What if:

A calculation example

Revenue 6.000.000
Average payment term 30 days
Balance outstanding invoices 500.000

You will receive from Togather

Balance outstanding invoices 500.000
5% deposit (preliminary) 25.000
Money transferred to your account 475.000

Let’s say your clients pay within 30 days

Then you will receive another 3% 15.000 490.000
Within 31-60 days this will be 2% 10.000 485.000
Within 61-90 days this will be 1% 5.000 480.000

How do cash flows work on a day to day basis

Once you receive money from your client, you will transfer this to our account and provide us with the new invoices. We then clear the credited amount before the remaining amount is transferred to you. This is easier for you administratively. In the system, that does all the management for you, you can see exactly how much you will receive and how much is cleared.Each week, on your allocated settlement dates, we buy the new invoices that you have made available to us, and transfer to you usually same day the purchase price for these invoices after deducting any collections received from your clients from invoices we have previously financed for you. We notify you by email on the day of your position.

What do I get:

- Immediate payment of your invoice; assurance of payment, even if your client is subsequently declared insolvent.
- If necessary we will send reminders on your behalf.
- You stay in close contact with the client should there be any dispute.
- We take over the risk of non-payment, except when due to a commercial dispute.

What’s in it for me?

A calculation example is nice, but what can we really do for you? Find out for yourself, by using your own numbers below. If you like to know more, we would be happy to hear from you.

Enter the outstanding amount here

Within 48 hours the amount will be on your account


Your customer pays his bill within the next term

30 days

60 days

90 days

90 days

You will receive the following amount extra on your account

It’s time to make an appointment click here


I’m relieved that I can finally make it through those peak periods.

Dimitri Romijn CFO - Swets Group BV

Immediate working capital available to help grow your company