What we do
IMFact solves SME financing problems, by providing affordable and easily obtainable working capital financing. We do this by buying your client’s pool of receivables on a continuous basis. This means that your company will no longer have to wait to be paid by your debtors. After submitting your invoices through our application, the money will be available immediately. Your finance will automatically grow, when your sales grow.
With our app, you will have access to the system at all times and always be informed.
IMFact offers working capital financing that is cheaper and more flexible (no need for personal guarantees and/or collateral) than bank financing. IMFact has no hidden fees and does not impose any extra costs.
Where we are.
IMFact’s headquarters are located in Amsterdam with business operations in Kenya. IMFact has ambitions to scale up and establish operations in Morocco.
Who we partner with
Cardano Development (CD) is an incubator and fund manager that streamlines capital through partnerships, to establish and bring to scale pioneering financial risk management solutions, in frontier markets. CD has established several companies and continues to support five scale-ups. Combined, they provide innovative financial solutions for frontier markets – empowering the development of inclusive and sustainable economic growth in frontier economies. CD’s incubator initiative, JoDEA, nurtures the development of initiatives focused on addressing the most pressing risks within local financial markets.
IMFact is a member of the SME Founders Association, who fosters the creation of an enabling and sustainable business environment for small and growing business leaders in Africa to create decent and sustainable jobs.
Who we are
- Nico de Nijs(CEO IMFact Amsterdam) Nico has over 20 years of experience in the financial service industry supplemented by an additional 5 years of managing his own business. He started his career with an accounting firm after which he joined ABN AMRO where he worked for 15 years in various commercial and risk management roles with a specific focus on emerging markets. In 2010 he set-up SafeSpace, a self-storage company in Moscow, which under his leadership grew to 4 locations.
- Peter Fiala(CFO and CIO – IMFact Amsterdam) Over the past 4 years Peter has worked closely with Cardano Development as the lead in the creation, fundraising, structuring, rating and operationalization of InfraCredit Nigeria and soon to be closed InfraZamin Pakistan (both credit enhancement facilities). Peter started his career in insurance followed by 12 years working at a leading monoline guarantor company (MBIA). This was followed by a further 7 years as an entrepreneur and investor (still ongoing).
- Philip Ilako(Country Manager IMFact Kenya) Philip has over 24 years of experience in the financial services sector. He started his career with Citibank NA, where he worked for over 14 years in commercial banking roles, spanning Eastern Europe, North Africa and East Africa. His last position in commercial banking was as CEO/MD of a Middle East based start-up, Islamic bank in Kenya. For the last four years he has headed an East African based corporate finance company involved with raising debt and equity funding for private and public sector organizations in the financial, healthcare, real estate and energy sectors.