familj packar ur bagaget från en bil vid stranden i solnedgången, med havet i bakgrunden.","","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F291285290306808\u002F2121x1414\u002F16d6ede519\u002Fgettyimages-2234844900.jpg","asset",{"alt":27,"title":28,"source":28,"copyright":28},false,"89788469-1b1e-43d7-8667-4539c0d687f0",[35],{"_uid":36,"lead":37,"image":53,"title":58,"component":59,"teaserLabel":60},"63d4963a-6887-4a95-8c87-d8e8d44c8df2",{"type":38,"content":39},"doc",[40],{"type":41,"attrs":42,"content":44},"paragraph",{"textAlign":43},null,[45],{"text":46,"type":47,"marks":48},"Vad kostar det dig egentligen att inte erbjuda dina kunder finansiering?  Vi har räknat på det – och svaret är mer konkret än du kanske tror.","text",[49],{"type":50,"attrs":51},"textStyle",{"color":52},"#000000E6",{"id":54,"alt":55,"name":28,"focus":28,"title":28,"source":28,"filename":56,"copyright":28,"fieldtype":30,"meta_data":57,"is_external_url":32},178220230548328,"Familj lastar in i modern bil som står parkerad vid havet på västkusten. Det blåser och är solnedgång.","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F291285290306808\u002F2121x1414\u002Feb690ffecb\u002Ffamilj-vid-bil.jpg",{"alt":55,"title":28,"source":28,"copyright":28},"Därför ger snabbare fakturering  stabilare kassaflöde","ArticleHero","Missa inte nästa affär!",{"type":38,"content":62},[63],{"type":41,"attrs":64,"content":65},{"textAlign":43},[66],{"text":67,"type":47},"Ett snabbare fakturaflöde ger ofta ett lugnare kassaflöde. När fakturor skickas direkt efter leverans blir betalningarna jämnare och likviditeten enklare att planera. Här får du en snabb överblick över varför tempot i faktureringen spelar så stor roll.",[69],{"_uid":70,"title":6,"component":71},"9d2863a7-67e2-42c3-b669-5d9566c2b0e2","StoryblokPageTitle",[73,368],{"_uid":74,"sections":75,"component":367},"b030d91c-9021-41c6-9265-e42584d555d5",[76],{"_uid":77,"document":78,"component":366},"d11c8a04-212c-43fb-ae1e-b599c80e89df",{"type":38,"content":79},[80,85,95,104,127,132,138,143,182,187,193,198,250,256,261,266,272,277,303,308,313,322,327,333,338,343,349,359],{"type":41,"attrs":81,"content":82},{"textAlign":43},[83],{"text":84,"type":47},"Föreställ dig en kund som är redo att köpa. Produkten passar. Behovet finns. Men beloppet är för stort för att betala direkt och du erbjuder inga andra alternativ. Vad händer då?",{"type":41,"attrs":86,"content":87},{"textAlign":43},[88,93],{"text":89,"type":47,"marks":90},"I bästa fall väntar kunden. I värsta fall köper de av någon som erbjuder en flexibel betalningslösning.",[91],{"type":92},"bold",{"text":94,"type":47}," Den affären syns aldrig i din statistik. Ingen förlorad order registreras. Men pengarna är ändå borta.",{"type":96,"attrs":97,"content":99},"heading",{"level":98,"textAlign":43},2,[100,102],{"type":101},"hard_break",{"text":103,"type":47},"Öppna upp dörren till fler kunder",{"type":41,"attrs":105,"content":106},{"textAlign":43},[107,109,125],{"text":108,"type":47},"Att erbjuda ",{"text":110,"type":47,"marks":111},"finansiering",[112],{"type":113,"attrs":114},"link",{"href":115,"uuid":116,"anchor":43,"target":117,"linktype":118,"story":119},"\u002Fsv\u002Fvara-tjanster\u002Fsaljfinansiering","49573a6d-55f4-499d-8d3e-14927b7f9b7b","_self","story",{"name":120,"id":121,"uuid":116,"slug":122,"url":123,"full_slug":123,"_stopResolving":124},"Säljfinansiering",175655368434604,"saljfinansiering","sv\u002Fvara-tjanster\u002Fsaljfinansiering",true,{"text":126,"type":47}," till dina kunder handlar inte om att sänka tröskeln på ett oansvarigt sätt, utan om att möta kunden där de faktiskt befinner sig ekonomiskt. En kund som kan sprida ut betalningen över tid kan ofta motivera ett större köp, eller ett köp de annars hade skjutit upp. Det ökar din genomsnittliga orderstorlek, kortar säljcykeln och gör det enklare att säga ja.",{"type":41,"attrs":128,"content":129},{"textAlign":43},[130],{"text":131,"type":47},"Resultatet är fler affärer, till fler kunder, utan att du behöver sänka priset.",{"type":96,"attrs":133,"content":134},{"level":98,"textAlign":43},[135,136],{"type":101},{"text":137,"type":47},"Du får betalt direkt – vi hanterar resten",{"type":41,"attrs":139,"content":140},{"textAlign":43},[141],{"text":142,"type":47},"Här är den del som många missar när de tänker på kundfinansiering: du behöver inte ta på dig risken eller administrationen själv. När du samarbetar med PayEx som säljfinansieringspartner fungerar det så här:",{"type":144,"content":145},"bullet_list",[146,154,161,168,175],{"type":147,"content":148},"list_item",[149],{"type":41,"attrs":150,"content":151},{"textAlign":43},[152],{"text":153,"type":47},"Kunden ansöker om finansiering vid köptillfället",{"type":147,"content":155},[156],{"type":41,"attrs":157,"content":158},{"textAlign":43},[159],{"text":160,"type":47},"Du får hela köpesumman utbetald direkt när affären är klar",{"type":147,"content":162},[163],{"type":41,"attrs":164,"content":165},{"textAlign":43},[166],{"text":167,"type":47},"Vi hanterar fakturering, betalningsuppföljning och kundkontakt",{"type":147,"content":169},[170],{"type":41,"attrs":171,"content":172},{"textAlign":43},[173],{"text":174,"type":47},"Kunden betalar till oss enligt sitt finansieringsupplägg",{"type":147,"content":176},[177],{"type":41,"attrs":178,"content":179},{"textAlign":43},[180],{"text":181,"type":47},"Du slipper likviditetsgapet, kreditrisken och administrationen.",{"type":41,"attrs":183,"content":184},{"textAlign":43},[185],{"text":186,"type":47},"Du kan fokusera på det du är bra på – att sälja och leverera.",{"type":96,"attrs":188,"content":189},{"level":98,"textAlign":43},[190,191],{"type":101},{"text":192,"type":47},"Vad det kostar att inte erbjuda finansiering",{"type":41,"attrs":194,"content":195},{"textAlign":43},[196],{"text":197,"type":47},"Utan ett finansieringsalternativ riskerar du att:",{"type":144,"content":199},[200,214,226,238],{"type":147,"content":201},[202,212],{"type":41,"attrs":203,"content":204},{"textAlign":43},[205,209,210],{"text":206,"type":47,"marks":207},"Förlora affärer till konkurrenter som erbjuder det",[208],{"type":92},{"type":101},{"text":211,"type":47},"I branscher där finansiering är standard förväntar sig kunden att det ska finnas. Saknar du det blir du automatiskt ett sämre alternativ, oavsett hur bra din produkt är.",{"type":41,"attrs":213},{"textAlign":43},{"type":147,"content":215},[216],{"type":41,"attrs":217,"content":218},{"textAlign":43},[219,223,224],{"text":220,"type":47,"marks":221},"Begränsa dig till kunder med stor betalförmåga",[222],{"type":92},{"type":101},{"text":225,"type":47},"Om hela köpesumman ska betalas direkt stänger du dörren för en stor del av marknaden. Inte för att de inte vill köpa, utan för att tidpunkten inte passar.",{"type":147,"content":227},[228],{"type":41,"attrs":229,"content":230},{"textAlign":43},[231,235,236],{"text":232,"type":47,"marks":233},"Missa merförsäljning",[234],{"type":92},{"type":101},{"text":237,"type":47},"En kund som finansierar sitt köp är ofta mer benägen att lägga till tilläggstjänster eller uppgradera.",{"type":147,"content":239},[240],{"type":41,"attrs":241,"content":242},{"textAlign":43},[243,247,248],{"text":244,"type":47,"marks":245},"Förlänga säljcykeln i onödan",[246],{"type":92},{"type":101},{"text":249,"type":47},"Utan finansiering behöver kunden ofta involvera fler i beslutet, vänta till nästa månad eller helt enkelt ta sig tid att spara ihop. Det drar ut på affären och ibland faller den helt.",{"type":96,"attrs":251,"content":252},{"level":98,"textAlign":43},[253,254],{"type":101},{"text":255,"type":47},"Ansvarsfull finansiering som stärker kundrelationen",{"type":41,"attrs":257,"content":258},{"textAlign":43},[259],{"text":260,"type":47},"Att erbjuda finansiering ska alltid göras på ett ansvarsfullt sätt. Det innebär tydliga villkor, transparenta kostnader och en process som känns trygg för kunden. Rätt hanterat stärker det faktiskt kundrelationen.",{"type":41,"attrs":262,"content":263},{"textAlign":43},[264],{"text":265,"type":47},"Kunden upplever att du möter deras behov och underlättar deras vardag – inte att du pushar dem att köpa mer än de klarar av. Det är skillnaden mellan en partner och en säljare.",{"type":96,"attrs":267,"content":268},{"level":98,"textAlign":43},[269,270],{"type":101},{"text":271,"type":47},"Räkna på vad du går miste om",{"type":41,"attrs":273,"content":274},{"textAlign":43},[275],{"text":276,"type":47},"Ett enkelt sätt att uppskatta vad avsaknaden av finansiering kostar dig:",{"type":278,"attrs":279,"content":281},"ordered_list",{"order":280},1,[282,289,296],{"type":147,"content":283},[284],{"type":41,"attrs":285,"content":286},{"textAlign":43},[287],{"text":288,"type":47},"Hur många affärer per månad stannar av på grund av betalningsvillkor? Även en grov uppskattning ger en indikation.",{"type":147,"content":290},[291],{"type":41,"attrs":292,"content":293},{"textAlign":43},[294],{"text":295,"type":47},"Vad är ditt genomsnittliga ordervärde? Multiplicera med antalet uteblivna affärer.",{"type":147,"content":297},[298],{"type":41,"attrs":299,"content":300},{"textAlign":43},[301],{"text":302,"type":47},"Hur ser det ut hos dina närmaste konkurrenter? Erbjuder de finansiering redan idag?",{"type":41,"attrs":304,"content":305},{"textAlign":43},[306],{"text":307,"type":47},"Detta går att räkna på ganska konkret. Ta ett företag med 10 000 besökare eller leads per månad, en konverteringsgrad på 2,5 procent och ett genomsnittligt ordervärde på 5 000 kronor. Det ger 250 affärer och en omsättning på 1 250 000 kronor i månaden.",{"type":41,"attrs":309,"content":310},{"textAlign":43},[311],{"text":312,"type":47},"Lägg nu till säljfinansiering. Konverteringen stiger till 3,0 procent, en fullt rimlig effekt av ett tydligare erbjudande. Snittordern ökar med 10 procent, till 5 500 kronor, eftersom fler väljer ett större paket när de kan dela upp betalningen.",{"type":41,"attrs":314,"content":315},{"textAlign":43},[316,320],{"text":317,"type":47,"marks":318},"Resultatet:",[319],{"type":92},{"text":321,"type":47}," 300 affärer och 1 650 000 kronor i månaden.",{"type":41,"attrs":323,"content":324},{"textAlign":43},[325],{"text":326,"type":47},"Skillnaden är 400 000 kronor i omsättning per månad. Med en bruttomarginal på 30 procent innebär det 120 000 kronor i extra bruttovinst innan kostnaden för finansieringslösningen är inräknad.",{"type":96,"attrs":328,"content":329},{"level":98,"textAlign":43},[330,331],{"type":101},{"text":332,"type":47},"Vad kostar lösningen?",{"type":41,"attrs":334,"content":335},{"textAlign":43},[336],{"text":337,"type":47},"Om finansieringsavgiften motsvarar tre procent av finansierat belopp landar kostnaden på cirka 49 500 kronor. 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