Alternative investments with attractive returns

Profit from short-term investments in the working capital of swiss SMEs

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Why Advanon?

Alternative investment opportunities

Via Advanon you can invest in the working capital or invoice of a SME.

Attractive Returns

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.

P2P

4-8%

Medium ROI - Long investment duration

Advanon

8-12%

Attractive ROI - Short investment durations - High liquidity

Bank Deposits

0-0.5%

No ROI - High liquidity

How it works

Sign up in 30 seconds

Sign up

Register in 2 minutes on Advanon

Get approved - We do a quick check on your eligibility to invest on the platform

Get approved

We check on your eligibility to invest on the platform within 24h

Browse for invoices - On the platform you get an overview of all invoices that can be financed

Browse for invoices

Find attractive investment opportunities on the platform

Invest - Make a well-informed investment decision.

Invest

Make a well-informed investment decision

Get return - Once the invoice is being paid the fee will be your yield.

Earn return

Once the investment is repaid you will get the ROI

Investment opportunities on Advanon

On Advanon we offer you two different investment opportunities

Prefinance dd6dbeb9ab095c531d6cd845ca3509a32fc1decb9ea418a928bef1713fc41504

Pre-financing

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.

True sale 48d3b33115f809cbcd35c49bf8e1a87390db45db169cdb1b8926c93d01f4e24e

True-Sale

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.

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Advanon Credit Rating

Credit Report Score

The external credit report score is calculated using the CRIF and Dun & Bradstreet score for Swiss companies and Schufa score for German companies.

Financial Score

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.

Repayment Score

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
A 1 - 2 % Minimal
B 2 - 4 % Low
C 4 - 8 % Medium
D Not eligible on Advanon Increased
E Not eligible on Advanon High

What our investors say

CHF 1'043 - 251'000

ticket sizes

More than 1700 invoices financed

Need Help?

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