How it works

Sign up and connect your accounting data

Setup the service inside your accounting platform. You need to be the owner of the business and sign an agreement with your personal NemID

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This customer qualifies for instant payment. Once off fee based on invoice details


Get an offer on your invoice immediately

Using accounting data and public credit information about your customer, we give an immedate offer on the cost of instant payment


Accept and send

Once your invoice is sent we pay out the total invoice amount (minus our fee) within 2 hours between 8am and 6pm weekdays only

Same invoice layout, just new information

We legally take ownership of your invoice. Your invoice stays the same, we just add an ownership transfer notice and change the payment bank information



"We use Moneyflow for more flexible payments. This invoice has been transfered to and can therefore only be paid with releasing effect to Moneyflow I A/S. If you have questions please contact


What if your customer does not pay?

We know there can be many reasons why invoices are not paid on time. When following up for payment from your customer we treat them with respect and offer flexible payment options

What makes an invoice qualify?


Amount of the invoice

Your invoice should be between 5.000 and 250.000 DKK


History with your customer

You should have had previously paid invoices from your customer


Your customer needs to be in business

Your customer should not be or be close to insolvency

How much does it cost?

We charge a once off fee, which is calculated at the moment of invoice creation and is based on public data in combination with the following factors:


The duration of the payment terms


The total amount of the invoice


The health of your 
customer´s business

Example of an invoice fee

Payment terms21 days45 days90 days
Amount20.000,00 kr.20.000,00 kr.20.000,00 kr.
Moneyflow fee800,00 kr.1.334,00 kr.2.534,00 kr.
Deductible VAT on Fee200,00 kr.333,50 kr.633,50 kr.
Total payout instantly19.000,00 kr.18.332,50 kr.16.832,50 kr.

Your data is important, we protect it

We understand the responsibility it takes to work with your data. Not only do we comply with national and EU data protection law, but we also go to great lengths to ensure your data is kept safe, used only for the agreed purpose, and retained no longer than required.

See our privacy policy next-arrow

Moneyflow is approved by Danish FSA