iFactor

iFactor is a technology company focused on addressing the financing challenges faced by small and medium-sized enterprises (SMEs) through innovative solutions. It has developed proprietary AI and machine learning technology that enhances credit risk assessments by utilizing a variety of alternative data sources, including KYC and AML processes validated by banks. This approach improves cost efficiency for lenders and reduces fraud and default risks, while also expediting the lending process through automation. Additionally, iFactor operates a hybrid marketplace that connects SMEs with various lenders—such as banks and private equity firms—allowing them to bid on loan applications based on credit scores. This marketplace enhances capital allocation by aligning lender risk appetites with suitable SME financing opportunities. Furthermore, iFactor's services include an invoice trading platform that enables SMEs to sell invoices for immediate cash, providing them with flexible liquidity and allowing investors to access secure, high-yield investment opportunities.