Home › Invoice financing and factoring › Vauraus
On the basic metrics alone, the score was 74.8 and the rank 2. The score is now 75.4 and rank 1 (▲ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
Vauraus Suomi Oyj kertoo laskurahoituksen ehdot poikkeuksellisen avoimesti: rahoitusaste on 100 prosenttia laskun summasta, luottotappioriski siirtyy kokonaan Vauraudelle ja palvelu kattaa reskontran ja perinnän. Y-tunnus, puhelin ja aukioloajat ovat esillä. Tarkkaa rahoitusprovisiota ei kuitenkaan julkaista, vaan se sovitaan sopimuksessa.
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 × 100.0 % | 14.0 |
| Money to your account | 10 p × 80.0 % | 8.0 |
| Financing ratio | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 74,8 | 37.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price is shown before the quote NOTEThe amount of the commission is not published. | The only cost is the financing commission, the amount of which is agreed in the contract | vauraus.fi checked 12.10.2026 | 10.0 / 20 |
| Bearer of credit loss | The credit loss risk passes entirely to Vauraus | vauraus.fi checked 12.10.2026 | 14.0 / 14 |
| Money to your account NOTEThe number of hours is not stated. | Money in the account immediately after the invoices are sold | vauraus.fi checked 12.10.2026 | 8.0 / 10 |
| Financing ratio | Financing 100% of the invoice amount | vauraus.fi checked 12.10.2026 | 6.0 / 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 % × 79,2 | 23.8 |
| Transparency | 30 % × 82,5 | 24.8 |
| Reachability | 20 % × 60,0 | 12.0 |
| AI quality score | 20 % × 71,4 | 14.3 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 59/100 | Technical measurement | 23.6 / 40 |
| Accessibility | 97/100 | Technical measurement | 29.1 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Commission or fee (% of invoice or cost types) shown without a request for quotation OBSERVATIONSivulla: "Hinnoittelu perustuu selkeään rahoitusprovisioon ilman piilokuluja"; HAVAINTO: prosenttilukua ei anneta, provisio sovitaan sopimuksen yhteydessä | Partly | Website + AI extraction | 12.5 / 25 |
| Advance rate, i.e. the share of the invoice amount paid immediately, stated OBSERVATION"Vauraus rahoittaa 100 % laskun summasta, kun useimmat kilpailijat rahoittavat vain 50–80 %" | Yes | Website + AI extraction | 15.0 / 15 |
| Recourse clause and bearer of credit risk stated OBSERVATION"Luottotappioriski siirtyy kokonaan Vauraudelle, eikä yritykselle synny lisäkuluja, vaikka asiakas ei maksaisi laskuaan" | Yes | Website + AI extraction | 15.0 / 15 |
| Service model stated (whole ledger or selective, whether ledger and collection are included) OBSERVATION"Vauraus hoitaa myyntireskontran ja perinnän verkossa"; laskurahoituksessa yritys myy myyntilaskunsa Vauraudelle | Yes | Website + AI extraction | 15.0 / 15 |
| Contract terms displayed (commitment, minimum amount or limit, termination) OBSERVATIONpalvelumalli kuvataan kolmivaiheisena, mutta tarkkoja sopimusehtoja ei eritellä tuotesivulla | Partly | Website + AI extraction | 5.0 / 10 |
| Application process and speed of financing stated OBSERVATIONKolmivaiheinen prosessi: "Saat rahat heti tilille"; laskut rahaksi nopeasti | Yes | Website + AI extraction | 10.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONSivustolla näkyy Y-tunnus 2440326-9 (Vauraus Suomi Oyj) | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONPuhelinnumero 020 33 2233 esillä | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONsähköpostiosoitetta ei näytetä selkeästi | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATIONchat support is not mentioned | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown OBSERVATIONAsiakaspalvelun aukioloajat esillä (ma-pe klo 9 alkaen) | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONThe website has frequently asked questions (FAQ) | 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 | 80/100 | AI analysis | 27.2 / 34 |
| Findability of pricing | 58/100 | AI analysis | 19.1 / 33 |
| Content coverage | 76/100 | AI analysis | 25.1 / 33 |
Are you a customer of the Vauraus service? 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 +21.6 points: 75.4 → 97.0, and your lead over number two grows 6.2 → 27.8.
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.
The #1 badge is awarded only to the measured #1 in the Invoice financing and factoring category, and it works as a link to this public profile. The badge stays yours permanently: if the top spot ever changes, the badge automatically updates to show the period when you were #1. Rankings and badges cannot be bought.
