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. This strategic move 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—with plans to gradually expand to EUR 30 million under the same program. This initiative is a first for the local market, marking the participation of the first Romanian non-bank financial institution in an international securitization structure. The transaction confirms Instant Factoring's role as a pioneer in alternative financial solutions through direct and transparent access to international capital, which will accelerate the growth of thousands of small and medium-sized businesses.
"The recently concluded partnership with the Luxembourg investment fund positions Instant Factoring, and Romania as well, on the map of major players in
alternative financing. This transaction is not only a first for the Romanian fintech sector but also proof that local innovation can generate trust and support on a global scale. The capital raised 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," said Cristian Ionescu, CEO and co-founder of Instant Factoring.
The new strategic partnership signed by Instant Factoring brings together the global capital management expertise of the investor fund with the innovation of a Romanian fintech that has already redefined access to financing for SMEs in Romania. This agreement supports the strengthening of Instant Factoring's position in the Romanian market and the expansion of its operations into Spain, within a solid framework of European collaboration.
Global capital for local growth – a new digital financing fund for SMEs
The new financing structure gives the company the ability to support an annual volume of additional factoring financing of up to EUR 240 million, which will provide access to rapid working capital for more than 2,400 companies across the two markets. The agreement entails that the Luxembourg fund will
contribute 80% of the capital, and Instant Factoring 20%, strengthening the financial base needed to support unlimited access to financing as the
portfolio grows. Through this structure, the effects on the economy are direct and measurable. SMEs will have access to liquidity in just 24 hours, without bureaucracy, additional collateral, or traditional banking constraints—an important step toward streamlining working capital and increasing the competitiveness of entrepreneurs.
The factoring market in Romania, estimated to exceed the EUR 10 billion threshold in 2025, reflects a growing demand for flexible financing solutions, while Spain has reached EUR 266 billion. In this context, the new facility positions Instant Factoring as a key player in accelerating access to capital for small and medium-sized companies in both markets.
Furthermore, this collaboration also validates Romania's evolution from a market perceived as emerging into a trusted financial partner. For the first time, a Romanian non-bank financial institution has demonstrated that it can operate at the standards and with the trust of a global investment fund, setting a valuable precedent for the entire fintech sector in the region.
We are proud that our portfolio and rigorous risk management discipline have demonstrated that a Romanian company can be a trusted partner for such an international financing structure, concludes Cristian Ionescu, CEO and co-founder of Instant Factoring.
Accelerated growth and global recognition for a rapidly expanding Romanian fintech
With over 100,000 financings granted, 3,000 companies supported, and a cumulative volume of over EUR 350 million, Instant Factoring has established itself as a regional leader in digital SME financing. The company's evolution is driven primarily by its solid partnerships and the support of European institutions.
As of June 2024, the company has benefited from a Capacity Building financing facility from the European Investment Fund (EIF) worth RON 5 million, aimed at developing infrastructure and expanding lending capacity. With the support of European partners and international investors, Instant Factoring is becoming a bridge between global capital and the local entrepreneurial economy, serving as an example of sustainable collaboration between fintech and traditional finance.
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