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The selections are made by others. Suomen Paras has not evaluated these selections, and they do not affect the Suomen Paras Score. All recognitions
On the basic metrics alone, the score was 71.5 and the rank 3. The score is now 56.8 and rank 4 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
Svea Bank AB:n Suomen sivuliike kuvaa factoring-palvelun laajasti: se hoitaa rahoituksen, laskutuksen, reskontran, maksumuistutukset ja perinnän, ja kertoo että factoringissa luottoriski säilyy useimmiten yrityksellä. Kustannuksen kululajit eritellään, mutta ilman prosentteja, eikä rahoitusastetta kerrota. Y-tunnus ja yhteystiedot ovat esillä.
Buying motives checked 12.10.2026 and basic metrics measured 24.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Price is shown before the quote | 20 p × 50.0 % | 10.0 |
| Bearer of credit loss | 14 p × 50.0 % | 7.0 |
| Money to your account | 10 p × 40.0 % | 4.0 |
| Financing ratio | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 71,5 | 35.8 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price is shown before the quote NOTEThe price is company-specific and a separate quote is always made. | Commission depends on the invoice payment term, price as a quote | svea.com checked 12.10.2026 | 10.0 / 20 |
| Bearer of credit loss | Svea may bear the credit risk | svea.com checked 12.10.2026 | 7.0 / 14 |
| Money to your account NOTEThe page also mentions elsewhere the possibility of getting the money within the same day. Scoring is based on the more cautious figure. | Money in your account within 1–2 working days | svea.com checked 12.10.2026 | 4.0 / 10 |
| Financing ratio | The financing rate is not mentioned on the invoice financing page or in its FAQ. | svea.com, Invoice financing checked 12.10.2026 | 0.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 91,7 | 27.5 |
| Transparency | 30 % × 62,5 | 18.8 |
| Reachability | 20 % × 60,0 | 12.0 |
| AI quality score | 20 % × 66,1 | 13.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 80/100 | Technical measurement | 32.0 / 40 |
| Accessibility | 99/100 | Technical measurement | 29.7 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Commission or fee (% of invoice or cost types) shown without a request for quotation OBSERVATION"Factoring-palvelusta maksetaan yleensä korkoa lainasta, limiittiprovisiota, prosentuaalista palkkiota sekä laskujen käsittelymaksu"; HAVAINTO: numeroita ei anneta | Partly | Website + AI extraction | 12.5 / 25 |
| Advance rate, i.e. the share of the invoice amount paid immediately, stated OBSERVATIONheti maksettavaa osuutta laskun summasta ei kerrota tuotesivulla | No | Website + AI extraction | 0.0 / 15 |
| Recourse clause and bearer of credit risk stated OBSERVATION"factoring eroaa laskurahoituksesta siten, että luottoriski säilyy useimmiten yrityksellä itsellään, eikä siirry rahoitusyhtiölle" | Yes | Website + AI extraction | 15.0 / 15 |
| Service model stated (whole ledger or selective, whether ledger and collection are included) OBSERVATION"Hoidamme myyntilaskujen rahoituksen, laskutuksen, reskontran, maksumuistutusten lähettämisen sekä perinnän" | Yes | Website + AI extraction | 15.0 / 15 |
| Contract terms displayed (commitment, minimum amount or limit, termination) OBSERVATIONsivustolla on erillinen sopimusehdot-sivu, mutta factoring-sivulla ehtoja ei eritellä | Partly | Website + AI extraction | 5.0 / 10 |
| Application process and speed of financing stated OBSERVATION"muunnat yrityksesi myyntisaatavat rahaksi nopeasti"; HAVAINTO: tarkkaa aikaa ei anneta | Partly | Website + AI extraction | 5.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONLaskutustiedot: Svea Bank AB, filial i Finland (3237195-7) | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONPuhelinnumero 09 4242 300 esillä | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONSähköposti laskutus@svea.fi esillä | Yes | Website + AI extraction | 15.0 / 15 |
| Chat support OBSERVATIONchat-tukea ei mainita factoring-sivulla | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown OBSERVATIONaukioloaikoja ei näytetä factoring-sivulla | No | Website + AI extraction | 0.0 / 15 |
| FAQ section OBSERVATIONSivulla on usein kysytyt kysymykset | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONmobile app not mentioned | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 74/100 | AI analysis | 25.2 / 34 |
| Findability of pricing | 52/100 | AI analysis | 17.2 / 33 |
| Content coverage | 72/100 | AI analysis | 23.8 / 33 |
Are you a Svea customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +29.3 points: 56.8 → 86.1, rank 4 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
