From overdue receivables to released capital

Holding overdue receivables ties up capital, creates uncertainty and puts pressure on both operations and liquidity. Yet many companies outside the banking and financial sector still do not consider selling invoice and debt portfolios as an option.

“At its core, portfolio purchasing is about helping businesses release capital, reduce risk and gain better control. It is just as relevant for companies in energy, telecom, retail, services and industry as it is for those in banking and finance,” says Anmol Juneja, Chief Investment Officer at Kredinor.

Flexible models tailored to business needs

Kredinor acquires invoice and debt portfolios from companies across all industries in Norway, Sweden and Finland, offering several purchasing and financing models:

• One-off portfolio purchases, where overdue claims are sold individually or in larger batches
• Forward flow agreements, where claims are sold continuously over time
• Solution Rate Guarantee (SRG) and other hybrid models combining third-party collection and portfolio purchasing
• Across all solutions, the risk is transferred, while the seller receives immediate cash settlement

“We always begin with a thorough analysis of the portfolio. Our goal is to identify the structure that delivers the greatest value for the seller – both financially and operationally,” explains Juneja.

Why sell overdue receivables?

Companies that sell their portfolios often experience several benefits:

• Improved liquidity through immediate capital release
• Reduced administrative burden, particularly within finance and customer service
• Greater predictability in financial reporting and lower write-offs
• Increased strategic flexibility, including opportunities for investment and growth
• Many companies outside the financial sector have achieved significant improvements in cash flow and operational efficiency after selling aged receivables – without compromising customer relationships or brand reputation

“Receivables lose value over time – they are a perishable asset. By selling them at the right time, companies can unlock value that would otherwise be lost,” says Juneja.

Strong expertise and Nordic presence

Anmol Juneja brings extensive international experience in investments, portfolio management and credit, and leads Kredinor’s portfolio purchasing activities across the Nordics. Together with local teams in each market, Kredinor ensures strong market understanding, responsible processes and a high level of transparency.

“We combine analytics, cross-industry experience and close, constructive dialogue with sellers. This enables us to act as a reliable, long-term partner – even in more volatile market conditions,” Juneja concludes.