Instant Factoring has been named for the fifth consecutive year as The Best European Digital Factoring Platform, at the WOA WOW Awards 2025, organized by the SME Banking Club Europe. The 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, Serbia.
- Romania: approximately EUR 73 million in financed volume, with revenue growth of over 18% vs. 2024.
- Spain: the first full year of activity, 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, an increase of approximately 50% in revenue 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—including banks, factoring companies, and fintechs—from more than nine European countries participated in the competition. The Romanian fintech Instant Factoring scored particularly well in the areas of automation, 100% online processing, real-time risk analysis, and rapid funding within a maximum of 24 hours.
“Receiving this 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 lengthen and financial health 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 saw sustained growth in both volume and the complexity of its 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 with a value of up to 2.1 million RON, with an annual financing volume per client of over 660,000 RON. In Spain, the maximum value of a financed invoice was over 210,000 EUR, while Serbia reached the 110,000 EUR 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. Furthermore, the novelty of the portfolio is reflected in the recurring financing of invoices for suppliers providing work for companies of national strategic importance, such as CNAIR, CNI, and 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 financing 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 growth target of over 40% in revenue in 2026. Spain, where the adoption of digital factoring is accelerating rapidly, is estimated to record a growth of over +120%, consolidating its status as the group's future primary market over the next two to three years. Serbia complements the growth strategy, with an estimated increase of approximately +50% in revenue.
Furthermore, after securing 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 achieving more competitive financing rates. This will allow the company to offer end customers more favorable terms and increased financing capacity, including for medium and large-sized companies.
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