Most of those in freelance, start-up and seasonal businesses will have felt the frustration of having to wait for weeks or even months to get paid after sending out invoices. Normal payment periods become longer and longer; yet small and medium-sized suppliers’ expenses, such as taxes and restocking supplies, still have to be paid immediately. Using Denmark’s secure state-backed digitalisation system, Dansk Faktura Børs A/S allows suppliers to sell off single invoices quickly, while retaining up to 99.5 per cent of the face value of the invoice. When Dansk Faktura Børs A/S was founded in 2011, it was one of the first invoice/receivable marketplaces in mainland Europe.