Our Team

Silvia knows how to identify and foster the inherent potential within a business. Her perceptive observations originate from an impressive portfolio of professional experience along with a profound knowledge of Bulgaria's financial sector. For over eighteen years, she has occupied diverse roles, with a primary focus on leadership, in some of the most distinguished banking institutions. Within these capacities, she had thoroughly examined, detected and appraised credit risks delivering savvy risk mitigation strategies tailored for businesses of all scales, from ambitious startups to mature companies. At Smart Factoring, Silvia leverages her proven acumen in launching and guiding new projects towards robust growth. Her risk management expertise and prompt initiation of proactive measures as required, secure both clients’ and company’s interests.

Highly esteemed Bulgarian and international banking institutions have sharpened Elitsa's competence over the past 15 years. Her professional journey kick-started with an internship. Today, she stands as a financial luminary with a wealth of extensive knowledge, credible experience, and noteworthy career highlights. Elitsa is a detail-oriented professional with a visionary outlook and refined ability to spot emerging trends and provide incisive assessments. At Smart Factoring, Elitsa oversees and validates budgeting, forecasting, and crafting financial reports. She also navigates management of digital financial resources within the company.

Gifted with a keen business instinct and leadership competence, Tihomir serves as our authority in terms of sales and market development. He holds a remarkable comprehension of all the benefits factoring services can offer and stands ready to reinforce the financial stability of your business. His expert approach is built on experience gained in one of Bulgaria's leading factoring companies. Tihomir considers that outstanding customer service comes along with a solid understanding of each business's goals and needs. This awareness empowers him to put forward tailor-made solutions that meet and exceed initial expectations. Tihomir believes that nurturing mutual trust between parties is a vital component of success. Blending trust and professional expertise cultivates sustainable relationships with clients and business partners.