Instant Factoring, European leader in digital factoring for the fifth consecutive year: EUR 104 million financed in 2025

SME Banking Club Europe has named Instant Factoring the Best European Digital Factoring Platform, selected from over 30 organizations across nine European countries, within the WOA WOW Awards 2025

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

• Romania: approximately EUR 73 million in financed volume, with revenue growth of over 18% vs. 2024.
• Spain: first full year of activity, with EUR 16 million in financings and exponential growth of over 1.200% compared to 2024, the year in which the company entered the Spanish market.
• Serbia: over EUR 15 million financed, with revenue growth of approximately 50% compared to 2024.

The 2025 edition of the awards offered by SME Banking Club Europe analyzed 17 technological and operational criteria that define excellence in digital factoring, from the ability to process applications fully online to ERP system integrations, automated scoring and funding speed. More than 30 institutions – banks, factoring companies or fintechs – from over nine European countries participated in the competition. The Romanian fintech Instant Factoring scored particularly high in the areas of automation, 100% online processing, real-time risk analysis and rapid funding within a maximum of 24 hours.

“The recognition of our day-to-day efforts to democratize access to working capital for small and medium-sized businesses, received for the fifth consecutive year, validates the mission we assumed from the very beginning: to provide access to technology that generates real impact in the economy. In a market where payment terms continue to increase and cash-flow health becomes increasingly critical for European SMEs, the fact that we can transform 60, 90 or even 120 days of waiting into a 24-hour collection period is not just technical innovation, it is the responsibility we assume towards the entrepreneurs who keep the economy moving. We are grateful for the trust we are given and motivated to continue raising industry standards year after year, ” says Cristian Ionescu, CEO, Instant Factoring.

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

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

The Romanian factoring market attracted individual financings with values of up to RON 2.1 million, with an annual financing volume per client exceeding RON 660,000. In Spain, the maximum value of a financed invoice exceeded EUR 210,000, while Serbia reached the threshold of EUR 110,000.

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

Also in 2025, digital factoring proved essential in sectors with accelerated growth or exposure to increasingly long payment terms, such as manufacturing, construction, retail, transport & logistics or B2B services. Moreover, a surprise within the portfolio is represented by the recurring financing of invoices issued by suppliers performing works for companies of national strategic importance such as CNAIR, 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: increased 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 support the expansion of 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 digital factoring adoption is accelerating rapidly, is estimated to record growth of over +120%, consolidating its status as the Group’s future main market within the next two to three years. Serbia completes the growth strategy, with an estimated revenue increase of approximately +50%.

Furthermore, after completing in 2025 a solid financing structure 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 optimize relationships with financial partners, with the objective of achieving a more competitive funding price. This will allow the company to offer end clients more advantageous conditions and increased financing capacity, including for medium-sized and large companies.

About Instant Factoring

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-bank financial institution (NBFI) 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 more than 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 has been named Best Digital Factoring Platform in Europe within the WOA WOW Awards 2025, organized by SME Banking Club Europe, confirming its position as a regional leader in the digitalization of trade finance.