Instant Factoring Romania and Instant Factoring Spain are participating in a securitization structure supervised by the CNMV (Spain), with a Luxembourg-based fund acting as the senior lender. The facility will enable over EUR 200 million in factoring financing for more than 2,000 SMEs in Romania and Spain. The Romanian factoring market, projected to exceed EUR 10 billion in 2025, reflects a growing demand for flexible financing solutions, while the Spanish market has already reached EUR 266 billion.
Instant Factoring, a Romanian fintech and leader in digital financing solutions for SMEs, announces its participation in a cross-border securitization transaction worth up to EUR 30 million, a strategic move that marks a new stage of development for the Romanian fintech and the alternative financing market in both Romania and Spain.
The transaction involved the establishment of a securitization fund for Instant Factoring’s receivables portfolios – the "Instant Factoring 2025-I, Securitisation Fund" in Spain, under the supervision of the CNMV, the Spanish financial markets regulator, with a Luxembourg-based fund acting as the senior lender.
The fund, operational as of October 8, 2025, has an initial financing of EUR 7 million – EUR 5 million allocated to Romania and EUR 2 million to Spain – and is set to be gradually expanded to EUR 30 million under the same program. This initiative marks a first for the local market, as it is the first time a Romanian non-bank financial institution has participated in an international securitization structure.
"For the first time, a Romanian non-bank financial institution has demonstrated that it can operate at the standards and earn the trust of a global investment fund, setting a valuable precedent for the entire fintech sector in the region," the company stated.
"The recently concluded partnership with the Luxembourg investment fund puts Instant Factoring, and Romania as well, on the map of major alternative financing players. This securitization transaction is not only a first for a Romanian non-bank fintech, but also proof that local innovation can generate trust and support on a global level. The funding secured will support the consolidation and expansion of our operations in Romania and Spain, thereby accelerating the development of thousands of SMEs that will benefit from the working capital so necessary to support a constantly moving economy." — Cristian Ionescu, CEO and co-founder of Instant Factoring.
➡️ Read the full article on nocash.ro: https://nocash.ro/instant-factoring-atrage-o-structura-de-finantare-de-pana-la-30-mil-eur-si-sprijina-peste-2-000-de-imm-uri-in-romania-si-spania/
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