Waya360 - Factoring and invoicing on autopilot in your business system

Waya360 enables banks and financial institutions to integrate credit, leasing and invoice finance into a secure, scalable platform. Improve operational efficiency, enhance risk governance and accelerate growth — without increasing complexity.

Waya360 enables banks and financial institutions to integrate credit, leasing and invoice finance into a secure, scalable platform. Improve operational efficiency, enhance risk governance and accelerate growth — without increasing complexity

Future-proof and scale your invoice finance, credit and leasing operations

Enter your current accounts receivables balance.

Enter the value of your sales on invoice for the last 12 months.

Calculate your DSO and see how much liquidity you can free up with Waya. With Waya's invoicing services, you get paid faster. By measuring DSO (Days Sales Outstanding), you can see how many days it takes on average to receive payment after a sale on invoice.

This means more money available for salaries, purchases, and investments.

👉 Lower DSO = better cash flow

With Waya, you bring your entire Invoice-to-Cash process together with one partner – from invoicing and payments to reminders, collections, and financing. You keep your ERP system, and we take care of the rest.System-independent, smart, and scalable. The future of invoicing starts here.

System-independent, adaptive, and ready for both today's and tomorrow's needs. The future of invoicing is already here – switch to Waya360 and consolidate everything with one provider, on one platform.

The service Waya360 allows you to reduce the number of payment days by approximately 17 days. In this way, you improve the company's working capital by around 30 percent.

Tough times require new ways of thinking, with Waya360 you get full automation of the entire invoice lifecycle, which saves time and money, accelerates liquidity and increases customer satisfaction.

Waya360 – a new generation AR platform at your service!

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Aspia AB is a group of companies made up of the accounting firms from PWC and KPMG. The companies help businesses at different stages with their finances, in the form of accounting and advisory services.

Customer reference – Aspia | Waya

If you have questions about Waya360°, you are welcome to contact us at:

Folkpool is a merger of 13 pool suppliers spread across Sweden. Together they offer one of the market's largest ranges of pools and spa baths to their customers.

Customer reference – Folkpool | Waya

Gigger Group AB is a holding company that uses dynamic employment based on the gig economy. The company finds jobs for its “giggers” and administers and handles their salaries. Gigger Group AB is listed on Nasdaq First.

Gigger Group AB is a holding company that uses dynamic employment based on the gig economy. The company finds jobs for its “giggers” and administers and handles their salaries.

Customer reference – Gigger Group | Waya

Hemnet is Sweden's largest housing platform and a meeting place for estate agents, home sellers and buyers. This search tool plays a very large role in the housing market today.

Customer reference – Hemnet | Waya

Lowell is Europe's second-largest player in credit management and debt collection services. The company offers a complete solution across the credit cycle for everything from small to large businesses.

Partner reference – Lowell | Waya

SEB is a financial group whose operations extend far beyond the borders of Sweden. At SEB, companies get help with finance and advisory services to grow further. SEB is a partner of Waya's CleanUp service.

Partner reference – SEB | Waya

The e-commerce company Webhallen has chosen Waya as its new supplier of financial services. The complete cloud service has enabled Webhallen, one of the largest retailers in the Nordics in gaming and technology, to strengthen its installment payment offering, give customers a better experience and simplify invoice and debt collection management.

The e-commerce company Webhallen has chosen Waya as its new supplier of financial services. Webhallen was founded back in 1999 and is today one of the leading retailers in the Nordics in games, film, hardware, gadgets and consumer electronics.

Customer reference – Webhallen | Waya

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For all companies wanting help to increase their liquidity by online reminders and debt collection.

Online Debt Collection & CleanUp

For larger corporate customers who wish to automate their entire invoice administration and strengthen their working capital - all directly from their business system.

Waya360 - Company

For Bank & finance customers who wish to focus on their core business in finance and let Waya orchestrate the entire invoice administration.

Waya360 - Bank & Finance

See how Waya360 simplifies your invoice management and gives you full control over your working capital.

Gain complete visibility of the invoice lifecycle with real-time financial monitoring and reporting.

Through Waya Connect, you get a seamless experience both to and from your existing business system, from retrieving invoice information to ticking and bookkeeping.

A complete claims handling service with a customer satisfaction rate of 90%.

Increase liquidity by selling invoices, offering credits, BNPL services, or with Waya's financing partners.

Automate the entire invoice lifecycle including distribution, reminders, payments and bookkeeping.

Customer credit monitoring and assistance with financial disputes, negotiations and court action.

From customer due diligence and credit assessment to invoicing, financing and payment – fully automated. The result? Less manual work, stronger cash flow, and increased profitability.

While invoice financing is an essential aspect of the financial landscape, it's not at the heart of a bank's core business. The real value for banks lies in the volume of lending and financing they facilitate. With this focus, banks don't have to operate invoice financing solutions themselves, freeing them to concentrate on what they do best. Discover how our platform can take on the administrative burden, allowing banks to optimize their lending and financing operations.

Current banking operations often run with suboptimal efficiency, serving as a bottleneck that hampers overall productivity. With a largely manual system, operational exposure is not only significant but also costly. For these reasons, there is a pressing need for banks to seek out more efficient operational setups. Explore how Waya360 for Banks can transform these pain points into avenues for optimization, and pave the way for a more streamlined and cost- effective future in banking.

Banks often relegate IT development to the back burner, despite accumulating a significant backlog of IT development debt. This legacy is becoming increasingly problematic, especially as digital-first competitors raise the stakes. Unfortunately, IT resources are earmarked for non-core operations, amplifying the pressure on traditional banking systems. Discover how our comprehensive solutions can help banks recalibrate their IT priorities and remain competitive in this rapidly evolving digital landscape.

As customer preferences evolve, banks face increasing pressure to deliver a superior, digital- first experience. Modern consumers, now more tech-savvy than ever, are actively seeking out more streamlined and convenient solutions. This growing demand amplifies the competitive pressure from digital challengers that are already ahead in the game. Explore how our innovative solutions can help traditional banks not just catch up, but lead the way in customer experience and digital transformation.

Partner reference – SEB

What our partner SEB says about us