Blog
Discover our latest articles on invoice and payment management in Switzerland.
What is a cash flow statement and how does it help you track your cash flow
The cash flow statement shows you how money actually flows through your business. Unlike accounting profit, it reveals your actual cash inflows and outflows. An essential tool for anticipating your liquidity needs and avoiding unpleasant surprises.
Early payment discount or rebate: how much does it cost your business?
Offering a 2% discount for early payment may seem harmless, but it often represents an annualised cost of 36% or more. Discover how to calculate the true cost of a discount, assess its impact on your cash flow and determine the reasonable limits not to exceed.
Document retention: your obligations for 10 years
In Switzerland, the law requires you to retain your accounting documents for 10 years. Invoices, bank statements, VAT documents: legal archiving concerns all entrepreneurs and self-employed individuals. Discover your precise obligations, the new digital retention rules in force since 2025, and how to organise your archiving in full compliance.
Late payment interest: how (and how much) to charge a client for late payment
A client isn't paying on time? You can legally charge late payment interest in Switzerland. Discover the applicable legal rate, how to calculate this interest and which clauses to include in your invoices to protect your cash flow.
VAT on exports: how to invoice foreign clients?
Exporting goods or services abroad generally allows you to invoice without Swiss VAT, but the rules vary depending on the destination country and the nature of the service. This guide details the exemption conditions, mandatory documentation and the information to include on your invoices to remain compliant.
Dispute management: reminders, debt collection and recovery of unpaid invoices
Unpaid invoices directly affect your cash flow. Amicable reminders often remain effective, but sometimes you need to go further. Discover the concrete steps of reminders, Swiss legal procedures and how to prevent unpaid invoices.
Invoicing deposits: managing partial payments and customer advances
Requesting a deposit helps secure your cash flow and limit risks on large projects. But how do you create a compliant deposit invoice, manage VAT and track partial payments? This guide explains the practical steps and mandatory information for invoicing advances in Switzerland.
Open banking: where do we stand and what benefits for SMEs?
Open banking promises to transform business financial management by directly connecting management systems to bank accounts via secure APIs. In Switzerland, the legal framework is gradually evolving and opening up new opportunities for SMEs. Discover the state of the Swiss market and the concrete benefits of this banking revolution for your business.
CAMT bank files: what are they and what are they for?
CAMT files are the new Swiss banking standard for electronic account statements. They replace old formats and enable automated bank reconciliation. Discover how to obtain and use them in your accounting.
UID number: what is it for and how to obtain your business number
The UID number is your company's unique identifier in Switzerland, mandatory from the start of your activity. Discover what it's for, how to obtain it according to your situation and how to use it correctly on your invoices.
Accounting: do it yourself or delegate to a fiduciary?
Keep your accounts yourself or delegate to a fiduciary? This decision directly impacts your costs, your time and the compliance of your management. Discover a detailed financial comparison to choose the option best suited to your situation.
Choosing the right invoicing software: 8 criteria to consider
Choosing invoicing software isn't just about comparing prices. Between Swiss compliance, essential features and ease of use, 8 key criteria will help you identify the solution that truly matches your business needs.
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