Instant Factoring - Bucharest, Romania

Instant Factoring is a fintech platform that provides small businesses with fast access to liquidity, with the goal of helping them grow. Our platform uses robot-underwriting, blockchain technology for transactions transparency, and machine learning based credit risk algorithms to make fast credit decisions. Our mission is to create flexible and innovative financing solutions for small businesses, allowing them to reap the rewards of their hard work immediately by transforming their invoices into cash quickly and without the hassle of bureaucracy or long waiting times.

Our platform is distinguished by its patented internal credit-scoring tool, which leverages artificial intelligence and predictive analytics. We have registered the invoice portfolio ledger on the blockchain to prevent  

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fraud and double sale of invoices, and we plan to implement smart contracts and a payment ledger on the blockchain in the near future. We collect and process data from multiple sources to rate customer invoices, and offer upfront transparency on pricing. The internal algorithm is constantly being improved through machine learning, giving our business a significant competitive edge.

By the end of 2022, we anticipate that more than 15,000 small businesses will be using our services, with an average value of invoice financed of approximately EUR 2,000.