iFactor is the first European alternative SME lending fintech to use a hybrid liquidity sourcing for the financing model. We aim to become the most relevant European SME growth and access to working capital platform through both Technology innovation - KYC and Credit scoring technology innovation as well as SME lending business model innovation by democratizing & sourcing the best fit liquidity through the hybrid marketplace and risk splitting.

We have a two fold market approach:

1. First, we have designed a robust technology solution sitting in the backend of lending organizations (Banks) improving the credit risk assessment, KYC and AML elements and processes with a wide range of alternative data, thus improving the cost efficiency for lending to SMEs.

2. Second, a hybrid marketplace where different lenders will be able to bid for the right SME loans applications with the right credit scoring, enabling and improving capital allocation in matching the lender’s risk appetite. We are enrolling lenders from the traditional financial space, banks and NBFIs, as well as lenders from the alternative space like private investors, both companies or private individuals.