Factris
Factris is a European fintech that provides invoice factoring and working capital financing to small and medium-sized enterprises across nine European countries via its proprietary FAB platform, with bundled debtor management and credit insurance.
- Company typePrivate
- Founded2017
- HeadquartersAmsterdam, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Factris does
Factris is a European fintech founded in 2017 and headquartered in Amsterdam, Netherlands, that provides invoice factoring and working capital solutions to small and medium-sized enterprises (SMEs) across nine European countries. The company is owned by UAB Factris LT1, a Lithuanian factoring entity established in 2015 that acquired the Dutch business in late 2018. Factris has financed over €2 billion in receivables cumulatively, completed 1,870+ customer success cases, and reports financing volume growth of 58% YoY as of Q1 2023 (when €1 billion in invoices were financed in a single quarter). It manages receivables in 27 countries primarily within the EU, with offices in Amsterdam and Schiedam (Netherlands), Antwerp (Belgium), and Vilnius (Lithuania).
The core product is invoice factoring — SMEs convert unpaid B2B invoices into immediate working capital, receiving up to 90% of invoice value within 24 hours. This is bundled with debtor management, credit insurance, and receivables management services. The proprietary FAB (Finance Automation for Business) platform serves as the central technology layer, supporting online application, invoice upload, payment tracking, portfolio monitoring, and AI-powered risk assessment. An EU-funded R&D project (€1.4M from the European Regional Development Fund, 2020-2022, with INNTEC) produced a dedicated AI-powered factoring case risk management system featuring predictive analytics, anomaly detection, and automated decisioning; these capabilities were integrated into the rebuilt FAB platform in 2023. A fraud detection system that intercepted 24 fraud attempts in 2026 is also operated in-house.
Factris earns revenue through transaction-based factoring fees determined by monthly receivables volume, average invoice size, industry, buyer creditworthiness, and payment terms, with volume discounts and no minimum invoice size. Pricing is not publicly disclosed and is individualized per customer. Go-to-market combines a self-service online application, direct local sales teams in each market, and a broker/partner network. The company has secured institutional debt and securitisation facilities including €10M from NN Investment Partners (June 2022), €50M from Aegon Asset Management (April 2023), and a €100M securitisation from Brand New Day Bank (September 2025). Factris is privately held with no public listing; ownership remains concentrated under the Lithuanian parent UAB Factris LT1 alongside institutional debt investors.
Factris firmographics
Firmographics- Name
- Factris
- Legal name
- Factris Holding B.V.
- Website
- https://factris.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Factris is a European fintech that provides invoice factoring and working capital financing to small and medium-sized enterprises across nine European countries via its proprietary FAB platform, with bundled debtor management and credit insurance.
- Ownership category
- akta.pro rank
Factris industry classification
Industry- Product category
- Invoice Factoring / SME Working Capital
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- Invoice Financing & Factoring (FSAKAGAC), Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
Keywords
Where Factris is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices4 records
Markets served
Factris business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Invoice Factoring Fees: Factris charges factoring fees calculated based on multiple factors: monthly receivables volume (larger volumes mean lower fees), average invoice size, industry sector, customer creditworthiness, and customer payment time. Fees are calculated to put more money in the customer's account. The service includes debtor management and credit insurance at no additional cost.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Individualized factoring pricing based on business profile and transaction characteristics |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Factris product offering
Product offeringCore offering
Factris provides invoice factoring and working capital solutions to European SMEs, advancing up to 90% of unpaid B2B invoice value within 24 hours. The service is bundled with in-house debtor management, integrated credit insurance, and continuous buyer monitoring, all delivered through the proprietary FAB technology platform with AI-powered risk assessment.
Product overview
Factris offers a unified invoice factoring solution for European SMEs, combining the proprietary FAB (Finance Automation for Business) technology platform with comprehensive financing services. The core offering centers on invoice factoring—enabling businesses to receive up to 90% of invoice value within 24 hours—augmented by integrated add-on modules including debtor management, credit insurance, receivables management, risk assessment, and buyer monitoring. The FAB platform serves as the central hub for invoice upload, payment tracking, and portfolio management, with AI-powered risk assessment capabilities developed through an EU-funded R&D project. All services are designed for B2B SMEs operating in European markets.
Differentiator
Problem solved
Functional benefit
Brands
- FAB (Finance Automation for Business): Proprietary technology platform for invoice financing that streamlines risk assessment, automates invoice processing, and enables faster, data-driven financing decisions for SMEs across Europe.
Products and services
- Invoice Factoring Core invoice financing service that enables SMEs to convert unpaid B2B invoices into immediate working capital. Provides up to 90% of invoice value within 24 hours, with the remaining balance transferred upon debtor settlement. Off-balance-sheet financing that is not recorded as debt.
- FAB (Finance Automation for Business) Platform Proprietary technology platform that streamlines invoice processing, risk assessment, and receivables management. Enables upload of invoices, tracking of payments, and provides real-time portfolio monitoring for SME financing operations. Used by SME customers directly and by broker/partner network for onboarding and deal management.
Quantifiable outcome
- Funding within 24 hours of invoice submission
- +5 more outcomes
Companies that use Factris
Customer profileNamed customers12 records
Segments1 record
Ideal customer profiles2 records
Factris technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature4 records
Factris partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- INNTECminorUAB Factris LT1 partnered with UAB INNTEC for an EU-funded project to develop an AI-powered automated factoring case risk management platform. Total project value €1.95M with EU funding of €1.4M.
Scale indicators10 records
Recent moves8 records
Expansion highlights5 records
Factris competitors and assessment
Company assessmentDirect peers
- Taulia: Provider of working-capital and invoice-financing solutions integrated into ERP systems (SAP). Comparable to Factris in invoice financing product and B2B focus, with stronger enterprise/buyer-side rather than SME/supplier-side positioning.
- MarketInvoice: UK-based fintech providing invoice financing and factoring to SMEs. Directly comparable to Factris in product (invoice discounting), target market (European SMEs) and digital-first delivery model.
- Advanon: Swiss invoice-financing platform serving European SMEs. Comparable to Factris in invoice-financing product, digital delivery and European SME customer base, though with a more marketplace-like funding model.
- CapitalBox: European online lender providing invoice financing and working capital to SMEs. Comparable to Factris in target segment (European SMEs), product mix (invoice/working-capital financing) and digital onboarding.
- October (formerly Lendix): European SME lending marketplace active in France, Spain, Italy, Germany and the Netherlands. Comparable to Factris in pan-European SME financing focus and credit-driven underwriting, though structured as a marketplace model.
- C2FO: Global working-capital marketplace enabling businesses to accelerate receivables and extend payables. Comparable to Factris in dynamic discounting/invoice acceleration and B2B focus, though operating at much larger enterprise scale.
- BlueVine: US-based fintech offering invoice factoring and lines of credit to small businesses. Comparable to Factris in product (invoice factoring for SMBs), tech-led onboarding and bundled working-capital offering.
- Fundbox: US fintech providing working-capital advances and invoice-based financing to small businesses via a digital platform. Comparable to Factris in SMB invoice/working-capital product and online underwriting.
Broad incumbents
- Bibby Financial Services: One of the world's largest invoice finance providers, operating across multiple European markets. Comparable to Factris in factoring product and SME focus, but with much broader global scale, balance-sheet capacity and a more traditional sales model.
Others
- Modulr: European payments-as-a-service provider enabling embedded finance workflows. Comparable to Factris in pan-European fintech infrastructure footprint and SME-customer orientation, though focused on payments rather than credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Factris social profiles
Digital presenceFactris compliance and trust
Trust signalCompliance2 records
Factris financial estimates
Financial estimateRevenue estimate
Valuation estimate
Factris leadership team
Management profileNumber of profiles
Profiles12 records
Factris subsidiaries and ownership
Company hierarchySubsidiaries4 records
Factris funding detail
Funding detailFunding overview
Funding rounds8 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Factris M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Factris
What does Factris do?
Factris provides invoice factoring and working capital solutions to European SMEs, advancing up to 90% of unpaid B2B invoice value within 24 hours. The service is bundled with in-house debtor management, integrated credit insurance, and continuous buyer monitoring, all delivered through the proprietary FAB technology platform with AI-powered risk assessment.
Is Factris a public or private company?
Factris is a private company. It is classified as venture growth investor backed and is currently operating.
When was Factris founded?
Factris was founded in 2017. It employs 51 to 100 people.
Where is Factris based?
Factris is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Factris make money?
One revenue line is on record: invoice Factoring Fees.
Who are Factris's main competitors?
Direct peers on record are Taulia, MarketInvoice, Advanon, CapitalBox, October (formerly Lendix), C2FO, BlueVine and Fundbox. Bibby Financial Services is listed as a broad incumbent. Modulr is listed as an others.
Does Factris have an API?
No public API is recorded for Factris.
What industry is Factris in?
Factris's product category is Invoice Factoring / SME Working Capital. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of FSAKAGAC, Invoice Financing & Factoring. Its NAICS code is 522 and its SIC code is 6153.