OUR MISSION

We are the first in the market FINANCING SOLUTION to provide SMEs with a digital

OUR MISSION

Innovation stays in the center of our initiative to offer alternative cash solutions for SMEs worlwide, qualifying iFactor as a Fintech breaking the standard financing solutions.


Cosmin as entrepreneur and Manuel with his solid banking background are very familiar with the difficulties that SMEs face in getting access to working capital financing from banks.

Cosmin Curticapean
Founder, Chief Executive Officer

As an serial entrepreneur over many years, Cosmin has learned to recognize business opportunities and has shown capability of transforming those into solid businesses. He gained experience in most business disciplines, from administration to development, from sales and negotiation to planning and execution.

Cosmin participated in the conceptual development of iFactor and is fully committed to further develop the concept with the aim of not only creating a solid business but at the same time offering a real solution for SME borrowers.

Cosmin Curticapean
Founder, Chief Executive Officer
Manuel Costescu
Managing Partner, Chief Financial Officer

Manuel is responsible for iFactor's relationship with investors.

Prior to joining iFactor, Manuel spent 15 years, consulting clients with McKinsey and as a banker for JPMorgan, gaining a deep understanding of the financial ecosystem. Last year, Manuel served as Deputy Minister for Trade and Investment in the Romanian technocrat government and built InvestRomania. In his role, he built InvestRomania’s strategy around promoting the IT sector and its integration into key sectors of the economy. Throughout his experience he gained a profound appreciation for local tech entrepreneurs, their global aspiration, and reach. At the same time, he realised the challenges that SMEs encounter when trying to access banks’ balance sheets, and how iFactor can provide an effective solution.

Manuel Costescu
Managing Partner, Chief Financial Officer
Our major objective is to explore the possibilities the internet offers for developing financial products in the field of SME lending and investments, delivered through digital channels.
Cosmin Curticapean -