What Mbfacta Spa does

MBFACTA S.p.A. is an Italy-domiciled, Bank of Italy-supervised factoring intermediary (authorized under Article 106 TUB) and a wholly-owned subsidiary of Mediobanca, operating from its Milan headquarters at via Siusi 7. The company provides a full-stack set of factoring and working-capital services — including core Factoring, Confirming, International Factoring, Instalment Factoring, Maturity Factoring, Maturity with Deferral, Reverse Factoring, Tax Credit Assignment, Direct Promissory Note Discounting, and Guarantees of Commercial Credits — targeted at Italian SMEs and medium-to-large commercial and industrial companies, as well as foreign multinationals operating in Italy. A specialized facility is operated for French suppliers of the Stellantis Group, evidencing vertical-specific capabilities built off parent-group industrial relationships.

The underlying platform is a digital factoring stack comprising a dedicated 24/7 Confirming Portal (with user profiling, automatic document generation, digital signatures, and customizable reporting, accessed via the Mediobanca network), automated instalment-receivables management workflows capable of handling large debtor populations with periodic ad hoc reporting, and a comprehensive receivables management system that combines financial, insurance, and management services. International operations are enabled through Factor Chain International (FCI) and International Factor Group (IFG) two-factor network memberships for cross-border export/import receivables management.

MBFACTA operates an enterprise sales-led go-to-market, leveraging Mediobanca's corporate relationships to engage directly with corporate treasurers and finance managers of medium-large industrial and commercial clients. Revenue is generated through three streams: (i) transaction fees on factored receivables (recourse and non-recourse); (ii) interest income on advances against assigned receivables before maturity; and (iii) service fees for receivables management, collection, credit risk assessment, and administrative processing. Pricing is quote-based and customized by transaction characteristics, with no publicly disclosed rate cards. The company is a member of ASSIFACT (Italian Factoring Association) and maintains full GDPR, BMR, AGID accessibility, and whistleblowing compliance.

Name

Mbfacta Spa

Legal name

MBFACTA S.p.A.

Website

https://mbfacta.it

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

MBFACTA S.p.A. is the factoring and working-capital financing subsidiary of Mediobanca, supervised by the Bank of Italy, providing trade receivables management, confirming, reverse factoring, instalment and international factoring to Italian SMEs, medium-large industrial and commercial companies, and select multinational supply chains.

Ownership category

akta.pro rank

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Transaction Fees: Revenue generated from factoring transaction fees charged on assigned receivables. Includes both recourse and non-recourse factoring arrangements where the company earns fees for managing, collecting, and providing credit protection on trade receivables.
2. Advance/Financing Income: Interest income from providing advance payments on assigned receivables before maturity. The factor advances funds to assignors and earns interest on the financing provided.
3. Service Fees: Management and administrative service fees for receivables management, collection services, and reporting. Services include credit risk assessment, debtor monitoring, and administrative processing.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

MBFACTA provides factoring, receivables management, and working capital financing services for commercial and industrial companies. Its core offering centres on the management, acquisition, advance, and insurance of trade receivables through both recourse and non-recourse arrangements, complemented by confirming, international factoring, instalment factoring, maturity, maturity with deferral, and reverse factoring services. The platform transforms trade receivables into liquid resources while providing professional collection, credit protection, and administrative services.

Product overview

MBFACTA S.p.A. is a factoring company of Mediobanca offering a comprehensive suite of financial and management services for commercial and industrial companies. The core product portfolio centers on seven main factoring services: Factoring (general), Confirming, International Factoring, Instalment Factoring, Maturity Factoring, Maturity with Deferral, and Reverse Factoring. These are supported by additional products including Payment Extensions, Guarantee of Commercial Credits, Financing through Promissory Note Discounting, Pro-Soluto and Pro-Solvendo Factoring variants, Assignment of Tax Credits, Confirming with Payment Mandate, and specialized services like Factoring for French Stellantis suppliers. The company operates as a platform-based model offering both recourse and non-recourse options with notification and non-notification variants, targeting SMEs to large industrial groups.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring Core factoring service for management, acquisition, advance, and insurance of trade receivables for commercial and industrial companies. Provides financial, insurance, and management components to transform receivables into liquid resources, available in both recourse (pro-solvendo) and non-recourse (pro-soluto) variants.
• Confirming Dedicated portal supporting the company's production chain and facilitating supplier credit access and liquidity management. Features secure 24/7 operational portal with user profiling, automatic document generation, digital signature management, and customisable reporting.
• International Factoring Offers forms of guarantee to foreign suppliers and coverage of export risks through a two-factor system with export and import factors managing international receivables, primarily in non-recourse form. Operates via Factor Chain International and International Factor Group networks.
• Instalment Factoring (Factoring Rateale) Factoring managed both with and without recourse on assigned receivables that allow payment in instalments. Includes sophisticated automated procedures for management and collection of instalment receivables, capable of handling large numbers of debtors and payment instalments with periodic ad hoc reporting.
• Maturity Factoring Management of trade receivables with payment to the assignor on a certain and predetermined date, regardless of the due date of the receivables. Enables receivable derecognition and liquidity risk transfer to the Factor.
• Maturity with Deferral (Maturity con Dilazione) Supplier receives certainty of collection on an agreed date while the client can further defer payment. Designed for companies with indirect distribution networks, foreign multinationals, purchasing groups, and large retailers. Allows financial charges to be distributed between supplier and client.
• Reverse Factoring Manages the company's payables and payments to suppliers participating in a triangular agreement. Optimizes payment flows and uses trade payables as an alternative financing source, strengthening supplier relationships.
• Assignment of Tax Credits (Cessione di Crediti di Imposta) Service for assignment of tax credits, including non-recourse factoring with definitive acquisition.
• Guarantee of Commercial Credits (Garanzia di Crediti Commerciali) Guarantee product covering commercial credit risk for clients.
• Financing through Direct Promissory Note Discounting Financing product using direct promissory note discounting as collateral.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered predecessor/business transfer, industry, operational, international network and core.

• Creditech S.p.A.predecessor/business transferOthers · 1 April 2017Creditech S.p.A.'s factoring business unit was transferred to MBFACTA S.p.A. effective April 1, 2017, making MBFACTA the legitimate and exclusive owner of all related legal relationships. Creditech had been active in factoring since 2014 within Mediobanca.
• ASSIFACTindustryOthersMBFACTA is associated with ASSIFACT, the Italian Factoring Association. Membership demonstrates industry commitment and enables participation in industry standards development and professional networking within the Italian factoring sector.
• BDO Advisory Services S.r.l.operationalTechnology or IntegrationBDO provides the whistleblowing reporting platform used by MBFACTA. The platform enables secure, confidential reporting with encryption, and BDO cannot access the information contained in reports made.
• Factor Chain Internationalinternational networkOthersInternational factoring network enabling standardized relationship management and data exchange between import and export factors at international level for cross-border factoring operations.
• International Factor Groupinternational networkOthersInternational factoring network providing standardized international relationship management and data exchange capabilities for cross-border receivables management and factoring services.
• Import Factors (International Network)coreStrategic or Co-development PartnerIn the two-factor system for international factoring, import factors operating in the debtor's/importer's country maintain relationships with debtors for collecting assigned receivables, providing accurate credit risk assessment and greater credit management capacity.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Illimity Bank: Italian digital bank with a factoring and corporate lending business focused on SMEs - emerging player with overlapping factoring proposition and target market.

Direct peers

• Credito Fondiario: Italian non-bank financial intermediary operating in factoring, credit management, and NPL servicing - comparable product portfolio and regulatory framework to MBFACTA.
• Euler Hermes (Allianz Trade): World leader in trade credit insurance with factoring capabilities - directly comparable in non-recourse factoring, international receivables protection, and credit risk transfer.
• Ifis Npl Investing: Italian non-bank financial intermediary focused on factoring, credit management, and NPL servicing, serving SMEs and mid-caps - directly comparable product and customer set to MBFACTA.
• Coface: Global credit insurer and factoring provider with significant Italian operations - directly comparable in international factoring and trade credit risk management.

Broad incumbents

• UniCredit Factoring: Bank-owned Italian factoring arm of UniCredit, one of the largest domestic factoring platforms - competes in the same SME and corporate market but as part of a universal banking group.
• Intesa Sanpaolo (Mediocredito Factoring): Bank-owned factoring subsidiary of Intesa Sanpaolo, providing comprehensive receivables financing to Italian corporates - broad incumbent with overlapping product suite.

Regional players

• SACE (CDP Group): Italian state-backed export credit agency offering receivables protection and supply-chain finance support - regional player with adjacent product offering to international factoring.

Peers

• Banca Sistema:

Others

• Factoring and Trade Finance competitors (Tinexta): Italian fintech/financial services group offering credit information, supply-chain finance, and receivables management - ecosystem participant adjacent to MBFACTA's core product.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mbfacta-s-p-a

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 Mbfacta Spa