Faktorama SA

What Faktorama SA does

Faktorama SA is a Poland-founded fintech, established in 2013, that provides supply chain financing and factoring solutions primarily to small and medium enterprises (SMEs) operating in Europe. Its core product portfolio consists of accounts receivable financing (invoice factoring), inventory financing, and reverse factoring / supply chain financing, complemented by recourse and non-recourse factoring structures and a Commission Based Financing (CBF) offering. Pricing is transparent and transaction-based, with a stated rate of 1–2% per 30 days across financing periods ranging from 30 to 150 days. The platform's flagship differentiator is the American Express Program, established in 2023, under which Faktorama serves as the centralized payment platform for American Express in the European Economic Area (EEA), enabling suppliers to be paid via AmEx card with up to 58 days of payment terms and AmEx reward points earning.

The company operates a direct sales-led go-to-market model, supported by content marketing via its blog, organic SEO, and a LinkedIn presence, targeting SMEs that lack traditional bank collateral and businesses seeking extended payment terms via AmEx. Customer concentration is anchored in select enterprise relationships—notably Advent's portfolio companies since 2018—alongside SMB clients such as Evolue Skincare and Sentio. The company maintains dual headquarters in Warsaw, Poland (Wlodarzewska 33/5) and Reno, Nevada (243 Stewart Street), with a small management team led by CEO Jakub Ananicz and COO Oscar Loyd. Co-financing arrangements with leading financial institutions support balance-sheet capacity for its factoring operations.

Strategically, Faktorama is in an expansion phase: following the 2023 EEA platform mandate, it is broadening its AmEx-aligned program across Western Europe in 2025 and laying the groundwork for entry into the United States market. The underlying technology is described as a web-based platform purpose-built for PO financing, inventory financing, and invoice purchasing with a dedicated AmEx integration; no proprietary AI/ML capabilities, patents, or API products are disclosed.

Name

Faktorama SA

Legal name

Faktorama Inc.

Website

https://faktorama.pl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Faktorama SA is a Poland-founded fintech that provides supply chain financing, invoice factoring, and inventory financing to SMEs across Europe. As American Express's centralized EEA payment platform, it enables AmEx-based supplier payments with extended terms, operating from Warsaw and Reno with a small team.

Ownership category

akta.pro rank

Product category

Supply Chain Financing

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

akta.pro industry

PRIMARYBPAAAGAK

Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Finance & Accounting Outsourcing (AP/AR, GL, Billing)

SECONDARYFSAGABAE

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAMAGAE

Direct Debit / ACH Collections & Recurring Billing

Financial & Insurance/Payments & Transaction Processing/ACH & Direct Debit Processing

Keywords

• Supply chain financing
• Invoice factoring
• Accounts receivable financing
• Inventory financing
• Business financing services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring and Financing Services: Faktorama generates revenue through transaction-based financing fees, charging 1-2% per 30 days of financing. The company provides accounts receivable financing, inventory financing, and purchase order financing services, with financing periods ranging from 30 to 150 days.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Faktorama SA provides supply chain financing and factoring services to small and medium-sized businesses, including accounts receivable financing (invoice factoring), inventory financing, and the American Express Program that enables suppliers to be paid via Amex cards with up to 58 days payment terms. The company charges 1-2% per 30 days of financing with terms ranging from 30 to 150 days, and operates as the centralized payment platform for American Express in the European Economic Area.

Product overview

Faktorama SA operates a web-based financing platform offering a suite of supply chain finance and factoring solutions. The core product portfolio includes Accounts Receivable Financing (invoice factoring), Inventory Financing, and the American Express Program which serves as the centralized payment platform for American Express in the EEA. Additional offerings include Recourse and Non-Recourse Factoring structures, Reverse Factoring (supply chain financing), and Commission Based Financing (CBF). The platform enables businesses to optimize cash flow, finance inventory, and access working capital without taking on traditional debt, with financing periods ranging from 30 to 150 days at rates of 1-2% per 30 days.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounts Receivable Financing Invoice factoring service that provides immediate cash flow by allowing businesses to sell their outstanding invoices to Faktorama at a discount; Faktorama then collects payment from the end customer at the specified period. Designed for SMEs needing working capital without traditional bank collateral.
• Inventory Financing Financing solution that allows companies to use existing inventory as collateral to acquire new inventory, with Faktorama providing upfront funding and the company repaying upon sale of the inventory. Suppliers can receive funds within 48 hours, helping businesses prepare for peak seasons and boost company performance.
• American Express Program

Quantifiable outcome

• Suppliers receive funds within 48 hours for inventory financing
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• American ExpresscoreStrategic or Co-development Partner · 1 January 2023In 2023, Faktorama became the centralized payment platform for American Express in the European Economic Area (EEA), with a dedicated focus on supply chain financing. This strategic partnership enables Faktorama to expand operations across the EEA and leverage American Express's payment infrastructure.
• UncappedminorGTM or Marketing PartnerPartner company shown in 'Meet Our Partners' section of website, indicating a business relationship in the financing ecosystem.
• Apollo CapitalminorGTM or Marketing PartnerPartner company shown in 'Meet Our Partners' section of website.
• SoapBoxminorGTM or Marketing PartnerPartner company shown in 'Meet Our Partners' section of website.
• Hu-maminorGTM or Marketing PartnerPartner company shown in 'Meet Our Partners' section of website.

Scale indicators2 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Defacto: French supply chain finance fintech providing SCF and invoice financing to SMEs; directly comparable on the SCF/invoice-finance product set and European focus.
• Uncapped: UK/Polish-headquartered fintech providing revenue-based and working capital financing to SMEs; the closest direct comparable to Faktorama in terms of geography, customer segment, and product set, and already a listed Faktorama partner.
• BlueVine: US-based fintech offering invoice factoring, lines of credit, and business banking to SMEs; directly comparable on invoice factoring mechanics and SME target market.
• Liberis: Global revenue-based financing platform embedded in payment processors and SaaS platforms; comparable business model of providing working capital to SMEs in partnership with larger platforms.
• Clearco: Revenue-based financing provider for SMEs and ecommerce businesses; comparable in offering capital tied to receivables/sales rather than traditional collateral.
• Fundbox: US-based platform providing invoice-based financing and working capital to small businesses; closely comparable on the AR-financing product line and SME segment.
• iwoca: European SME lender offering invoice financing and working capital lines to small businesses across the UK and continental Europe; comparable customer profile and product breadth to Faktorama.

Emerging players

• Wayflyer: Ireland-headquartered revenue and inventory financing provider focused on ecommerce SMEs; comparable on the inventory-financing product line and SME customer base, though more verticalized.

Broad incumbents

• PrimeRevenue: Established global supply chain finance platform serving mid-market and enterprise buyers and suppliers; comparable on the SCF mechanic though targeting larger enterprises than Faktorama.
• C2FO: Large working capital marketplace offering dynamic discounting and supply chain financing to businesses of all sizes; broader and more established than Faktorama but operates in the same AR/SCF category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/faktoramainc

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 Faktorama SA