Founded in 2025 in Greece, Factora is a FinTech startup that tackles the financial exclusion that micro and small businesses face from the traditional banking system and their limited bargaining power to negotiate better payment terms with their suppliers.
We’re building a “credit passport” that gives suppliers, lenders, and insurers a rich 360° view of a business’s financial health so they can offer trade credit and financing to companies they couldn’t otherwise assess due to limited financial data and credit history.
Our vision is to secure high-quality B2B payments by preventing bad buyers from damaging the P&L, helping suppliers unlock new markets by offering safer credit terms, and improving credit penetration in the banking system by democratizing access to working-capital financing.
What guides our work and relationships
Every viable small business deserves a chance to trade credit and working capital financing to help the vitality of their business. We use a transparent, data-driven underwriting to battle against financial exclusion.
Security, privacy, and compliance are priorities. Business financial data are handled with rigorous protection and responsibility. Credit decisions are explainable and auditable, so stakeholders can rely upon them.
Automation promotes a frictionless experience for our customers. Our platform offers all the necessary data on the table, with no bureaucracy.
