What FinDynamic does

FinDynamic is a Milan-headquartered B2B fintech founded in 2016 within Polihub, the Politecnico di Milano startup incubator, that operates a cloud-based Supply Chain Finance (SCF) platform connecting large corporate buyers, their suppliers (predominantly SMEs), and multiple banking partners. The company serves two primary segments: large enterprises that deploy excess liquidity to optimize treasury and support supplier relationships, and the SMEs in their supply chains that gain early access to receivables at favorable rates. FinDynamic claims 85%+ market share in Italy, with 15,000+ companies and over 900,000 annual transactions across 35 countries, supported by an NPS of 9.5+.

The platform unifies four core product lines — Dynamic Discounting, Confirming, Reverse Factoring, and Receivables Financing — with ESG-linked add-ons (Dynamic Discounting Sostenibile and ISO/TS 17033-validated Claim Etico). It is built on AWS infrastructure using Scala/Java with Kafka messaging, and integrates natively with SAP and other ERPs, treasury platforms (DocFinance, Piteco), and multiple bank portfolio management systems through a single interface. An AI-powered supplier onboarding tool automates supplier registration. The company distributes through direct enterprise field sales augmented by channel partnerships with major Italian and European banks (UniCredit, Crédit Agricole Italia, Banca Progetto, BFF Banking Group, Credemtel) and, more recently, American Express and Poste Italiane. Revenue is generated on a transaction-fee basis: spreads on dynamic discounting discounts and per-transaction/platform fees on confirming and reverse factoring programs. Pricing is quote-based and not publicly disclosed.

FinDynamic has one disclosed parent entity in its data (UniCredit as a strategic investor/partner), a wholly-owned Spanish subsidiary (FinDynamic S.L., established 2022 in Madrid), and is recognized as a 'Leader della Crescita 2024' by Il Sole 24 Ore and a Financial Times growth leader in 2023. Leadership consists of co-founders Enrico Vigano (CEO) and Ervis Jace (CTO); headcount is reported in the 11–50 range, and the company remains privately held with no public funding amounts disclosed across two rounds (UniCredit 2019, Fabrick 2022).

Name

FinDynamic

Legal name

Findynamic S.r.l.

Website

https://findynamic.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

FinDynamic is a Milan-based fintech operating a cloud-based Supply Chain Finance platform that connects large corporate buyers, their SME suppliers, and multiple banking partners across 35 countries. It offers Dynamic Discounting, Confirming, Reverse Factoring, and ESG-linked sustainable finance solutions via native ERP and bank integrations.

Ownership category

akta.pro rank

Product category

Supply Chain Finance Software

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

akta.pro secondary industries

Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Supply chain finance
• Dynamic discounting
• Reverse factoring
• Confirming platform
• Receivables financing

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Dynamic Discounting Fees: FinDynamic earns fees on the discount spread between the rate offered to buyers and the rate paid to suppliers in dynamic discounting transactions. Buyers monetize their excess liquidity by paying invoices early, generating risk-free returns, while suppliers receive early payment at a discounted rate. FinDynamic captures the spread as transaction fees.
2. Confirming/Reverse Factoring Fees: Revenue generated from managing confirming programs where financial institutions pay suppliers early and buyers pay on extended terms. FinDynamic charges fees for platform access and transaction processing across multi-bank programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

FinDynamic sells a B2B Supply Chain Finance platform that enables large corporate buyers to optimize working capital by offering early invoice payment to their SME suppliers through Dynamic Discounting, Confirming, Reverse Factoring, and Receivables Financing solutions. The platform is integrated with ERP systems (SAP and others) and bank portfolio management systems, and supports ESG-driven sustainable supply chain finance programs validated under ISO/TS 17033.

Product overview

FinDynamic is a Supply Chain Finance fintech company offering an integrated platform of financial solutions. The core platform unifies Dynamic Discounting (enabling buyers to monetize excess liquidity by paying suppliers early for dynamic discounts), Confirming (managing commercial debt through financial institutions for multi-bank programs), Reverse Factoring, and Receivables Financing (enabling suppliers to access early payment). The platform includes add-on ESG-focused modules: Dynamic Discounting Sostenibile and Claim Etico (ISO/TS 17033 validated ethical claims) for sustainable supply chain support. All solutions feature native ERP integration (including SAP), AI-powered supplier onboarding, 24/7 dedicated support, and white-label customization options. The platform operates on AWS infrastructure and processes over 900,000 annual transactions across 15,000+ companies in 35 countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Dynamic Discounting Supply chain finance solution that enables buyers to manage surplus liquidity by offering early payment of supplier invoices in exchange for a dynamic discount based on days of advance payment, fully integrated with the buyer's ERP and treasury software.
• Confirming Financial solution that allows buyers to transfer management of their commercial debt to a financial institution, with FinDynamic enabling multi-bank confirming programs managed through a single integrated platform tailored to client needs.
• Reverse Factoring Supply chain finance solution where buyers enable suppliers to receive early payment from a financial institution, with the buyer guaranteeing the receivable as part of the integrated SCF platform.
• Receivables Financing (Pagamenti Anticipati) Solution that enables suppliers to receive advance payment for their trade receivables through the FinDynamic platform, implemented together with their buyer customers.
• Dynamic Discounting Sostenibile (Sustainable Dynamic Discounting) Sustainable supply chain finance solution that allows buyer companies to financially support their suppliers with below-market discount rates, validated by Bureau Veritas under ISO/TS 17033 ethical claims standards.
• Claim Etico (Ethical Claims) ISO/TS 17033-validated ethical claims for supply chain finance programs that allow companies to communicate their commitment to supporting suppliers with below-market discount rates, verified by third-party certification bodies.
• FinDynamic Supply Chain Finance Platform Single proprietary technology platform integrating Dynamic Discounting, Confirming, Reverse Factoring, and Receivables Financing with native ERP integration, multi-bank capabilities, ESG scoring integration, and AI-powered supplier onboarding.
• FinDynamic Mobile App Mobile application enabling suppliers to manage early payments and Supply Chain Finance interactions on mobile devices.

Named customers8 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature4 records

Partnerships

Ten partnerships are on record, tiered core, flagship and minor.

• UniCreditcoreChannel Partner/ Reseller/ DistributorUniCredit partnered with FinDynamic to offer Dynamic Discounting to corporate clients. UniCredit was awarded the 'Premio dei Premi 2020' for this service. The partnership was extended to UniCredit Factoring clients in December 2020. UniCredit has successfully personalized the solution for clients including Furla, Venchi, Gruppo Arena, and others.
• Crédit Agricole ItaliacoreChannel Partner/ Reseller/ DistributorCrédit Agricole Italia collaborates with FinDynamic on Supply Chain Finance solutions. Partnership includes working with Eni on Sustainable Supply Chain Finance programs. Crédit Agricole is the 10th largest bank globally with significant presence in Italy.
• CredemtelcoreTechnology or IntegrationCredemtel, a subsidiary of Credem Group, provides digital services including Supply Chain Finance solutions. Partnered with FinDynamic to offer Dynamic Discounting, such as to Gruppo Pittini. Credemtel has 30 years of experience in digital services and electronic document management.
• American ExpressflagshipChannel Partner/ Reseller/ DistributorAmerican Express partnered with FinDynamic for Supply Chain Finance services (September 2023). This is a significant partnership bringing FinDynamic's solutions to American Express business customers.
• Poste ItalianeflagshipChannel Partner/ Reseller/ DistributorPoste Italiane partnered with FinDynamic to support the supply chain (June 2023). This partnership brings FinDynamic's solutions to Poste Italiane's extensive corporate and SME customer base.
• EniflagshipChannel Partner/ Reseller/ DistributorEni launched Sustainable Supply Chain Finance program with FinDynamic and Crédit Agricole (November 2023). The program facilitates access to credit for suppliers most virtuous in ESG. Eni is a major multinational energy company.
• DocFinancecoreTechnology or IntegrationDocFinance is treasury management software with over 3,200 active installations in Italy, integrated with 300+ ERP systems. Native integration with FinDynamic allows treasurers to use Dynamic Discounting and Confirming with automated payment processes.
• BFF Banking GroupminorChannel Partner/ Reseller/ DistributorBFF Banking Group is the largest specialized finance operator in Italy and European leader in pro-soluto factoring toward Public Administrations. Active in 9 European countries.
• Banca ProgettominorChannel Partner/ Reseller/ DistributorBanca Progetto is a digital challenger bank specializing in services for Italian SMEs and private clients. Controlled by Oaktree Capital Group.
• Open-esminorStrategic or Co-development PartnerFinDynamic and Open-es partnered for sustainable Supply Chain Finance (November 2022). Open-es is a platform for ESG management in supply chains.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• C2FO: Global working-capital marketplace focused on dynamic discounting and early-payment solutions for buyers and suppliers. Most directly comparable to FinDynamic's Dynamic Discounting core, with a larger global footprint and broader capital base.
• PrimeRevenue: One of the largest independent Supply Chain Finance platforms offering multi-bank, multi-product SCF programs (including reverse factoring and dynamic discounting). Closely comparable in product mix and bank-led distribution model.
• Taulia (Bottomline Technologies): SCF and dynamic discounting platform with native ERP integration (SAP), part of Bottomline. Direct competitor in the integrated, multi-bank SCF platform category that FinDynamic targets.
• Demica: Supply Chain Finance technology provider offering receivables, payables and inventory finance solutions via a platform model with bank partners. Comparable multi-product, bank-distributed SCF proposition.
• Orbian: Supply Chain Finance platform specializing in multi-bank reverse factoring and dynamic discounting programs for large corporate buyers. Comparable product suite and bank-distributed model.
• TreviPay: B2B payments and trade finance platform offering embedded invoice financing and buyer-supplier working-capital solutions. Comparable in serving the buyer-supplier early-payment use case at enterprise scale.

Broad incumbents

• Billtrust: Larger order-to-cash and B2B accounts-receivable automation platform with financing adjacency. Overlaps with FinDynamic on the buyer/supplier financing workflow as part of a broader AR/AP suite.
• SAP (via SAP Finance & BTP): Global ERP giant whose treasury and finance modules (and BTP platform) include supply chain finance and dynamic discounting capabilities. Represents both an integration partner and an incumbent risk for FinDynamic's SAP-anchored buyers.

Regional players

• Working Capital Partners / Azimut (Italian factoring/SCF operators): Italian and broader European SCF/factoring operators that compete with FinDynamic for large corporate SCF mandates in Italy and southern Europe, leveraging local banking relationships.

Emerging players

• KredX: India-headquartered invoice discounting and SCF platform connecting suppliers with financiers. Comparable invoice-financing mechanics and platform model, with regional rather than European focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/findynamic

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors2 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 FinDynamic