Romanian fintech Instant Factoring, founded in 2018 by Cristian Ionescu and Elisa Rusu, is participating in a cross-border securitization transaction worth up to EUR 30 million, according to a press release sent to StartupCafe.ro on Wednesday.
The transaction involved the establishment of a securitization fund for Instant Factoring's receivables portfolios - "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 funding 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. The 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.
"The recently concluded partnership with the Luxembourg investment fund positions Instant Factoring, and Romania as well, on the map of major alternative finance players. This securitization transaction is not only a first for the Romanian non-bank fintech sector, but also proof that local innovation can generate trust and support on a global level. The funding 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 brings together the investor fund's global expertise in capital management with the innovation of a Romanian fintech that has already redefined access to finance for SMEs in Romania. This agreement supports the strengthening of Instant Factoring's position in the Romanian market and the expansion of its operations in Spain, within a solid framework of European collaboration, the company says.
The new financing structure offers the company the ability to support an annual volume of additional factoring financing of over EUR 200 million, which will allow access to rapid working capital for more than 2,000 companies in the two markets. The agreement stipulates that the Luxembourg fund will contribute 80% of the capital, and Instant Factoring 20%, strengthening the financial base needed to support unlimited access to funding as the portfolio grows.
The company states that SMEs will have access to liquidity in just 24 hours, without bureaucracy, additional collateral, or traditional banking constraints.
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.
"We are proud that our portfolio and rigorous risk management discipline have demonstrated that a Romanian company can be a reliable partner for such an international financing structure," concludes Cristian Ionescu, CEO and co-founder of Instant Factoring.
Instant Factoring says it has provided over 100,000 financings, supported 3,000 companies, and reached a cumulative volume of over EUR 350 million.
Starting in June 2024, the company has benefited from a Capacity Building financing from the European Investment Fund (EIF), amounting to RON 5 million, intended for infrastructure development and expanding lending capacity.
➡️ Read the full article on startupcafe.ro: https://startupcafe.ro/startup-romanesc-solutii-financiare-imm-finantare-30-milioane-euro-89184
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