FAKTUS operates an AI-powered banking and credit platform purpose-built for Europe’s construction SMEs, a segment that typically waits an average of 85 days for payment. Its product suite includes real-time project cash-flow accounts, instant invoice financing with automated validation, material advances, and retention bonds backed by an investment-grade guarantor. The technology parses contracts, tracks schedules, and compresses underwriting from weeks to roughly two hours, enabling rapid liquidity for builders. To date, the company has financed more than 470 worksites and supported over €100 million in project volume, ranging from schools and hospitals to landmark sites such as Roland Garros and the French Senate. Client growth has accelerated 300 percent in the last six months, supported by 13 regional agents and partnerships with over 20 federations and insurers including Atradius and Coface. Looking ahead, FAKTUS plans to finance €500 million of worksites within 18 months, complete nationwide coverage in France, and expand into the UK, Germany, Spain, Italy, and Portugal by 2026. The firm ultimately aims to serve more than 800,000 construction SMEs across Europe.

Total raised

$65M

Funding rounds

2

Latest round

Debt Financing

Latest activity

Oct 2025