Redefining the
Credit Architecture.
Our Story
Factora was born from a singular realization in the B2B sector: SMB lending is broken because the data is broken.
We observed SMBs with thriving operations being denied liquidity because traditional banking models couldn't read their "credit heartbeat." We decided to democratize access to financing and build the bridge between raw operational data and institutional capital.
Our values — how we build and serve
What guides our work and relationships
Fair Access
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.
Trust
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.
Go beyond
We are driven to deliver the best possible solutions for our customers, putting their success at the forefront of our mission.