Liquid investments.
High yields.
Known risk.

Up to an average projected return of 5% in just 45 days.

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Invest in liquid assets with high yields and known risks.

Invest

CHF 5000

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Expected result

CHF 6 200

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Rating with Left Margin
Rating: AAA
Investment period: 30 days
Expected return

CHF 6 200

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Why invest on Aequitex?

High yields

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Enjoy an average projected return of up to 5% in just 45 days. With Aequitex, you can tailor your portfolio and expected returns by investing in SME invoices of your choice.

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Liquid investments

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Invoices are a highly liquid asset class with funds typically tied up for a maximum of 90 days. On average, debtors repay invoices within 45 days.

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You understand the risk

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Aequitex offers you a transparent level of investment risk based on real data from trusted global financial institutions like Dun & Bradstreet and Creditreform.

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Full control over investments

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You invest only in the invoices you choose. With Aequitex, you have complete control over your investments!

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Cutting-edge tech solution

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Thanks to our platform's robust security, flawless operation, and user-friendly interface, you can concentrate solely on your investments, both transparently and securely.

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Current invoice pipeline

Industry

Technology

Education

Technology

Education

Technology

Rating

AA-

A

A+

BBB+

A+

Amount

10,420.00

219.60

6,169.00

7,346.00

2,850.00

ROI in CHF

ROI in %

Status

icon check

Sold

icon check

Sold

Open

icon check

Sold

Open

Industry

Technology

Rating

AA-

Amount

10,420.00

Discount CHF/EUR

Discount CHF + %

Status

icon check

Sold

Industry

Education

Rating

A

Amount

219.60

Discount CHF/EUR

Discount CHF + %

Status

icon check

Sold

Industry

Technology

Rating

A+

Amount

6,169.00

Discount
CHF/EUR

Discount
CHF + %

Status

Open

Industry

Education

Rating

BBB+

Amount

7,346.00

Discount
CHF/EUR

Discount
CHF + %

Status

icon check

Sold

Industry

Technology

Rating

A+

Amount

2,850.00

Discount
CHF/EUR

Discount
CHF + %

Status

Open

How to invest

Invoice scoring

Aequitex Invoice Scoring Algorithm© rates invoices based on real data from trusted global financial institutions like Dun & Bradstreet and Creditreform.

Marketplace

Invoices published on the Aequitex marketplace can be searched by criteria including invoice amount, industry and rating class, helping you diversify your portfolio.

Invest and get ROI

Buy the invoices you desire and build up your portfolio for expected returns. Typically, your capital is tied up for around 45 days*.

Invest in verified invoices of local companies!

Get started

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Rating categories

Aequitex rating

Category

High grade

Medium grade

Lower-medium grade

Speculative grade

Highly speculative

Substantial risk of default

Default with little recovery

Rating

AAA, AA+, AA, AA-

A+, A, A-

BBB+, BBB, BBB-

BB+, BB, BB-

B+, B, B-

CCC+, CCC, CCC-

CC, D

Availability

Available

Available

Available

Available

Not offered on Aequitex

Not offered on Aequitex

Not offered on Aequitex

Aequitex rating

Category

High grade

Rating

AAA, AA+, AA, AA-

Availability

Available

Category

Medium grade

Rating

A+, A, A-

Availability

Available

Category

Lower-medium grade

Rating

BBB+, BBB, BBB-

Availability

Available

Category

Speculative grade

Rating

BB+, BB, BB-

Availability

Available

Category

Highly speculative

Rating

B+, B, B-

Availability

Not offered on HiveTerminal

Category

Substantial risk of default

Rating

CCC+, CCC, CCC-

Availability

Not offered on HiveTerminal

Category

Default with little recovery

Rating

CC, D

Availability

Not offered on HiveTerminal

FAQ

Who can become an invoice buyer?

Everybody can buy invoices for as low as EUR/CHF 100 or as much as several tens of thousands of EUR/CHF.

Is there a minimum investment cap?

Yes, you can buy invoices for as low as EUR/CHF 100 or as much as several tens of thousands of EUR/CHF.

Who bears the default risk?

Aequitex offers two types of factoring: recourse and non-recourse. With the recourse option, the risk remains on the sell-side. This option requires a good credit rating for the seller and offers smaller discount rates when selling the invoice. With the non-recourse option, the invoice is fully sold along with all associated risks. Due to this added risk for the investor, they receive a premium, which results in a higher discount on your invoice.

Do debtors confirm the validity of the invoices?

In the case of non-recourse factoring, where the risk is fully transferred to the buyer, the invoice needs to be validated with the debtor, and the credibility of the debtor determines the discount of the invoice. With the recourse option, factoring can be done 'silently' - without notifying the debtor. However, this option can only be offered if the seller himself has a good credit rating.

How high are the commission and fees?

The Buyer of an invoice pays a service fee according to the generally applicable fee table in your Cockpit (Login > Market > Fees), which ranges from 0.45% to 1.50% depending on the invoice amount.