QNB Finans Faktoring

What QNB Finans Faktoring does

QNB Finans Faktoring (legal name: QNB Faktoring A.Ş.) is a Turkish factoring services provider and a wholly-owned subsidiary of QNB Finansbank, which is itself part of QNB Group (Qatar National Bank). Founded in 2009 and headquartered in Şişli, Istanbul, the company offers domestic factoring (Yurtiçi Faktoring), international/export factoring (Yurtdışı Faktoring), SME-specific solutions (Kobilere Özel Çözümler), and supplier financing (Tedarikçi Finansmanı). The international product packages intelligence, guarantee, collection, and financing services for export invoices to foreign buyers, while the SME product targets working capital conversion of receivables and checks for Turkish small and medium enterprises.

The company operates a hybrid distribution model combining 17 physical branches across Turkey with digital channels. The digital surface includes the QNB Dijital Köprü platform (a co-marketed business platform operated by QNB Finansbank that connects hundreds of thousands of businesses to banking and financial services), a web-based application portal, and the QNB Faktoring Mobil mobile application available on iOS and Android. The mobile app allows customers to submit check and invoice photographs and receive financing decisions in minutes, supporting a self-service/PLG motion alongside traditional direct sales through branches and a contact center.

QNB Finans Faktoring generates revenue primarily through transaction fees on factoring operations, with pricing determined per transaction based on volume, maturity, and credit risk assessment under a quote-based model. The customer base is concentrated in two primary segments: KOBİ (Turkish SMEs) needing receivable-to-cash conversion, and İhracatçı (exporters) needing international factoring for risk mitigation and cross-border collection. The company also references compliance positioning related to the EU's Carbon Border Adjustment Mechanism (SKDM) for Turkish exporters. No public revenue figures, funding rounds, or recent M&A activity are disclosed.

Name

QNB Finans Faktoring

Legal name

QNB Faktoring A.Ş.

Website

https://qnbff.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

QNB Finans Faktoring is a QNB Finansbank subsidiary providing domestic and international factoring, supplier financing, and SME working capital solutions across Turkey through 17 branches, a mobile app, and the QNB Dijital Köprü digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Sisli

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Transaction Fees: QNB Finans Faktoring generates revenue through transaction fees charged on factoring operations including domestic factoring, international factoring, and check/invoice financing. Fees are typically based on the volume and risk profile of the transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

QNB Finans Faktoring is a Turkish factoring company that purchases receivables (checks and invoices) from businesses and advances immediate cash against them. It offers domestic factoring (Yurtiçi Faktoring), international/export factoring (Yurtdışı Faktoring) with intelligence, guarantee, collection and financing services, plus SME-tailored solutions and supplier financing. Services are delivered through 17 physical branches, a web application portal, and a mobile app, with integration into QNB FinansBank's Dijital Köprü digital ecosystem.

Product overview

QNB Finans Faktoring operates as a factoring services platform offering a unified suite of financial solutions. The core products include Yurtiçi Faktoring (domestic factoring) and Yurtdışı Faktoring (international/export factoring), complemented by Kobilere Özel Çözümler (SME-specific solutions) and Tedarikçi Finansmanı (supplier financing). The company delivers services through its digital platform Dijital Köprü, mobile application QNB Faktoring Mobil, and an extensive branch network of 17 branches across Turkey, with digital application channels enabling rapid cash conversion of invoices and checks.

Differentiator

Problem solved

Functional benefit

Products and services

• Yurtiçi Faktoring (Domestic Factoring) Domestic factoring service that enables Turkish companies to convert their receivables (invoices and invoice-dated checks) into immediate cash. Provides financing, guarantee, and collection services within Turkey for businesses facing long payment terms.
• Yurtdışı Faktoring (International/Export Factoring)
• Kobilere Özel Çözümler (SME-Specific Factoring Solutions)
• Tedarikçi Finansmanı (Supplier Financing)
• QNB Faktoring Mobil (Mobile Application)

Quantifiable outcome

• Quick financing decisions for urgent cash needs

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• QNB Dijital KöprücoreGTM or Marketing PartnerQNB Dijital Köprü is QNB FinansBank's digital business platform where QNB Finans Faktoring services are offered alongside banking and other financial services. The platform connects hundreds of thousands of companies, serving as a co-marketing and distribution channel for factoring products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Deniz Faktoring: Factoring subsidiary of DenizBank in Turkey, providing domestic and international factoring services to SMEs and corporates. Comparable in scale, distribution model (branches + digital), and customer segments.
• Yapı Kredi Faktoring: Factoring arm of Yapı Kredi, one of Turkey's largest private banks. Directly competes in domestic factoring, export factoring, and SME working capital financing with comparable product breadth and digital onboarding.
• Halk Faktoring: Factoring subsidiary of Halkbank, a major Turkish state-linked commercial bank. Directly comparable business model serving SMEs and exporters with similar domestic and international factoring products.
• ING Faktoring: Factoring business of ING in Turkey (previously Fibabanka). Comparable factoring and receivables financing offerings targeting Turkish SMEs and exporters under a global banking brand.
• Vakıf Faktoring: Factoring subsidiary of Vakıfbank, one of Turkey's largest state banks. Operates with a similar bank-affiliate structure and product suite focused on SME receivables financing.
• İş Faktoring: Factoring subsidiary of İş Bankası, Turkey's largest private bank. Comparable across domestic/international factoring and SME solutions, with similarly broad branch coverage and corporate-banking distribution.
• Garanti Faktoring: Factoring subsidiary of Garanti BBVA in Turkey, offering domestic and international factoring with nationwide branch coverage. Closest direct competitor given similar bank-affiliate structure, product set, and SME focus.

Broad incumbents

• Akbank: Major Turkish private bank with trade finance, SME lending, and working-capital products overlapping with factoring. While Akbank's factoring exposure is smaller, it competes for the same SME working capital wallet in Turkey.
• QNB Finansbank: Parent bank and broader incumbent offering trade finance, working capital loans, and SME banking that partially overlap with factoring. Included as the closest large-scale incumbent providing competing working-capital products in Turkey.
• HSBC Faktoring Turkey: Turkish factoring operations of HSBC, a global bank. Overlaps with QNB Finans Faktoring in international/export factoring and large-corporate receivables finance, but HSBC offers this as part of a much broader wholesale banking franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/qnbfinansfaktoring
• LinkedInlinkedin.com/company/qnb-finansfaktoring

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 QNB Finans Faktoring