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iFactor

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A hybrid B2B marketplace for alternative SME liquidity needs via democratised investments.

112%
 - 
30 days left
€625,014 target
€703,989 from 90 investors
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Business overview

Location Bucharest, Romania
Social media
Website ifactor-online.com
Sectors Finance & Payments Digital B2B
Company number CIF: 35793952
Incorporation date 11 Mar 2016
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Investment summary

Type Equity
Valuation (pre-money) €3.9M
Equity offered 15.29%
Tax relief N/A
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Business highlights

  • Over 1,000 SME applications in just 6 months of public beta
  • Over 12M € secured lending liquidity from banks and investors
  • Novel bank & private investor compliant SME lending platform
  • Supported by leading Blue Chip players in financial, legal & tech
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Key features

  • Secondary Market
  • Seedrs nominee min. €39.00 +
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  • Idea
  • Team
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Idea

Introduction

Even before the Covid 19 crisis, the lack of working capital was the number one pain in SMEs' growth.

Worldwide, although 4 out of 5 new jobs are created by small businesses, over 90% of SMEs still have insufficient access to funding with a gap of over 2.7 trillion Euro with most SMEs considered low ticket size by the banks, with high processing and underwriting cost.

The post Covid 19 economic crisis will make this situation even worse.

iFactor is an alternative SME lending marketplace where SMEs can sell their outstanding invoices or apply for loans while banks and private investors can bid for these applications.

Developed as a change of paradigm solution, good for growth economic phases, best fit in times of crisis, iFactor is shifting the lender deal orientation towards the borrower, the value creator entrepreneur.

iFactor’s high degree of novelty comes from using proprietary technology in the KYC and underwriting process, digitalising the lending & factoring procedure.

Monetisation strategy

iFactor currently employs a success flat fee on both sides, sellers and buyers.

Revenue Stream I 2020:

1. iFactor Hybrid Marketplace (Lending Platform - Workflow Engine and Processes)

In addition to the above model, by which we offer the marketplace, next year we will sell our other home-crafted technological products as white labels, under a SaaS model, generating extra revenue streams.

Revenue Stream II 2021:

2. iFactor PURE Analytics - Alternative Data AI Credit Scoring.
3. iFactor Advanced KYC - KYC distributed data.
4. iFactor Setl - PSD 2/ Open banking Automatic Settlement engine.

In line with this monetisation strategy, clients can also opt to pay additional membership fees and gain lower transaction fees and will be able to access services like cash flow consultancy, collection, insurance etc.

Currently iFactor offers a single invoice factoring product but the platform was designed in a modular way for capabilities of loan applications too.

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Investing carries risks, including loss of capital and illiquidity. Please read our Risk Warning before investing.

Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future.

This webpage has been approved as a financial promotion by Seedrs Limited ("Seedrs"), which is authorised and regulated by the Financial Conduct Authority. It is not intended to be a promotion of any individual investment opportunity and is not an offer to the public. The summary information provided about investment opportunities on this webpage is intended solely to demonstrate the types of investments available on the Seedrs platform, and any investment decision should be made on the basis of the full campaign. Full campaigns are available to investors who have become authorised to invest on the Seedrs platform. All investment activities take place within the United Kingdom, and any person resident outside the United Kingdom should ensure that they are not subject to any local regulations before investing.

Seedrs does not make investment recommendations to you. No communications from Seedrs, through this website or any other medium, should be construed as an investment recommendation. Further, nothing on this website shall be considered an offer to sell, or a solicitation of an offer to buy, any security to any person in any jurisdiction to whom or in which such offer, solicitation or sale is unlawful. Seedrs does not provide legal, financial or tax advice of any kind. If you have any questions with respect to legal, financial or tax matters relevant to your interactions with Seedrs, you should consult a professional adviser.

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Seedrs Limited is authorised and regulated by the Financial Conduct Authority (No. 550317).

© Seedrs Limited 2021. All rights reserved. Seedrs is a registered European Community trademark (No. 008771537) and registered United States service mark (No. 85423072) of Seedrs Limited, a limited company registered in England and Wales (No. 06848016), with registered office at Churchill House, 142-146 Old Street, London EC1V 9BW, United Kingdom, VAT No. GB 208 3065 32. Seedrs.com is a website owned and operated by Seedrs Limited.

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Seedrs small logo

Seedrs Limited is authorised and regulated by the Financial Conduct Authority (No. 550317).

© Seedrs Limited 2021. All rights reserved. Seedrs is a registered European Community trademark (No. 008771537) and registered United States service mark (No. 85423072) of Seedrs Limited, a limited company registered in England and Wales (No. 06848016), with registered office at Churchill House, 142-146 Old Street, London EC1V 9BW, United Kingdom, VAT No. GB 208 3065 32. Seedrs.com is a website owned and operated by Seedrs Limited.

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This business is eligible for SEIS relief - providing qualifying investors with income tax relief of 50% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.
This business is eligible for EIS relief - providing qualifying investors with income tax relief of 30% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.
Valuation rounded from €3,900,000

Pitch type

There are 4 types of investment pitch available on Seedrs.

  • Equity
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  • Fund
  • Secondary

Investing in a regular equity campaign is the simplest and most common way to invest in a startup. You decide which business you want to invest in, and if the campaign hits its funding target then you will become one of their shareholders. As the company becomes more valuable, so do your shares; allowing you the opportunity to share in the future success of the business.

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Seedrs nominee

This shareholding type is available with this raise.

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Secondary market

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Direct investment

This shareholding type is available and the minimum investment required to select it.

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Payment options

We are not able to accept card payments for investments into this sector. You can pay for your investment by creating a bank transfer or by using funds in your investment account. Your investment will only be completed once the funds have reached our account.