Instant Factoring, European leader in digital factoring for the fifth consecutive year

Instant Factoring has been named the Best European Digital Factoring Platform for the fifth consecutive year at the WOA WOW Awards 2025, organized by the SME Banking Club Europe. This distinction comes at a time when the Romanian fintech, the first digital factoring institution in Romania, has marked a year of record growth, with approximately EUR 104 million financed in 2025, compared to about EUR 84 million in 2024—an increase of approximately 24% across the entire Group (Romania, Spain, and Serbia).

• Romania: approximately EUR 73 million in financed volume, with revenue growth of over 18% vs. 2024.
• Spain: the first full year of operation, with EUR 16 million in financing and exponential growth of over 1200% compared to 2024, the year the company entered the Spanish market.
• Serbia: over EUR 15 million financed, with approximately 50% revenue growth compared to 2024.

The 2025 edition of the SME Banking Club Europe awards analyzed 17 technological and operational criteria that define excellence in digital factoring, ranging from the ability to process applications entirely online to integration with ERP systems, automated scoring, and funding speed. Over 30 institutions—banks, factoring companies, and fintechs—from more than nine European countries participated in the competition. The Romanian fintech Instant Factoring scored particularly high in automation, 100% online processing, real-time risk analysis, and rapid funding within a maximum of 24 hours.

“Receiving recognition for our daily efforts to democratize access to working capital for small and medium-sized businesses for the fifth consecutive year validates the mission we took on from the very beginning: to provide access to technology that creates real economic impact. In a market where payment terms continue to rise and the health of cash flow is becoming increasingly critical for European SMEs, the fact that we can turn 60, 90, or even 120 days of waiting into a 24-hour turnaround is not just technical innovation; it is the responsibility we assume toward the entrepreneurs who keep the economy moving. We are grateful for the trust placed in us and motivated to continue raising industry standards year after year.” – Cristian Ionescu, CEO of Instant Factoring.

Instant Factoring 2025: higher funding, controlled risk, and economic impact in Romania, Spain, and Serbia

After more than seven years of activity, Instant Factoring now operates one of the most robust digital factoring ecosystems in Central and Eastern Europe. In 2025, the platform recorded sustained growth in both volume and the complexity of financing, processing over 20% more funding requests. At the Group level, 19,000 financing deals were granted to approximately 900 unique clients.

The factoring market in Romania attracted individual financing deals worth up to RON 2.1 million, with an annual financing figure per client of over RON 660,000. In Spain, the maximum value of a financed invoice was over EUR 210,000, while Serbia reached the EUR 110,000 threshold.

“Operationally, Spain shows us that our model scales rapidly in a large and mature market, where the level of financial literacy and factoring penetration in GDP is over 15%, compared to 2-3% in Romania. If the current pace is maintained, realistically, Spain could become the Group’s number one market in about 3 years, surpassing Romania.” – adds Cristian Ionescu, CEO of Instant Factoring.

Also in 2025, digital factoring proved essential in fast-paced sectors or those exposed to increasingly long payment terms, such as manufacturing, construction, retail, transport & logistics, and B2B services. In fact, a new development in the portfolio is the recurring financing of invoices for suppliers performing work for companies of national strategic importance, such as CNAIR and CNI, as well as for local authorities, thereby consolidating Instant Factoring’s maturity to operate at the standards required by complex projects and high-value contracts.

Instant Factoring 2026: greater funding capacity, reduced cost of capital, and consolidated portfolios in Romania, Spain, and Serbia

Against the backdrop of growing demand for digital factoring solutions and portfolio maturation, the company aims to meet the growth of the factoring markets in the countries where it operates. Romania remains the market with the largest critical mass, with a revenue growth target of over 40% in 2026. Spain, where the adoption of digital factoring is accelerating rapidly, is estimated to record growth of over +120%, consolidating its status as the group’s future primary market within the next two to three years. Serbia completes the growth strategy with an estimated revenue increase of approximately +50%.

Furthermore, after closing a solid financing structure in 2025 through a securitization fund of up to EUR 30 million, Instant Factoring aims in 2026 to reduce the cost of capital, reorganize financing lines, and streamline relationships with financial partners, with the goal of obtaining more competitive funding pricing. This will allow the company to offer end clients more advantageous terms and increased funding capacity, including for medium and large-sized companies.

Instant Factoring is a Romanian fintech specializing in digital factoring, offering companies simple, fast, and fully online access to working capital, operating as a non-banking financial institution (NFI) registered with the National Bank of Romania. Active in Romania, Spain, and Serbia, the company has approved over RON 1.5 billion in financing, processed over 100,000 transactions, and currently serves over 25,000 companies through a model based on automation, real-time risk analysis, and funding within a maximum of 24 hours. For the fifth consecutive year, Instant Factoring was named the Best Digital Factoring Platform in Europe at the WOA WOW Awards 2025, organized by the SME Banking Club Europe, confirming its position as a regional leader in the digitalization of trade finance.

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