We transform the future of financing.

Romania's first 100% digital factoring platform. Simple, fast, and accessible to any business, whatever stage it's at.

Every business deserves access to capital for growth.

Traditional financial systems have left too many businesses behind. We built a simple, digital alternative with no red tape.

80,000+

financing granted

10,000+

companies active on the platform

€323M+

transferred to customers’ accounts

The Instant Factoring story

2018

We got started. The first invoice financed in Romania.
Smiling man in a blue suit inside a modern Instant Factoring office.
Two men in suits smile on orange sofas during a factoring meeting.

2019

From 0.9M euro to 8.5M euro.
3,000+ invoices financed.

2020

The team grows to 12 people across 5 teams.
15.9M euro financed.
Seven colleagues from an invoice financing team stand together in an office, smiling at the camera.
Two smiling men in business attire stand before an Instant Factoring backdrop.

2021

We launched Instant Factoring in Serbia.
28M euro financed.

2022

40M euro financed across 15,000+ applications.
500+ active customers.
Four coworkers discuss invoice financing on a laptop, seated on a sofa in a modern office.
People seated in a circle in a bright conference room during an Instant Factoring discussion.

2023

Lorem ipsum

2024

We launched Instant Factoring in Spain.
84M euro financed.
Man giving a factoring presentation at a podium before a group in a modern conference space.
Man in a blue suit holding a microphone and trophy at an Instant Factoring event with bright lights.

2025

Awarded for the fifth year as

"Best Digital Factoring Platform".
104M euro financed across 3 countries.

Leadership team

Cristian Ionescu

Cristian Ionescu

Chief Executive Officer

Iulia Enea

Iulia Enea

Deputy General Manager

Andreea Paranțucă

Andreea Paranțucă

Chief Operating Officer

Iulie Costangioară

Iulie Costangioară

Financial Manager

Raluca Ilie

Raluca Ilie

Risk Manager

Anna Dumitru

Anna Dumitru

Accounting Manager

Gabriel Umberto

Gabriel Umberto

Collections Manager

Raluca Deaconu

Raluca Deaconu

Marketing Director

Our impact on the community

We track what each financing means for the people and communities behind the businesses we support.

Entrepreneurs with no prior access to bank financing

65.8%

Jobs created in 2025

989

Financed companies with women in leadership

42%

Financed companies led by people under 35

22%

Jobs preserved in 2025

5,326

Financing provided in 2025

13,298

Financed startups

15.6%

Backed by a European financial ecosystem

Our mission is backed by European partners who believe financing should be accessible to every entrepreneur.

European Investment Fund logo with EU flag and curved lines.Logo of the European Microfinance Network featuring a stylized symbol and a purple speech bubble.

How have we helped entrepreneurs like you grow? 

4.9
200+ Google reviews

Instant financing

“After interacting with the company's employees, I can say that Instant Factoring operates professionally and, most importantly, the turnaround time is very short, even when the amount financed through factoring is substantial. Thank you for your collaboration, and you will certainly be our first choice should we need additional factoring financing in the future.”

George Manta

VEGO CONCEPT ENGINEERING SRL

Construction

Experts who deliver

“They are true professionals who understand customer needs very well and offer quick, effective solutions for business financing, and their responsiveness and dedication are fantastic. We hope for a strong, long-lasting collaboration with Instant Factoring.”

Adrian Tudosie

PREDATOR SECURITY SRL

Transport & Logistics

Just a click away

“Our initial experience led to a long-term partnership. They’re there for you whenever you need them. The interface is simple and easy to use, and everything really is ‘just a click away.’ And the Instant Factoring team gets an A+.”

Sorin Horațiu Hoara

CBH SG FACILITY SRL

Administrative and Support Services

Everything is transparent

“Our experience with Instant Factoring has been excellent. The team is extremely professional, communicative, and always available to provide support and quick clarifications. The entire process is efficient and transparent, and working with them has greatly helped us manage our cash flow. We appreciate their professionalism, promptness, and the very pleasant way they handle customer relations.”

Denisa Nicoleta Airinei

ECO ADN SRL

Scientific and Technical Activities

By your side

“I turned to Instant Factoring for factoring services for the invoices I issued, and I can say the experience exceeded my expectations. What impressed me most wasn't just the speed of the process, but the constant support I felt from the first contact to the final step. The team is professional, responds promptly, and explains every step clearly, so you're never left guessing what comes next. For a company that wants to improve its cash flow without excessive red tape, Instant Factoring is a solid choice.”

Elena Chirilă

UNIVERSAL EXIM SRL

Information and Communications

Very satisfied

“I am very pleased with my collaboration with Instant Factoring: they are very prompt, professional, and flexible when it comes to the needs of my business. I highly recommend them!”

Hortensiu-Lucian Atanasie

HOLOSPHERE AGENCY SRL

Publicitate

A trusted partner

"Thank you, Instant Factoring, for the quality of your services and the efficiency of your staff, who helped me get through a difficult period in my company's growth. I recommend everyone turn to Instant Factoring with confidence!”

Marius Voicu

CONTECH EDIL SRL

Construction

Your money, right now

"We recommend Instant Factoring to any entrepreneur. If you want to sell invoices with longer due dates, or if you want to get paid sooner, turn to Instant Factoring with confidence! Thanks to the team, A+!"

Mihai Daniel Saia

TRANSURBIA DECK SRL

Transport & Logistics

Efficient collaboration

“Very organized. Honestly, I had my doubts at first, but they're very fast, and factoring is exactly what's needed in the current socio-economic climate. It's one of the most realistic solutions for unlocking cash flow for companies that have work but lack liquidity.”

Nicu Negura

NIMATRON TECHNIK SRL

Manufacturing industry

Professional team

“I’m satisfied! They’re very efficient, their team is very friendly, and they help you with document processing, etc. In other words, it’s worth working with Instant Factoring. Much faster compared to the red tape at banks. We’ll continue to work together!”

Lucian Roșulescu

SIBIANUL NYK SRL

Retail

Fast and simple

“Very professional and fast, with clear answers to all questions and concerns. Plus, funds are transferred within an hour after the application is approved (which took just one day). The fee is very low.”

Oltea Zambori

PRBETA BLUEMOON SRL

Publicitate

Premiați 5 ani la rând pentru cea mai bună platformă de factoring digital din Europa Centrală și de Est.