The New Standard in Business Financing

We’re changing the way companies manage their cash flows. We’ve created a fully digital platform that eliminates administrative hurdles and provides fast, secure, and flexible access to funds, so your business can grow without limits.

Part of a corporate ecosystem

Smart Factoring is part of the YNV Group, an international holding company that operates five brands across four business sectors: real estate, hospitality, technology, and financial services.

Since 2010, YNV Group has been building successful businesses that create long-term value. With a global team of over 6,000 employees in North and South America, Europe, the Middle East, Africa, and Asia, YNV Group’s portfolio includes the following brands: TeKnowledge, Everty, Sandglass, Monifai, and Smart Factoring.

Smart Factoring is the second financial services company within the YNV Group, expanding its global portfolio by providing innovative financing solutions.

In the Bulgarian market, Smart Factoring offers two highly specialized product lines designed to meet the specific needs of businesses of all sizes:

Smart Factoring: A comprehensive solution for risk management and financing with no limits on amounts, designed for companies with large projects and consistent sales volumes.

Xpress Factoring: A flexible and fast service for financing individual invoices up to €25,000, providing immediate access to funds when needed.

Mission and Values

As part of a leading international group, Smart Factoring brings the highest global standards of security, transparency, and technological efficiency to the Bulgarian market. We are guided by three core principles:

Digital Leadership

We are developing a fully automated and digitized customer portal that saves time and eliminates the need for manual administration.

Complete predictability

We ensure complete transparency regarding terms and costs. Businesses know the terms of their financing in advance, with no hidden conditions.

A Sustainable Partnership

We build customized solutions that align with your company’s actual pace and capacity, helping you grow with confidence.

Our team of experts

The Smart Factoring team is here to support your business's financial goals and provide you with the best factoring solutions to finance your business.

Antonia Yordanova

CEO, YNV Financial Services

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Antonia is a global strategic leader with over 18 years of experience as a CFO and finance director at major international companies. She oversees the development and maintenance of long-term, international partnerships that drive business growth for both the group and its clients. Drawing on her extensive experience, Antonia builds robust financial systems and processes across the entire brand portfolio, laying the foundation for sustainable growth and success.

Tihomir Tihomirov

Sales Manager

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With a keen business sense and managerial experience, Tihomir is our specialist in sales and business development. He has an excellent understanding of the benefits of factoring services and knows how to help your business, thereby enhancing its financial stability. His expert approach is built on experience gained at one of Bulgaria’s leading factoring companies. Tihomir links successful customer service to a deep understanding of the goals and needs of each business. This knowledge gives him the flexibility to offer customized solutions that often exceed initial expectations. Tihomir believes that trust between the parties is also a key factor in achieving success. The combination of these two elements builds lasting relationships with clients and business partners.

Stoyan Tablov

Sales and Partnerships Lead

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Stoyan is a sales expert whose career has spanned a wide range of roles—from credit specialist for micro and small businesses to leadership positions. He is a man of numbers and logic. With his analytical mind and problem-solving skills, he doesn't just offer ideas—he defends and develops them with enthusiasm and passion. At Smart Factoring, he draws on his extensive experience to build lasting and successful partnerships. What sets him apart is his willingness to think outside the box. For him, challenges are not obstacles, but new opportunities for growth.

Stanislava Stratieva

Head of Marketing and PR

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Stanislava is responsible for developing the company’s marketing and communications strategy and works to strengthen its market positioning and build long-term value for clients and partners. Her professional experience combines 15 years in the financial sector with expertise in strategic thinking, brand development, integrated communications, PR, and managing initiatives with measurable business impact.

Borislav Tsvetanov

Head of Risk Department

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Borislav has over 20 years of international experience in factoring, trade finance, and financial risk management. His career has spanned sales, financial analysis, and leadership roles in credit and risk management at an international financial group. His accumulated experience gives him a deep understanding of business needs and the ability to develop sustainable financial solutions. His focus is on creating long-term value through an expert approach, sustainable partnerships, and effective risk management.

Ivo Parvanov

Expert in Credit Control and Receivables Management

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Ivo has over 14 years of professional experience in the financial sector, gained in banking, lease financing, and factoring. He has developed expertise in credit risk management, credit control, debt collection, and handling non-performing exposures. His experience also includes participation in initiatives related to anti-money laundering (AML) compliance. At Smart Factoring, his focus is on sustainable risk management and effective credit control.

Marina Lozanova

Head of Back Office Department

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Marina has professional experience in financial management and process management, gained in an international business environment and in leadership roles. In recent years, she has developed expertise in structuring and finalizing large-scale projects, as well as in coordinating operations and teams. She combines financial acumen with a practical approach and a focus on effective organization. At Smart Factoring, she works to build sustainable processes and a stable operational environment.

Hristofor Hristov

Legal Counsel

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Chris’s professional focus is on corporate and commercial law. His professional career has been marked by the successful management of complex projects and transactions. Chris’s area of expertise includes not only banking regulations but also key sectors such as corporate mergers and acquisitions, real estate and development, and TMT (technology, media, and telecommunications). Chris’s broad legal perspective on banking and regulatory issues establishes him as an indispensable ally in overcoming legal obstacles. This insight also gives him a significant business advantage when providing strategic advice to clients seeking smart solutions in the financial sector.

Miryana Kirova

Data Protection Officer

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Miriana is an expert in processes related to control environment management and has extensive experience in data protection and information security. She has advised global companies on GDPR compliance, led the implementation of data protection roadmaps, and integrated the principles of privacy by design into overall data processing. Earlier in her career, she worked in the Banking Supervision Department of the Bulgarian National Bank, focusing on regulatory compliance and the monitoring of banks and non-bank financial institutions. Miryana holds an MBA from the University of California, Berkeley (Haas) with a specialization in risk management—a foundation that shapes her practical approach to management frameworks and the design of control mechanisms.

Maria Georgieva

Chief Financial Officer

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With 18 years of experience at a multinational financial institution, Maria knows that a successful business strategy is built on structured data and precise financial analysis. She is convinced that a leader’s success is measured by the motivation and growth of their team. She believes that when people are at the center, the result is sustainable development. In her work, Maria strives to anticipate changes in a dynamic environment, adapt processes quickly, and stay one step ahead. For her, the future belongs to a company that constantly strives for the highest quality and puts the customer first.

Mila Valkova

Head of the Accounting and Back-Office Department

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Mila brings grace and discipline to everything she undertakes, ensuring order and harmony in accounting operations—qualities further honed by her ballet experience. With extensive experience in administrative processes, she transforms complexity into structure and creates solutions that add value. She has mastered the art of precision and sees opportunities where others see chaos. For Mila, accounting is not just a profession, but the foundation for maintaining stability and transparency in all aspects of business.

Contact us today

Scale and Complete Security for Large Projects

Financing with no fixed monthly minimum on invoices

Protection Against the Risk of Nonpayment by Customers

Full control and transparency over your payments

Freedom and Speed for Your Individual Invoices

Financing range from
to 25,000 €

No registration fees and no commitment

Approval and transfer of funds within 48 hours

Legal Information

Smart Factoring EOOD, UIC 207214254, with its registered office in Sofia, 2 Positano Square, Perform Business Center, is a financial institution within the meaning of Art. 3a of the Credit Institutions Act (CIA), and is registered in the public Register of Financial Institutions under Art. 3a of the CIA, kept by the Bulgarian National Bank, under registration number BGR00478 of 10.10.2023. (Certificate of Registration).

The registry can be consulted on the Bulgarian National Bank’s website

Smart Factoring EOOD processes personal data in accordance with the General Data Protection Regulation (EU) 2016/679

(GDPR), the Personal Data Protection Act, and the published Privacy Policy.

For questions, complaints, and reports, please contact us at: office@smart-factoring.com. If you have questions or wish to file a report regarding the processing of your personal data, you can contact us at: data.privacy@smart-factoring.com. If you are not satisfied with how your report or complaint was handled, you may contact the competent supervisory or regulatory authority.

About us