Groupe ACFI

What Groupe ACFI does

Groupe ACFI (legally ACFI Network, SAS) is a French boutique financial services firm founded in 2014 and headquartered in Aix-en-Provence, operating with 1–10 employees and a stated capital of €50,000. The company specializes in structuring, implementing, and managing Reverse Factoring (Supply Chain Finance) programs — marketed under the registered brand Reverse PME® — for French SMEs and mid-sized enterprises (ETIs), a market segment previously underserved by traditional factoring providers that focused on large corporates. Programs are delivered through a tripartite model connecting donneurs d'ordres (buyers), their supplier networks, and partner financial institutions, with credit-insurance guarantees provided by partners including Groupama Assurance-crédit & Caution and URIOS.

The underlying technology is the ACFI Network® SaaS platform, built on Symfony 4 (PHP 7.2) and hosted across three Tier III datacenters via Swiss provider Infomaniak (ISO 27001/9001/14001/50001 certified). The platform provides real-time electronic invoice exchange, invoice qualification and dispute management, dematerialization (automatic PDF reading, electronic signature, digital vault), and EDI integration with buyer and supplier accounting systems, with a stated 99.99% availability rate. ACFI's differentiation rests less on the platform itself and more on the firm's 10+ years of specialized expertise in structuring Reverse PME® programs end-to-end — from supplier-position analysis and program design through platform setup, team training, and supplier enrollment — combined with the FINANCE INNOVATION label awarded in 2015.

Revenue is generated through three streams: transaction-based fees tied to invoice volumes processed through programs, recurring SaaS/platform access bundled into program offerings, and professional services for program structuring, training, and supplier onboarding. Distribution is primarily direct enterprise sales to buyers with revenue starting from tens of millions of euros, supplemented by indirect channels through independent insurance brokers (notably Delta assurances) and financial-institution referrals (ABN AMRO Commercial Finance, La Banque Postale Leasing & Factoring). Pricing is bespoke and quote-based, with multi-year contracts and no publicly disclosed tiers. The firm is independently owned by its management team with no disclosed external investment.

Name

Groupe ACFI

Legal name

ACFI Network

Website

https://groupe-acfi.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Groupe ACFI is a French boutique founded in 2014 that structures and manages Reverse Factoring (Supply Chain Finance) programs for SMEs and ETIs via its ACFI Network® SaaS platform, connecting buyers, suppliers, and partner financial institutions across France.

Ownership category

akta.pro rank

Product category

Supply Chain Finance (Reverse Factoring)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)

Keywords

• Reverse factoring
• Supply chain finance
• Invoice dematerialization
• SME financing solutions
• Buyer-supplier financing

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Reverse Factoring Program Management: ACFI Network structures, implements, and manages Reverse Factoring programs for donneurs d'ordres (buyers) and their suppliers. Revenue is derived from transaction-based fees and program management fees tied to the volume of invoices processed through the platform. The company has partnerships with financial institutions and credit insurers who provide the actual financing and guarantee elements.
2. Platform SaaS Access: The ACFI Network SaaS platform provides secured access to buyers, suppliers, and financiers for managing Reverse Factoring programs, including dematerialization services. This is provided as part of the overall program offering.
3. Professional Services & Training: ACFI provides hands-on accompagnement including analysis of supplier positions, program structuring, team training, and supplier enrollment support throughout program deployment.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Groupe ACFI (ACFI Network) structures, implements, and manages Reverse Factoring (Supply Chain Finance) programs for French SMEs and mid-sized enterprises (ETI). Its flagship offering, Reverse PME®, enables buyers to secure supply chains, extend payment terms, and provide suppliers with early payment through partnered financial institutions and credit insurers. Programs are operated on the proprietary ACFI Network® SaaS platform, which handles real-time invoice exchange, qualification, disputes, EDI integration, electronic signature, and digital document storage.

Product overview

Groupe ACFI operates as a specialized financial services provider with a single core product line centered on Reverse Factoring for SMEs and mid-sized enterprises. The primary offering, Reverse PME®, is a reverse factoring solution tailored to smaller companies, and it is delivered through the Plateforme SaaS ACFI Network® — a secure, web-based platform that facilitates real-time information exchange between buyers, suppliers, and financial partners. The platform includes an add-on dematerialization module providing electronic signature, PDF reading, and digital vault services. The overall portfolio is focused, unified, and operationally integrated around the reverse factoring workflow.

Differentiator

Problem solved

Functional benefit

Brands

• Reverse PME®: The company's flagship branded reverse factoring product specifically designed for SMEs and ETIs, labeled by FINANCE INNOVATION in 2015. Enables buyers to provide early payment to suppliers through a financial institution partner while extending their own payment terms.
• ACFI Network®

Products and services

• Reverse PME®
• ACFI Network® SaaS Platform
• Dématérialisation de documents comptables

Quantifiable outcome

• Suppliers paid within 10 days (vs. 60-95 day buyer payment terms) enabling suppliers to prefer buyers using Reverse Factoring
• +4 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core, major and minor.

• FINANCE INNOVATIONcoreStrategic or Co-development Partner · 1 January 2015FINANCE INNOVATION, a global competitiveness cluster, labeled Reverse PME® in 2015 in the 'Métiers du Chiffre et du Conseil' category. The labeling validated the innovation and relevance of ACFI's approach to democratizing Reverse Factoring for PME/ETI. Hélène Forest, Chargée de Mission at FINANCE INNOVATION, provided endorsement noting Reverse PME® enables virtuous development of exchanges in complex situations and adapts to the less structured SME market.
• Groupama Assurance-crédit & CautioncoreStrategic or Co-development Partner · 1 January 2014Groupama Assurance-crédit & Caution, subsidiary of mutualist group Groupama, is a generalist insurer and partner of ACFI Network in implementing guarantees for Reverse PME® programs. Jérôme Le Baron, Commercial Director, noted ACFI's expertise since 2014 provides complementary analysis and audit for their risk monitoring. They appreciate the reactivity and professionalism of ACFI teams.
• Delta assurancesmajorChannel Partner/ Reseller/ DistributorDelta assurances, independent insurance broker ranked 18th generalist French broker and 3rd in financial risks, uses ACFI Network services to manage Reverse Factoring programs for their clients. Véronique Cézard and Rodolphe Lelay represent the company. Delta assurances acts as an introducing intermediary, using ACFI's platform and expertise to serve their clients' financing needs.
• URIOSmajorStrategic or Co-development PartnerURIOS provides credit insurance for Reverse PME® programs, including the program for Ludendo / La Grande Récré. They are an essential partner in the tripartite arrangement providing guarantees that enable the Reverse Factoring programs to function.
• ACFI LinkminorChannel Partner/ Reseller/ DistributorACFI Link is an independent financing broker network. The company website references ACFI Link as a network for companies seeking independent enterprise financing brokerage services, suggesting a relationship with independent broker partners.
• Infomaniak Network SAcoreTechnology or IntegrationInfomaniak Network SA (Switzerland) provides hosting services for ACFI Network's website and platform. They are certified ISO 27001 (information security), ISO 9001 (quality), ISO 14001 (environmental), and ISO 50001 (energy), providing the infrastructure security and reliability that supports ACFI's 99.99% availability commitment.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Taulia: Supply chain finance platform connecting buyers and suppliers for early payment programs. Directly comparable to ACFI's Reverse PME® offering in that it structures and operates invoice-finance programs via a SaaS layer, though at larger enterprise scale.
• Demica: Supply chain finance and receivables platform for corporate buyers and their supplier networks. Comparable to ACFI as it offers structured SCF programs via a technology platform with bank partnerships.
• Orbian: Supply chain finance provider offering working capital solutions for buyers and suppliers, structured around bank-partnered programs. Comparable to ACFI in operating a multi-party SCF model with technology-mediated invoice processing.
• PrimeRevenue: Global supply chain finance platform serving large buyers and their suppliers with multi-bank, multi-currency programs. Comparable to ACFI's Reverse PME® as a multi-financier SCF orchestrator, though at much larger scale.
• C2FO: Working capital marketplace that allows suppliers to receive early payment on approved invoices from buyers. Comparable to ACFI because it orchestrates the buyer–supplier–financier triangle with a SaaS/transaction-fee model.

Broad incumbents

• Société Générale Factoring: Factoring arm of Société Générale providing traditional and reverse factoring to French corporates and mid-market buyers. Comparable as a large bank-affiliated competitor in the same French Reverse Factoring segment.
• BNP Paribas Factor: Factoring and receivables finance arm of a major French banking group. Comparable as a competing provider of supplier financing and Reverse Factoring programs to French PME/ETI buyers, with much larger balance-sheet capacity.
• Crédit Agricole Factor: Factoring subsidiary of Crédit Agricole serving French SMEs and mid-market companies with reverse factoring and receivables financing. Comparable to ACFI's target buyer segment in France.

Emerging players

• Trovata: Cloud-based cash management and treasury platform connecting ERP data to financial workflows. Comparable to ACFI in addressing working capital and BFR visibility for finance teams, though via treasury rather than factoring.
• Linxo: French fintech offering account aggregation, BFR analytics, and cash management tools to SMEs and corporates. Comparable as a French B2B fintech addressing BFR and cash visibility for the same PME/ETI buyers ACFI serves.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-acfi

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Groupe ACFI