1. Business Financing
  2. Business Overdraft

Business Overdraft

Put your invoices to work and get an open line of credit that continually adapts to your sales. The more you sell, the more you can borrow. No hidden fees or lock-ins.

Our offers are free and non-binding
What does it cost?
100 000 kr
15 days
450 kr
Total cost

Above is an example with interest rate of 0,9% per 30 days. The actual cost will be based on your company. There are no additional fees and you only pay when you actually borrow. As long as you secure the loan amount with invoices, there’s no requirements of amortization. Easy, affordable and safe.

How does a business line of credit work?

Flexible business line of credit, also called invocie discounting, is the most flexible way to finance your business, using your invoices as security. A business line of credit adapts to your current sales in real-time and you only pay when you actually borrow.

What are the terms?

  • You only pay when using your credit
  • No yearly fees
  • To borrow with your accounts receivables as collateral you'll need to include Capcito's pledge text on your invoices
  • A personal guarantee is required

Common questions about Invoice discounting

How do I get an offer?
What's the difference between a normal overdraft credit and Invoice discounting?
Where can we see our interest rate?
How do we apply?

Three ways of financing your business

Most popular

Invoice discounting

0,7-3,4% per 30 days

Put your invoices to work and get an open credit line that continually adapts to your sales. Borrow now and then or all the time, you only pay for what you use.

  • Open line of credit
  • Combine with business loan
  • Minimal administration
  • No hidden fees
Business Loan

Business Loan

Borrow up to 48 months

Our business loans come without hidden fees and confusing terms. You decide how much and for how long and we'll take care of the rest.

  • Get paid right away
  • Pay us back whenever you want
  • Personal guarantee
  • No hidden fees


Sell your invoices

Sell one or more invoices and get paid up to 99% of their value right away. Avoid the hassle of waiting to get paid and sending reminders whilst minimizing your credit risk.

  • Get paid right away
  • We take over sendouts and reminders
  • Sell one or several invoices
  • No hidden fees

Would you rather talk to someone?