Instant Factoring

About Instant Factoring

Instant Factoring, a Romanian non-banking financial institution (NBFI), commenced operations in 2018 to address the financing gap for small and medium-sized enterprises (SMEs). The company was founded by a team with deep roots in the financial and entrepreneurial sectors, including Elisa Rusu, who serves as CEO, and Cristian Ionescu, the CFO. Their collective background in banking and SME financing directly informed the creation of a streamlined financial solution for an underserved market. The firm focuses on providing factoring services, a financial transaction where a business sells its accounts receivable (invoices) to a third party at a discount.

The business model centers on its online platform, which allows entrepreneurs and companies to access financing quickly and entirely online. Clients can upload their invoices to the platform, and upon approval, receive the funds within 24 hours. This provides immediate liquidity, helping businesses manage their cash flow and cover urgent operational needs without waiting for the standard 30, 60, or 90-day payment terms from their clients. Revenue is generated from the fee charged for this service, which is a percentage of the invoice value.

Instant Factoring's target market consists of Romanian micro-enterprises, small, and medium-sized companies that often struggle to secure traditional bank financing due to stringent requirements or lengthy approval processes. The platform's primary benefit is its speed and accessibility, transforming a typically bureaucratic process into an efficient, digital one. By converting unpaid invoices into immediate cash, Instant Factoring enables these smaller companies to sustain operations, invest in growth, and accelerate their business development. The company has secured significant funding to support its operations, including a notable bond issuance on the Bucharest Stock Exchange, demonstrating investor confidence in its model and market position.