Fandla

What Fandla does

Fandla Faktoring sp. z o.o. is a Polish fintech operating an online invoice-factoring platform targeted at micro and small enterprises. The company finances individual unpaid invoices rather than whole receivables books, disbursing up to 90% of an invoice's value and collecting 0.12% net per day from 100% of the invoice amount, with a minimum commission of 75 PLN per transaction. Standard limits scale from 15,000 PLN for first-time clients up to 30,000 PLN once a debtor has paid on time, with regular-customer maximums of 100,000-200,000 PLN. The product supports both PLN and EUR financing, subject to both issuer and debtor being Polish-domiciled. Fandla claims to be the first Polish factor to operate a fully paperless, self-serve workflow, with registration, identity verification (via Kontomatik bank-account verification), credit decision (delivered within roughly one hour), and fund disbursement (often within the same hour of debtor confirmation) handled entirely through a Customer Panel.

The platform is built around an AI-assisted credit scoring model that combines mathematical-statistical methods with automated invoice recognition to evaluate both client and debtor creditworthiness, and to extract invoice data without manual re-entry. Back-office operations are kept lean (1-10 employees) and a 100% online distribution model is reinforced through a referral program (500 PLN per converted friend) and a business-partnership program for affiliates and bloggers. Distribution is augmented by partnerships with Bank Pocztowy, Blackbuck, and Pogotowie Płynnościowe, and the company is a member of the Polish Factoring Association (Polski Związek Faktorów). Customer evidence (700+ firms, 9,000+ invoices financed, 4.8/5 Google rating) and named SMB use cases span transportation, construction, copywriting and trading. Capital history includes a 2018 seed round led by FIDIASZ (~USD 788k), a 2018 DataVentures.io-led round (~USD 529k), and a 2022 event associated with Ventures21; in 2021 Fandla Faktoring absorbed subsidiary Fandla SPV1 to consolidate the legal entity serving the Warsaw headquarters.

Name

Fandla

Legal name

Fandla Faktoring sp. z o.o.

Website

https://fandla.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Fandla Faktoring sp. z o.o. is a Poland-based online fintech offering fully digital, paperless invoice factoring to micro and small enterprises, with one-hour credit decisions, PLN/EUR financing, and limits up to 200,000 PLN.

Ownership category

akta.pro rank

Product category

Online Invoice Factoring

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAGAIAK

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement)

Financial & Insurance/Financial Technology (Fintech)/BNPL & Point-of-Sale Financing Platforms

Keywords

• Online invoice factoring
• SMB cash flow financing
• Micro-factoring services
• Digital factoring platform
• Accounts receivable financing

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Factoring Commission: Commission charged per day of financing calculated from 100% of invoice value. Minimum commission of 75 PLN per transaction. This is the primary revenue stream based on transaction volume and days until payment.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Fandla Faktoring sp. z o.o. operates a fully online invoice factoring platform that enables Polish micro and small businesses to exchange outstanding invoices for immediate cash. The company advances up to 100,000 PLN per invoice (90% advance), delivers financing decisions within one hour, and disburses funds shortly after debtor confirmation, with no long-term contracts or subscription fees. It supports both PLN and EUR invoices and serves sole proprietors, freelancers, transport companies, construction firms, and trading businesses.

Product overview

Fandla is an online invoice factoring fintech company offering a unified digital platform for invoice financing. The core product is Faktoring Online, a 100% online factoring service that enables Polish businesses to exchange invoices for immediate cash. The platform includes a customer panel for invoice management, a calculator for cost estimation, a referral program, and a business partnership program. The service supports micro-factoring with minimum invoice values starting from 500 PLN and offers limits up to 100,000 PLN.

Differentiator

Problem solved

Functional benefit

Products and services

• Faktoring Online (Online Invoice Factoring) Online invoice factoring service that allows Polish businesses to exchange outstanding invoices for cash. The service is fully digital with no paper documents, no branch visits, and no long-term contracts; supports both PLN and EUR invoices and is limited to Polish-registered companies.
• Mikro-faktoring (Micro-Factoring)

Quantifiable outcome

• Decision on financing within 1 hour of invoice submission
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• BlackbuckminorGTM or Marketing PartnerLogistics technology platform mentioned as a collaborator in the 'Współpracujemy z' (We collaborate with) section, suggesting referral or integration relationship.
• Bank PocztowyminorGTM or Marketing PartnerPoczta Polska's banking arm mentioned in partnership section, indicating distribution or referral collaboration for factoring services.
• Pogotowie PłynnościoweminorGTM or Marketing PartnerFinancial liquidity service mentioned as collaborator, suggesting complementary service partnership.
• KontomatikcoreTechnology or IntegrationExternal internet service providing secure, encrypted identity verification through bank account data. Used for instant identity confirmation without traditional document submission. Has all required legal approvals including KNF (Financial Supervision Authority) certification.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Finea: Polish online factoring platform serving SMBs with digital invoice financing; the closest direct competitor to Fandla in the fully online factoring niche in Poland.
• PragmaGO: Polish fintech listed on the NewConnect market offering factoring and SMB financing; targets very similar micro/SMB factoring customers with a mix of online and offline channels.
• eFaktor (Online Faktoring): Polish online invoice factoring service for SMBs with digital submission and bank-account-based verification; competes head-to-head with Fandla's PLG-style offering.
• Defacto: Polish fintech providing working-capital/factoring solutions to SMBs using a digital platform; comparable technology-enabled factoring targeting similar segments.
• Faktoria (Faktoring Online): Polish online factoring comparison and origination brand focused on SMBs; competes for the same Polish factoring demand that Fandla addresses.

Broad incumbents

• Bibby Financial Services Poland: Established international factoring company's Polish arm; offers broader (and more conservative) factoring products to Polish SMBs, including larger-ticket invoice financing.
• Fundbox: US-based platform offering invoice/working-capital financing to SMBs through bank and accounting software integrations; comparable business model and SMB target at larger scale.
• Bluevine: US SMB-focused online lender offering invoice factoring and lines of credit via a fully digital platform; comparable technology-led SMB financing model.
• Klarna: Global BNPL/alternative-financing platform; not directly competing in factoring, but a reference point for digital, AI-scored SMB/consumer credit infrastructure at scale.

Others

• Kontomatik: Bank-account-based identity/verification API provider used by Fandla for KYC and onboarding; a critical infrastructure enabler for digital lending platforms in CEE.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fandla