Products

Resources

Kuik

  • Press
Customer Support
+90 850 3095845KUIK
Sales
[email protected]

Kuik does not directly provide any financing. Kuik acts as an intermediary for financing solutions, and all financial processes are carried out through Kuik's partnered banks and financial institutions. Kuik serves as a technology-based bridge between its users and financial institutions.

Account opening, onboarding, and payment services are provided by Narvi Payments Oy Ab, an electronic money institution regulated by the Finnish Financial Supervisory Authority (FIN-FSA). Kuik does not provide regulated payment or e-money services.

The Kuik Master Card, The Kuik Master Corporate Card and the Kuik Master Commercial Card are issued by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited. Visa is a registered trademark of Visa Europe Limited.

*Services provided by Narvi Payments Oy Ab, a regulated EMI.**Cards issued by Stripe.
© 2026 KuikPrivacyTermsSecurityCookies

Average Processing

<2 Hours

Platform Fee

From 3%+VAT

Your Invoice at Kuik, Cash in Your Pocket

Collect your receivables from Kuik Club restaurants without waiting for maturity. Convert to cash instantly, beat inflation.

Invoice Converted

47 min ago

€4,850Complete

Supplier Financing

Instant CashFrom 3%+VAT<2h Processing

Convert your receivables to cash without waiting for maturity, — protect against inflation, keep your cash flow uninterrupted.

Invoice to Cash

Invoice Amount

€10,000

Platform Fee (3%)-€300
Net Payment€9,700

Awaiting Restaurant Approval

Convert Invoices to Instant Cash

Collect receivables from Kuik Club restaurants without waiting for maturity. Upload your invoice, get restaurant approval, cash in your account.

  • Convert unpaid invoices to instant cash
  • Valid for Kuik Club restaurant invoices
  • Processing starts with restaurant approval
  • Cash deposited directly to your account

Cost Calculator

Invoice Amount

€5,000
Invoice Amount€5,000
Platform Fee (3%)€150
VAT€30
Net Payment€4,820

Platform Fee from 3%+VAT

Clear and transparent pricing. Only 3%+VAT platform fee on your invoice amount — no hidden costs, no surprises.

  • Competitive rate starting from 3%+VAT
  • No hidden costs or extra charges
  • Clear cost calculation before transaction
  • Volume-based custom pricing available

Value Comparison

Collect Today

€10,000

Today's value

Wait 90 Days

€10,000

Real value ↓

Inflation Loss-€180

~1.8% estimated loss over 90 days

💡 Collect today, prevent value loss

Protect Against Inflation

When you wait for maturity, your money loses value. Convert receivables at today's value — eliminate the impact of inflation.

  • Preserve today's value of your money
  • Prevent depreciation until maturity
  • Instant cash opens new investment opportunities
  • Make your cash flow predictable

Shopping Credit

30

days

60

days

90

days

120

days

Purchase Amount€7,500
Term90 Days
Daily Cost0.09%

Buy now, pay in 90 days

Use BNPL for Your Own Purchases

Apply for a Shopping Credit limit and buy from your own suppliers or manufacturers with 30–120 day terms. Buy now, pay later.

  • 30–120 day terms for your own purchases
  • Instant purchasing from suppliers & manufacturers
  • Buy now, pay later flexibility
  • Transparent daily-cost-based pricing

Transaction Process

10:00

Invoice uploaded

10:12

Restaurant notified

10:35

Restaurant approved

11:20

Cash transferred

⚡ Total: 1 hour 20 minutes

Processing in Under 2 Hours

Upload your invoice, restaurant approves — typical transactions complete in under 2 hours. Fast, secure, and fully digital.

  • Average processing time under 2 hours
  • Restaurant approves term & transaction
  • Fully digital, no branch visit needed
  • Track transaction status in real time

COMPARISON

Kuik Supplier Financing vs. Traditional Factoring

The modern way to collect your receivables.

Kuik Supplier Financing

Traditional Factoring

Processing Time

Under 2 hours

Processing Time

Days or weeks

Platform Fee

Transparent pricing from 3%+VAT

Platform Fee

Hidden commissions and extra costs

Paperwork

Fully digital, no paperwork needed

Paperwork

Heavy paperwork and branch visits

Ready to convert your receivables to instant cash?

Financial services are provided by licensed banks or financial institutions. Kuik acts as an intermediary for financial services. Platform fees may vary based on market conditions.

Frequently Asked Questions

Who can use this service?

Suppliers who have receivables from Kuik Club registered restaurants. The restaurant must be a Kuik Club member with an active Shopping Credit limit.

How long does a transaction take?

Typical transactions complete in under 2 hours. Once the restaurant approves the term and transaction, cash is quickly transferred to your account.

What is the platform fee?

A platform fee starting from 3%+VAT is applied on the invoice amount. Volume-based custom pricing is also available.

What does the restaurant need to do?

The restaurant must digitally approve the invoice term and transaction on the Kuik platform. The approval process is fully digital and completes in minutes.

Can I also use BNPL for my own purchases?

Yes, by applying for a Shopping Credit limit you can purchase from your own suppliers or manufacturers with 30–120 day terms.

How does this protect against inflation?

By converting your receivables to cash at today's value instead of waiting for maturity, you avoid the value loss caused by inflation.

Convert Your Receivables to Cash

Collect your receivables from Kuik Club restaurants instantly. Beat inflation, strengthen your cash flow.