Name

ifis finance

Legal name

Ifis Finance Sp. z o.o.

Website

https://ifisfinance.pl

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Factoring Services

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

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

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing & Factoring (FSAKAGAC), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Factoring services
• Invoice financing
• Working capital financing
• Receivables management
• Supplier financing programs

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Commission and Fees: Revenue generated through commission fees on factored receivables, including both recourse and non-recourse factoring arrangements. Fees are based on the volume of receivables financed and risk assessment of the debtor portfolio.
2. Advance Payments Interest: Interest income generated from providing advance payments on receivables to clients, typically 80-100% of invoice value paid upfront with remainder settled upon client payment.
3. Supplier Financing Program Commission: Revenue from reverse factoring arrangements where the company facilitates early payment to suppliers on behalf of buyers, earning commission typically covered by supplier discounts negotiated for early payment.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Ifis Finance Sp. z o.o. is a Polish factoring company and wholly-owned subsidiary of Italian banking group Banca Ifis S.p.A. The company provides a comprehensive suite of factoring and receivables financing solutions to Polish SMEs, including domestic factoring, international (export/import) factoring, recourse and non-recourse factoring, reverse factoring/supplier financing programs, maturity factoring, and public administration factoring. The company advances 80-100% of invoice gross value within 24 hours of submission, with the balance settled upon client payment, while also offering debtor verification, credit risk assessment, and professional debt collection services.

Product overview

Ifis Finance is a Polish factoring company (subsidiary of Banca Ifis) offering a comprehensive suite of factoring services for SMEs. The core offerings include domestic and international factoring variants: recourse and non-recourse (with full insolvency protection), export and import factoring for cross-border trade, reverse/supplier financing programs, maturity factoring, and public administration factoring. The product portfolio enables Polish businesses to obtain immediate liquidity from receivables, manage credit risk, and optimize working capital. Services are accessed through the myIfis client portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Domestic Factoring (Faktoring na rynku krajowym) Factoring services for the Polish domestic market enabling companies to finance working capital and manage receivables within Poland. Includes advance payments on invoices, debtor verification, and professional debt collection for B2B receivables from Polish buyers.
• International Factoring (Faktoring na rynku międzynarodowym) Export and import factoring solutions for companies trading internationally, providing immediate liquidity and debt collection services for foreign transactions. Includes cross-border debtor verification and credit risk management for foreign clients.
• Recourse Factoring (Faktoring z regresem) Factoring service where the seller retains liability if the debtor fails to fulfill payment obligations, providing immediate liquidity against receivables. Lower commission compared to non-recourse since the factor does not assume full credit risk.
• Non-recourse Factoring (Faktoring bez regresu / Pro soluto) Full factoring service where the factor assumes 100% of the risk of debtor insolvency, releasing the seller from all liability upon assignment of the receivable. Higher commission due to full risk transfer to the factor.
• Export Factoring Manages commercial credit toward foreign clients, providing recourse and non-recourse factoring options with advance payment capabilities for companies exporting goods and services, particularly to Italy.
• Import Factoring Service for companies exporting to Poland and Polish companies importing from abroad, including credit purchase, collection management, and insolvency risk assumption for international transactions.
• Reverse Factoring (Faktoring odwrotny) Supplier financing program where invoices for purchases are assigned to the factor, which pays suppliers on original or shortened terms while the buyer settles on extended deadlines. Helps buyers negotiate discounts while improving supplier relationships.
• Maturity Factoring Guarantees payment at the maturity date of transferred receivables, offering the buyer extended payment terms while the seller receives certainty of payment at maturity.
• Non-recourse Final Purchase Definitive purchase of receivables with full transfer of credit and payment delay risk to the factor, providing the seller with complete removal of receivable-related risk from their balance sheet.
• Advance on Future Receivables (Anticipo crediti futuri) Financing through advance payment on receivables that will derive from contracts with customers, enabling companies to obtain working capital based on contracted future revenue streams.
• Public Administration Factoring (Faktoring dla sektora publicznego) Factoring services for companies supplying to Polish public administration, managing and financing commercial receivables portfolios from Polish government entities and public sector bodies.
• Supplier Financing Program Program enabling buyers to offer suppliers early payment through factoring agreements, with commission split between parties and no own funds required by the buyer. Used by mid-market and large enterprises to optimize payment terms and negotiate early payment discounts.
• myIfis Portal Client login portal for accessing factoring services, account management, and transaction processing. Allows existing clients to submit invoices for financing, track payments, and manage their factoring accounts online.

Quantifiable outcome

• 88% of Polish entrepreneurs experience payment delays from contractors
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Associazione Polacca del Factoring (Polish Factoring Association)coreStrategic or Co-development PartnerIfis Finance joined the Polish Factoring Association in 2008, demonstrating commitment to industry standards and best practices in the Polish factoring market.

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Emerging players

• CapitalBox (formerly faktoring.pl): Polish fintech offering online factoring and invoice financing to SMEs with automated onboarding and digital flow. Competes with Ifis at the SME segment with a fully digital, lower-overhead proposition versus Ifis's relationship-led model.

Direct peers

• Pragma Faktoring S.A. Largest independent Polish factoring company, also serving SMEs and mid-market with domestic and export factoring. Closest direct competitor to Ifis Finance on Polish soil, competing head-to-head for SME relationships and market share.
• KUKE (Korporacja Ubezpieczeń Kredytów Eksportowych): Polish state-owned export credit insurer that also operates factoring services, particularly for exporters and public-sector receivables. Overlaps with Ifis's export and public administration factoring lines, especially in cross-border Polish-Italy trade.
• Banca Sistema S.p.A. Italian specialty factoring bank listed on Milan Borsa Italiana STAR segment, structurally the closest international twin to the Ifis Finance business model inside Banca Ifis Group. Comparable offering, scale, and listing profile as Banca Ifis Group's factoring operations.
• Bibby Financial Services Poland: Polish arm of UK-headquartered Bibby Financial Services, providing factoring and invoice discounting to Polish SMEs and mid-market clients. Direct competitor in the same Polish factoring segment with similar product set and target customers.

Broad incumbents

• Coface SA: Global trade credit insurer and factoring provider serving Polish and international clients with credit insurance and receivables management. Broad incumbent with overlapping capabilities but operates across credit insurance, surety, and information services beyond factoring.
• Allianz Trade (formerly Euler Hermes): World's largest trade credit insurer operating in Poland with factoring and receivables management offerings. Significant incumbent with broad product portfolio and global scale, compared with Ifis's narrower SME factoring focus.
• Santander Factoring (Santander Bank Polska): Bank-owned factoring operation within Santander Bank Polska serving corporate and SME clients. Competes with Ifis across SME and mid-market segments, leveraging deposit-funded balance sheet as a structural advantage.
• Atradius N.V. Global credit insurance and receivables management firm operating factoring in Poland and globally. Incumbent offering similar factoring functions but within a larger credit insurance and collections portfolio.

Regional players

• FIMBank plc: Malta-based international factoring and trade finance provider with European operations, focused on cross-border trade receivables financing. Comparable to Ifis's international/export factoring line; not head-to-head in Poland but operationally similar.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Banca.IFIS
• LinkedInlinkedin.com/company/banca-ifis
• Instagraminstagram.com/bancaifis

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

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 ifis finance