What Our Clients Say
The businesses we work with come from diverse industries and range from fast-growing SMEs to established mid-market companies. Their feedback reflects the real-world impact that access to reliable working capital can have on day-to-day operations and long-term planning. We are proud of the relationships we have built and the measurable improvements in cash flow, supplier relationships, and business confidence that our clients report. The following reviews are shared with permission and represent genuine client experiences.
"Before working with SIFIN S.R.L., we were constantly juggling 60-day payment terms from our largest retail clients while still needing to pay our own suppliers within 30 days. The factoring facility they set up for us resolved that mismatch almost immediately, and we received funding within two days of submitting our first invoice batch. Our relationship manager explained every step clearly and there were no surprises in the fee structure. After eight months we have increased our facility limit and it has genuinely changed how we plan our production schedules."
— Raluca Georgescu
★★★★★
"We are a logistics company and cash flow timing has always been a challenge because we pay drivers and fuel upfront but invoice clients at month end. SIFIN S.R.L. structured a selective invoice financing arrangement that lets us choose which invoices to finance based on our monthly cash requirements. The flexibility is exactly what we needed — we are not locked into financing everything, just what makes sense at any given time. The credit team assessed our debtor base quickly and the whole process was far less bureaucratic than dealing with our bank."
— Teodor Luca
★★★★★
"We approached SIFIN S.R.L. for their reverse factoring programme after one of our key suppliers raised concerns about extended payment terms. Within six weeks they had onboarded the supplier and set up a programme that allows our supplier to receive early payment at a cost well below what they could access independently. Our supplier relationships have improved noticeably and we have been able to negotiate slightly better pricing in return for offering the early payment facility. The implementation was handled professionally and the ongoing administration is minimal."
— Ioana Stanescu
★★★★☆
"As a professional services firm with project-based billing, our receivables cycle is unpredictable and traditional bank facilities were never designed for our model. SIFIN S.R.L. took the time to understand how our invoicing works and built a facility that reflects the reality of our business rather than forcing us into a standard product box. Their credit management service has also helped us identify two clients who were showing early signs of payment stress, which allowed us to take protective action before any losses occurred. The transparency and proactive communication from our relationship manager has been the standout feature for us."
— Florin Nistor
★★★★★
"We had a mixed experience in the first few months as we were adapting our internal processes to submit invoices in the format SIFIN S.R.L. requires. However, the operations team was patient in helping us make the adjustments and the client portal has become easy to use once we were fully set up. The funding itself has been reliable and the rates are competitive compared to what we were quoted elsewhere. I would recommend SIFIN S.R.L. to any manufacturing business that needs to bridge payment gaps with key distributors."
— Marius Dobre
★★★★☆