Faturalab

What Faturalab does

Faturalab is a Turkey-headquartered digital supply chain finance platform founded in 2016 that orchestrates working capital solutions between corporate buyers, their supplier networks, and 20+ financial institutions. The platform enables suppliers to convert approved invoices into same-day cash by accessing real-time financing offers from competing banks, and reportedly captured approximately 35% of Turkish supply chain finance volume during the first nine months of 2023. Its core products are Supply Chain Finance, Dynamic Discounting, and Approved Invoice Financing, with more recent additions including Shared Supply Chain Finance (launched June 2024) and Working Capital Notes (WCN), a digital instrument powered by ETR Digital's Flownote technology that debuted live with Şişecam in December 2025.

The technology stack centers on a multi-bank orchestration engine with a free SAP plug-in module for ERP integration, real-time offer comparison across financial institution partners, and embedded integration capabilities deployed inside digital commerce platforms such as Hepsiburada. The platform connects 30+ buyer ERP/accounting systems and is available via web and mobile (iOS/Android) applications, with compliance to GDPR and KVKK data protection regimes.

Faturalab's revenue model is transaction-based, earning fees on financing volume processed through its platform; pricing is quote-based and not publicly disclosed. Go-to-market combines direct enterprise sales anchored on large Turkish corporates across retail, manufacturing, FMCG, healthcare, logistics, and energy, channel partnerships with regional banks (notably RAKBANK for UAE entry), and OEM/embedded distribution via digital commerce platforms. The company is a privately held Turkish A.Ş. (Faturapazarı Elektronik Ticaret ve Bilişim Hizmetleri Anonim Şirketi) co-founded by Emre Aydın (CEO), Saruhan Doğan (Strategy/Board), and Ozan Vakar (CTO), with reported employee equity ownership and headcount in the 51-100 range.

Name

Faturalab

Legal name

Faturapazarı Elektronik Ticaret ve Bilişim Hizmetleri Anonim Şirketi

Website

https://faturalab.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Faturalab is a Turkey-based digital supply chain finance platform that orchestrates working capital solutions between corporate buyers, suppliers, and 20+ financial institutions, enabling same-day invoice financing for Turkish enterprises across retail, manufacturing, FMCG, and e-commerce.

Ownership category

akta.pro rank

Product category

Supply Chain Finance Platform

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Asset-Backed Securities (6189)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

Corporate Treasury & Supplier Payments (AP, Mass Payments) (FSAMAKAL), Billing, Subscription & Revenue Management Infrastructure (FSAGABAM)

Keywords

• Supply chain finance
• Invoice financing
• Dynamic discounting
• Embedded finance
• Working capital management

Headquarters

HQ city

Istanbul

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Platform Fees: Faturalab earns fees based on the transaction volume processed through its platform. The platform facilitates supply chain finance, dynamic discounting, and invoice financing between buyers, suppliers, and financial institutions. Volume-based revenue tied to financing amounts processed - publicly disclosed platform metrics show billions of Turkish Lira in processed transactions.

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

Faturalab operates a digital supply chain finance platform that connects corporate buyers, their suppliers, and 20+ financial institutions (banks and factoring companies). The platform enables suppliers to convert delayed invoices into same-day cash through competing offers from multiple member banks, supports dynamic discounting where buyers deploy excess cash, and provides approved invoice financing off balance sheet. Product portfolio includes Supply Chain Finance, Dynamic Discounting, Approved Invoice Financing, Shared Supply Chain Finance, and Working Capital Notes, accessible via web, mobile, and embedded ERP integrations.

Product overview

Faturalab operates as a unified supply chain finance platform offering three core products: Supply Chain Finance System, Dynamic Discounting, and Approved Invoice Financing. The platform acts as an orchestration layer connecting corporate buyers, suppliers, and financial institutions (20+ banks and factoring companies). Key innovations include Shared Supply Chain Finance (launched June 2024) where financing costs are shared between buyers and sellers, and Working Capital Notes (WCN) digital instruments. The platform provides a free SAP plug-in for ERP integration and offers mobile applications for iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Supply Chain Finance System A collection and payment solution that lets delayed invoices uploaded to the platform instantly turn into cash through member financial institutions, contributing to working capital optimization. Suppliers can collect outstanding invoices on the same day requested, in the needed amount.
• Dynamic Discounting Enables companies with occasional excess cash to offer financing to their suppliers through the Faturalab platform and earn a higher return on cash than traditional instruments like deposits or repo. Allows buyers to deploy surplus liquidity competitively to suppliers.
• Approved Invoice Financing The buyer company uploads invoices of its suppliers into the Faturalab platform and allows suppliers to discount them through the financial institutions present on the platform. The transaction does not appear as credit on either the buyer or supplier balance sheet, making it the cheapest and fastest working capital solution among the three core products.
• Shared Supply Chain Finance An innovative product where buyer and seller share the financing cost. The supplier discounts its receivables through the platform while the buyer extends payment terms to cover this cost, creating a shared benefit arrangement that improves affordability for both parties.
• Working Capital Notes (WCN) Digital instrument designed to help buyers optimize payment terms while delivering faster and fuller settlement to suppliers. Approved invoices are converted into financing instruments that can be settled in real time.
• Multi-Bank Embedded Finance Model Embedded finance infrastructure that enables digital commerce platforms (e.g., Hepsiburada) to offer their sellers competitive financial solutions from multiple banks through a single integration, allowing sellers to complete payments, credit, and collections without switching to separate banking applications.
• Faturalab Mobile Application Mobile app enabling suppliers to receive early payments directly from their devices. Available on Google Play and App Store. Lets suppliers request early payment, view invoices, and receive same-day cash on mobile devices.
• e-Müstahsil Document Financing Financing solution for electronic producer receipts (e-Müstahsil) that allows farmers and producers to use these agricultural documents as financing collateral, expanding access to formal financing for the agricultural sector.

Quantifiable outcome

• 35% market share of Turkish supply chain finance volume (2023)
• +4 more outcomes

Named customers24 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature9 records

Partnerships

Eleven partnerships are on record, tiered core, supporting and strategic.

• ETR DigitalcoreTechnology or Integration · 30 December 2025Technology partnership enabling Working Capital Notes (WCN) powered by ETR Digital's Flownote technology. First live implementation with Şişecam in December 2025. WCNs are digital instruments that enable approved invoices to be financed in real-time.
• RAKBANKcoreStrategic or Co-development Partner · 18 February 2025Strategic partnership for Gulf region expansion. Faturalab's technology integrated with RAKBANK's wholesale banking operations in UAE. First international expansion outside Turkey. Target to expand to Gulf Cooperation Council countries and North Africa. Partnership announced at Global Trade Review event in Dubai.
• Supply Chain Technologies Ltd.supportingTechnology or Integration · 18 February 2025Regional technology partner for Gulf region expansion alongside RAKBANK. Contributed to partnership formation and implementation support.
• AgriostrategicStrategic or Co-development Partner · 13 September 2023Strategic partnership for sustainable agricultural supply chain financing. Creates financing infrastructure aligned with Green Deal, CBAM, and SFDR sustainability frameworks. Enables green digital financing instruments for sustainable producers.
• PaynetsupportingTechnology or Integration · 7 September 2023Treasury management partnership enabling Arzum to optimize cash flow, compare funding costs instantly, and determine optimal maturity structures. Joint offering combines Paynet's payment infrastructure with Faturalab's financing solutions.
• HepsiburadacoreStrategic or Co-development PartnerFlagship embedded finance partnership. Faturalab's multi-bank model integrated into Hepsiburada seller portal. Enables 100,000+ sellers to access real-time financing from multiple banks. Processed $1B+ invoices. Won multiple Working Capital Awards.
• ŞişecamcoreStrategic or Co-development PartnerLeading Turkish glass and chemicals manufacturer. Partnership includes Working Capital Note issuance via Faturalab. Şişecam has 43 production facilities in 12 countries with 23,000+ employees.
• VestelstrategicStrategic or Co-development PartnerTechnology and home appliances manufacturer. Won Best Integrated Working Capital Project award for supply chain program. Program enables suppliers to use multiple bank limits.
• Düzey (Koç Group)strategicStrategic or Co-development PartnerKoç Group FMCG distribution company. Partnership digitizes supplier financing, enabling early collection channels for Düzey's suppliers across 200,000 sales points.
• Petrol OfisistrategicStrategic or Co-development PartnerTurkey's leading fuel, lubricants, and chemicals company. Partnership provides dynamic discounting and working capital solutions for Petrol Ofisi's supplier network.
• eBebekstrategicStrategic or Co-development PartnerMother and baby products retail leader. First-of-its-kind sector partnership with participation banks (Albaraka Türk, Türkiye Finans) for supply chain financing.

Scale indicators24 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• C2FO: Largest global B2B working-capital marketplace connecting suppliers, buyers and multiple funding sources for early-payment and dynamic discounting. Closely comparable to Faturalab's multi-bank SCF, dynamic discounting and approved-invoice financing model.
• PrimeRevenue: Global supply chain finance platform providing multi-bank funding, supplier financing and dynamic discounting for large corporates. Comparable to Faturalab in serving enterprise buyers and their supplier networks with bank-agnostic financing.
• Taulia (part of SAP): Supply chain finance and dynamic discounting platform embedded into SAP ecosystems for working-capital optimization. Highly comparable given Faturalab's SAP plug-in strategy and enterprise buyer integration focus.

Emerging players

• Hokodo: European B2B trade-credit and embedded-finance platform offering invoice financing and payment terms to SMBs. Comparable to Faturalab's SME supplier financing and embedded-finance positioning, though more SMB-focused and less multi-bank.
• Stenn: Cross-border trade-finance platform financing SMEs and mid-market exporters against invoices and purchase orders. Comparable to Faturalab on invoice-based financing for underserved SMEs; differs in cross-border trade focus.
• Resolve (formerly FieldEdge): B2B payments and net-terms financing platform for marketplaces and vertical SaaS. Closely comparable to Faturalab's Hepsiburada-style embedded supplier financing for digital commerce and marketplaces.
• Balance: B2B payments and trade-finance platform offering net-terms, invoice financing and supplier payments. Comparable on multi-funder invoice financing for marketplaces and suppliers.
• Drip Capital: Cross-border trade-finance platform providing working-capital and invoice-financing solutions to exporters and SMBs. Comparable to Faturalab on invoice-based working-capital financing for SMB exporters.

Regional players

• Teylor: European SMB lending and supply-chain finance fintech focused on Germany/Switzerland/Italy. Comparable business model (digital SCF for SMEs) but European geography vs. Faturalab's Turkey/MENA focus.

Broad incumbents

• Mbridge (Mastercard Track): Mastercard's B2B trade and supply-chain network connecting buyers, suppliers and banks for SCF and early-payment programs. Comparable broad-scope SCF orchestration from a global incumbent rather than a regional specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/faturalab
• Facebookfacebook.com/faturalab
• Instagraminstagram.com/faturalab

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors

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 Faturalab