Factora

Factora is a fintech startup which tackles the financial exclusion and the liquidity gap that micro & small enterprises face due to limited financial data, thin credit histories, late B2B customer payments, and early supplier payment terms. 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. 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.