SIFIN S.R.L.

"We had been waiting up to 75 days for a major retail client to settle invoices, which was putting real pressure on our payroll and supplier accounts. SIFIN S.R.L. set up a pro soluto factoring arrangement within two weeks and we received our first advance three days after submitting our invoice batch. The credit risk transfer has been invaluable — we no longer lie awake worrying about a single late-paying customer derailing the whole business. I would recommend their service to any SME dealing with slow-paying debtors."

— Marco Delgado

★★★★★

"As the finance director of a mid-sized manufacturing company, I needed a factoring partner who could handle high invoice volumes with minimal administrative burden on our team. SIFIN S.R.L.'s corporate programme integrates directly with our accounting software and the reporting dashboard is detailed and easy to read. Their relationship manager responds within the hour whenever I have a query, which is a level of service I simply did not get from our previous provider. The advance rates are competitive and the fee structure is completely transparent."

— Adriana Lescanu

★★★★★

"We used the supplier financing programme offered by SIFIN S.R.L. to extend our payment terms with a major buyer while ensuring our own suppliers continued to receive prompt settlement. It took some explaining to get all parties comfortable with the structure, but the SIFIN S.R.L. team was patient and professional throughout the onboarding process. Three months in, our supply chain is noticeably more stable and two of our key suppliers have commented positively on the improvement in payment timing. A genuinely well-designed product."

— Thomas Brauer

★★★★☆

"I was initially sceptical about factoring because a previous experience with another provider left me with unexpected fees and poor communication. SIFIN S.R.L. was completely different — they walked me through every line of the agreement before I signed anything and there have been no surprises in over eight months of operation. My small logistics business now has a reliable cash buffer that lets me take on new contracts without worrying about bridging the payment gap. The onboarding was faster than I expected for a first-time factoring client."

— Nadia Ferreira

★★★★★

"We used SIFIN S.R.L.'s invoice advance facility during a period of rapid growth when our working capital simply could not keep pace with new orders. The facility was approved quickly and the funds were available before our next payroll cycle, which was genuinely critical at that point. I appreciated that they scaled our credit limit as our order book grew rather than making us go through a lengthy reapplication process. The pro solvendo option kept our financing costs reasonable while we built our credit track record with them."

— Cristian Morar

★★★★☆