Alternative investment opportunities
Via Advanon you can invest in the working capital or invoice of a SME.
Investing in the working capital allows you to earn attractive returns as an investor.
Short investment duration
The investment duration of 60 days on average gives you flexibility and does not tie you to the platform.
Medium ROI - Long investment duration
Attractive ROI - Short investment durations - High liquidity
No ROI - High liquidity
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Once the investment is repaid you will get the ROI
When you pre-financing an invoice you give an unsecured short-term loan to the seller. You have a legal claim against the seller but not a legal claim on the invoice. The invoice is only required to ensure a future cash-flow which will enable the seller to repay.
Since you have a legal claim against the seller, the seller is liable to repay your investment and the ROI also in case his debtor does not pay the invoice.
A True-Sale is a factoring contract. As an investor you buy a part of the whole invoice of the seller against his debtor. Here you have a legal claim on the invoice and against the debtor.
Since you have a legal claim the debtor is liable to pay the invoice and so repay your investment and a ROI.
The external credit report score is calculated using the CRIF and Dun & Bradstreet score for Swiss companies and Schufa score for German companies.
The Financial Score is based on the financial statement provided by the company. It is calculated using liquidity, rentability and financing ratios specific to the company's industry.
The Repayment Score analyses the repayment behaviour of the company on the Advanon Platform, such as previous delays or early repayments. The weighting of this score increases with the number of invoices the company has received financing for.
|Advanon Rating||Est. annual default||Risk|
|1 - 2 %||Minimal|
|2 - 4 %||Low|
|4 - 8 %||Medium|
|Not eligible on Advanon||Increased|
|Not eligible on Advanon||High|
H. Müller, Investor
F. Rohner, Investor
T. Odermatt, Investor
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2. Invoice Market
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3. Company Profile
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