Invest in the working capital of an SME

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

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Why Advanon?

New 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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Risk and return information

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Annualized net return6-9%9-11%11-13%13-18%

The rating on Advanon ranges from AAA to B and consists of the rating of the credit agencies Crif (60%) and Dun & Bradstreet (40%). The rating can be used as an indicator whether or not the company will be able to repay the investment. Additionally there will be financial ratios displayed to assess the financial health of the company.

Please be aware, that pre-financing and true-sale are not traditional financial products and should be only part of a well diversified portfolio. Investors have to be aware that they can lose the invested capital.

What our investors say

CHF 1'043 - 251'000

ticket sizes

More than 1700 invoices financed

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