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Money from invoices within 3 days

You did the work, so why wait to get paid?
Financing price

Shortening the maturity

Within 3 days you receive 75% of the invoice, the remaining amount is sent to you following payment by the customer.

Fast

Approval within 24 hours. You do not need to provide accounting statements. We evaluate the creditworthiness of your customer. Everything is done online.

Flexible

No limits or maximum volumes. It's up to you how many invoices and how often you have them financed.
Invoices with value
from 25 000 CZK
Suitable for new as well as established companies and self-employed persons
Customers within
EU-wide

Financing price

days
In 3 days on your account
187 500 CZK
Total financing price
- 4 815 CZK
Rest to your account
after your buyer pays
+ 57 685 CZK
Total financing price from invoice value
1,93 %
Get an offer
The price is a weighted average. The specific offer may vary based on the billing volume, due date, and evaluation of your customer.

How Roger Payment Works

Send us invoices

It is up to you which invoices you want to shorten the due date. You can send them to us via email, client interface or directly from your accounting system.

We will check and confirm

We'll check that everything is in order and confirm the funding for you. It will only take us a few hours.

Money in your account within 3 days

Within 3 days you receive 75% of the invoice, the remaining amount is sent to you following payment by the customer.

Under clear conditions

Simplicity

Without the need for accounting statements.
The creditworthiness of the customer is important to us.

Transparency

No hidden fees or limits.
You only pay when you finance.

Quickness

We approve funding within 24 hours.
The money is in your account within 3 days.

When entrepreneurs approach us

We don't have a recipe for everything. But there are situations where shortening invoice payments is the right choice.
Investment in company development
Extraordinary cost recovery
The customer extended the maturity
Covering seasonal fluctuations
Getting a big new contract
The shortening of the maturity of invoices, or factoring, provides you with sufficient working capital that you can use immediately to grow your business.
Get an offer
Logo Roger KB
Roger a.s. is part of the Komerční banka group. For more than 10 years, we have been ensuring that entrepreneurs do not have to wait for invoices to be paid and thus have sufficient funds to operate and develop their business.

1296

entrepreneurs have used Roger

...

financed

Frequently asked questions

Roger Payment helps strengthen supplier positioning and helps companies grow. It also brings flexible receivables financing.

Benefits:

  • cash for long overdue invoices within 3 days.
  • instead of waiting for money, companies can get on with business
  • also available to sole traders and small businesses
  • debt-free
  • optimise operational cash flow as required
  • everything handled online
  • no need for financial statements
  • fast approval process
  • no need to forward all invoices or guarantee volumes
  • no upfront or other hidden fees

It depends on the length of invoice maturity, industry and invoice volume. The average cost of recourse factoring through Roger Payment is 1.93% of the invoice value. You can calculate the realistic amount in our calculator.

To deal with cession of receivables, we are usually adressed by:

  • Small and medium-sized companies or tradesmen who supply their goods or services to major players on the market at times of seasonal fluctuations (during Christmas, at the beginning of the school year, etc.), new orders or extended due dates.
  • Companies for which the overdraft or operating credit limit is not sufficient.
  • Companies in sectors such as e-commerce, FMCG, logistics, HR, construction, engineering, IT, marketing or agriculture.
  • Have a customer with a turnover of at least 200 million CZK.
  • Not to face foreclosures and insolvency.

If you meet these conditions, please contact us by phone, e-mail or send us a form. We will get back to you, answer any questions you may have and together we will agree on the details.

The entire process of cession of receivables (factoring) can be set up online, from the request to the signing of the contract. However, we would be happy to meet with you in person to set up cooperation.

Traded invoices are always issued for creditworthy customers. Each customer undergoes an initial risk analysis and must:

  • have an annual turnover of at least CZK 200 million,
  • pay their obligations on time,
  • be based within the European Union.

Unfortunately, we cannot help you with overdue invoices.

We try to minimize late payment of invoices even before the start of financing, because we carefully assess the creditworthiness of the customer and his payment morality.

Throughout the financing process, we send you automatic notifications if your invoice is overdue. The earliest date for settlement of a financed invoice is the 60th day after the due date, when the so-called protection period ends.

Roger also finances new companies. In terms of business history, it is essential for us to have a customer that has been in profit for at least 3 years. If you as a supplier do not face foreclosures and have a clear ownership structure, cooperation with Roger Payment Institution (factoring company) is possible.

Customers pay the assigned receivables to the bank account of Roger Payment Institution, which is in a special regime. Roger is licensed by the Czech National Bank and publishes these accounts in the VAT register.

In Roger Payment, you choose which invoices you want to fund. The whole process is handled online and without wasting time in the banks. Small businesses often can't get bank factoring, but we focus on evaluating your customers. These are the main differences between bank factoring and our factoring - Roger payment.

  • You select the invoices to be funded and send them to Roger.
  • Investors compete for your receivables on the auction portal.
  • The lowest bidder will finance it.
  • We'll send you 75% of the value of the claim within 3 days.
  • You'll get the remaining 25% when the buyer pays.

We finance invoices from CZK 25,000 and above issued for one customer or a package of invoices with a total value of CZK 25,000 for one customer.

The ideal maturity of invoices is between 21 and 120 days.

An advance or proforma invoice cannot be financed, as it is a document relating to the quantity and price that is sent by the supplier to the customer prior to the delivery of services or goods. Only deliveries of goods or services that have already taken place can be financed using Roger Payment.

You can read information about the processing of personal events here.

Don't wait for invoices to be paid

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