{"product_id":"rantefaktura-drojsmalsranta-rantekrav-b2b-2027","title":"Interest Invoice \u0026 Late Payment Interest B2B 2026\/2027 – Interest Claim, Calculation \u0026 Excel | Word\/PDF","description":"\u003csection class=\"mb-doc-product\"\u003e\n\u003ch2\u003eInterest invoice and late payment interest – template package for companies\u003c\/h2\u003e\n\n\u003cp\u003eDoes a company need to draw up an \u003cstrong\u003einterest invoice or an itemized interest note\u003c\/strong\u003e following a late B2B invoice? With this package, you get an editable interest demand, a separate interest period appendix, a ledger for actually received partial payments, and templates for corrections, disputes, and legal verification. The Excel register calculates the number of days and administrative interest based on \u003cstrong\u003emanually verified period interest rates\u003c\/strong\u003e, not an automatically guessed interest rate.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #197C8A;border-radius:13px;background:#EAF6F8;padding:19px 22px;margin:20px 0\"\u003e\n\n\u003ch3 style=\"margin:0 0 7px\"\u003e01. Package contents\u003c\/h3\u003e\n\n\u003cp style=\"margin:0\"\u003e\u003cstrong\u003e7 editable Word documents (DOCX), 7 corresponding searchable PDF files, and 1 Excel workbook (XLSX).\u003c\/strong\u003e A total of 15 files in a digital ZIP. Five Swedish work templates, one Swedish user guide, and one English user guide. 2027 edition for Swedish B2B monetary claims.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #B6CCD6;border-radius:13px;background:#F3F8FA;padding:19px 22px;margin:20px 0\"\u003e\n\n\u003ch3 style=\"margin:0 0 7px\"\u003e02. What the files contain\u003c\/h3\u003e\n\n\u003cp style=\"margin:0\"\u003eInterest demand with invoice reference, interest basis per period and capital, capital settlement ledger, correction of interest note, legal and accounting verification, guides, and Excel with nine tabs and a dashboard. No future reference rates are entered automatically, and no right to interest is established by Excel.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eComplete list of files\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"border-collapse:collapse;width:100%;font-size:.94em\"\u003e\n\n\u003cthead style=\"background:#EDF4F6\"\u003e\u003ctr\u003e\n\n\u003cth style=\"padding:9px\"\u003eNo.\u003c\/th\u003e\n\n\u003cth\u003eDocument\u003c\/th\u003e\n\n\u003cth\u003ePurpose\u003c\/th\u003e\n\n\u003cth\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e01\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eInterest invoice and interest demand B2B\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eSeparate demand for accrued late payment interest with original invoice and interest basis.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e02\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eInterest periods and calculation appendix\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eManually verified annual interest per half-year, capital, date, days, and amount.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e03\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003ePartial payments and capital settlement\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eActually received payments and how they were offset against capital, interest, and costs.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e04\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eCorrection and response to objections\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eCorrect a previous interest demand and document disputes and dispatches.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e05\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eVerification – interest, VAT, and debt collection\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eLegal checklist questions, fee limitations, vouchers, and approval.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e06\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eSwedish user guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eThe Interest Act, interest periods, VAT, practical workflow, and calculation examples.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e07\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eEnglish User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eEnglish guidance for the Swedish Word and PDF work documents.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e08\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003e\u003cstrong\u003eExcel – late payment interest 2027\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eNine tabs with Dashboard, Receivables, Interest Periods, Payments, Interest Demands, Objections, Verification, Settings, and Read Me.\u003c\/td\u003e\n\n\u003ctd style=\"border:1px solid #dbe7ea;padding:9px\"\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003ch2\u003eWhen is it permissible to charge late payment interest?\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe Interest Act (1975:635)\u003c\/strong\u003e contains separate rules for a claim with a predetermined due date (Section 3) and certain demand-based situations (Section 4). In a commercial relationship, Section 4a must also be considered. Therefore, do not start calculating from an arbitrary date. Check the original contract, the invoice due date, any demand period, and that the claim is truly liable for payment.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe difference between an invoice and an interest demand:\u003c\/strong\u003e First, ensure that the original invoice has correct supporting data, payment terms, and due date. Our \u003ca href=\"\/en\/blogs\/fakturering-juridisk-radgivning\/fakturamall-faq\"\u003eguide to invoice templates for companies and mandatory invoice details\u003c\/a\u003e covers the standard invoice. The interest package is used only after separate verification of the right to late payment interest; an interest note does not replace the original invoice.\u003c\/p\u003e\n\n\u003ch2\u003eWhat is the current statutory late payment interest?\u003c\/h2\u003e\n\n\u003cp\u003eAccording to \u003cstrong\u003eSection 6 of the Interest Act\u003c\/strong\u003e, the interest is as a general rule the Riksbank's current reference rate plus \u003cstrong\u003e8 percentage points\u003c\/strong\u003e when the provision is applicable. The reference rate is decided according to Section 9 for each calendar half-year. During \u003cstrong\u003eJuly 1–December 31, 2026, the reference rate is 2.00%\u003c\/strong\u003e, which in the standard case means an interest rate of \u003cstrong\u003e10.00% per year\u003c\/strong\u003e for this specific period. For 2027 and future years, the current reference rate must be checked again. \u003ca href=\"https:\/\/www.riksbank.se\/sv\/statistik\/rantor-och-valutakurser\/referensranta\/\"\u003eSee the Riksbank's official reference rate\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003ch2\u003eHow is late payment interest calculated in Excel?\u003c\/h2\u003e\n\n\u003cp\u003eExcel uses manually entered interest-bearing capital debt, start date inclusive, end date exclusive, manually verified annual interest, and the chosen documented annual basis. The calculation method is simple interest: \u003cstrong\u003ecapital × annual interest × number of days \/ annual basis\u003c\/strong\u003e. The calculation aid has 365 as an editable example basis, not as a legal universal solution. Every interest change or actual capital payment must be assigned to the correct period. No interest is automatically applied to previous interest.\u003c\/p\u003e\n\n\u003cp\u003eExample of pure mathematics: SEK 10,000 × 10% × 10 days \/ 365 = \u003cstrong\u003eSEK 27.40\u003c\/strong\u003e. This does not mean the interest demand is legally correct until the right to interest, start date, and amount have been verified. The dashboard distinguishes between calculated interest and interest periods with \u003cstrong\u003emanually approved\u003c\/strong\u003e status.\u003c\/p\u003e\n\n\u003ch2\u003eVAT, late payment compensation, and debt collection costs\u003c\/h2\u003e\n\n\u003cp\u003eThe Swedish Tax Agency states that late payment interest based on a debt relationship is normally \u003cstrong\u003enot included in the taxable basis for VAT\u003c\/strong\u003e. However, the original invoice's VAT must be handled correctly. Late payment compensation between traders, as well as costs for reminders, debt collection demands, and repayment plans, are regulated separately, including through the \u003cstrong\u003eAct (1981:739) on compensation for collection costs, etc.\u003c\/strong\u003e The package does not add such amounts automatically.\u003c\/p\u003e\n\n\u003ch2\u003eHow to use the templates\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eVerify that the original invoice, the parties, and the agreed due date are correct.\u003c\/li\u003e\n\n\u003cli\u003eAssess if and from what day late payment interest may be charged according to contract and applicable law.\u003c\/li\u003e\n\n\u003cli\u003eRetrieve the reference rate for each current calendar half-year from the Riksbank.\u003c\/li\u003e\n\n\u003cli\u003eDivide into periods at every half-year shift, partial payment, and other change in interest-bearing capital.\u003c\/li\u003e\n\n\u003cli\u003eRegister the periods in Excel and verify the result.\u003c\/li\u003e\n\n\u003cli\u003eDraw up the interest note, check VAT and other claim costs separately, and attach the interest appendix.\u003c\/li\u003e\n\n\u003cli\u003eDocument dispatches, receipts, objections, and any corrections.\u003c\/li\u003e\n\n\u003cli\u003eRetain original documents and payment data with a correct ledger and audit trail.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eFrequently Asked Questions\u003c\/h2\u003e\n\n\u003ch3\u003eIs an interest invoice the same as a debt collection demand?\u003c\/h3\u003e\n\n\u003cp\u003eNo. An interest note specifies a claim for interest. Debt collection demands and cost compensation have their own legal requirements; the package does not replace a full debt collection procedure.\u003c\/p\u003e\n\n\u003ch3\u003eIs the late payment interest always 10%?\u003c\/h3\u003e\n\n\u003cp\u003eNo. 10% corresponds to the standard calculation during the second half of 2026 when the reference rate is 2% and Section 6 of the Interest Act applies. For other periods and contracts, a different interest rate may apply.\u003c\/p\u003e\n\n\u003ch3\u003eHow are partial payments handled?\u003c\/h3\u003e\n\n\u003cp\u003eOnly an actually verified capital settlement changes the capital base. Register a new period from the correct date so that the same capital is not charged interest after it has actually been settled.\u003c\/p\u003e\n\n\u003ch3\u003eShould VAT be added to the late payment interest?\u003c\/h3\u003e\n\n\u003cp\u003eLate payment interest resulting from a debt relationship is normally not included in the VAT taxable basis. Assess the true nature of the transaction separately and do not change the original invoice VAT automatically.\u003c\/p\u003e\n\n\u003ch3\u003eIs Excel a legally approved interest calculation?\u003c\/h3\u003e\n\n\u003cp\u003eExcel is an administrative calculation aid. You must check the right to interest, days, interest rates, any specific settlement order, prescription, and disputes individually.\u003c\/p\u003e\n\n\u003ch3\u003eAre the templates also available in English?\u003c\/h3\u003e\n\n\u003cp\u003eThe work templates are Swedish. The package contains a separate English User Guide but no English interest demand agreements.\u003c\/p\u003e\n\n\u003ch2\u003eRelated templates\u003c\/h2\u003e\n\n\u003cul\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/kravbrev-betalningspaminnelse-2026-2027-svenska-english-b2b-konsument-ranta-inkasso-word-pdf-excel\"\u003eDemand letter \u0026amp; payment reminder – Word\/PDF\/Excel\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/avbetalningsavtal-betalningsplan-b2b-mall-2027\"\u003eInstallment agreement \u0026amp; payment plan B2B\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/preskriptionsavbrott-fordringsbevakning-mall-2027\"\u003eStatute of limitations interruption \u0026amp; debt monitoring\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/fordringsoverlatelse-denuntiation-avtal-mall-2027\"\u003eAssignment of claims \u0026amp; denunciation\u003c\/a\u003e\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch2\u003eOfficial legal sources\u003c\/h2\u003e\n\n\u003cul\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/rantelag-1975635_sfs-1975-635\/\"\u003eThe Interest Act (1975:635), specifically Sections 3, 4, 4a, 6, and 9\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www.riksbank.se\/sv\/statistik\/rantor-och-valutakurser\/referensranta\/\"\u003eSveriges Riksbank – reference rate, including history\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-1981739-om-ersattning-for-inkassokostnader_sfs-1981-739\/\"\u003eThe Act (1981:739) on compensation for collection costs, etc.\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www4.skatteverket.se\/rattsligvagledning\/edition\/2026.12\/394224.html\"\u003eSwedish Tax Agency – what must be included in the taxable basis for VAT\u003c\/a\u003e\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eEdition 2027. Internal AI-assisted source and technical quality control October 20, 2026. The material has not been reviewed by an external lawyer or tax advisor. Limited to Swedish B2B monetary claims, not consumer credits or collection in specially regulated situations.\u003c\/small\u003e\u003c\/p\u003e\u003c\/section\u003e\u003csection class=\"mb-related-business-loan\" style=\"margin:20px 0\"\u003e\u003ch3\u003eRelated template: loan agreement between companies\u003c\/h3\u003e\n\n\u003cp\u003eLate payment interest on an overdue invoice must be distinguished from ordinary credit interest in a corporate loan. See loan agreement between companies with individual interest terms and loan prohibition checklist. \u003ca href=\"\/en\/products\/laneavtal-mellan-foretag-b2b-2027\"\u003eLoan agreement between companies B2B 2027 – Word, PDF \u0026amp; Excel\u003c\/a\u003e.\u003c\/p\u003e\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55899575910742,"sku":"RANTEKRAV-B2B-2027","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/rantefaktura-drojsmalsranta-2027-huvudbild.webp?v=1792479733","url":"https:\/\/mallbutiken.se\/en\/products\/rantefaktura-drojsmalsranta-rantekrav-b2b-2027","provider":"Mallbutiken","version":"1.0","type":"link"}