Providing affordable and readily available working capital financing.

app illustration

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.

What is factoring?
what is factoring

Why IMFact.

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.

No collateral
No collateral - IMFact doesn’t require any collateral
No personal guarantees
No personal guarantees - IMFact does not request any personal guarantees
No hidden fees
No hidden fees - IMFact will not impose any hidden fees
No extra costs
No extra costs - IMFact does not add any extra costs
Flexible financing
Flexible financing - Financing is flexible, to suit the needs of SMEs
Access to debtor management system
Access to debtor management system - IMFact provides 24/7 access to the debtor management system
Why IMFact
Amsterdam the Netherlands NairobiKenya Morocco (to come)

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
  • Total Impact Capital
  • Medical Credit Fund

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.

Total Impact Capital is an impact investment firm focused on bringing to market high-quality investment products that are financially sound, make the planet a better place, and have the potential to scale significantly. The firm develops unique investment vehicles to unlock capital and scale high impact interventions focused on basic human needs. Working with enterprises, governments, and non-profits, Total Impact Capital uses market mechanisms to create lasting, sustainable and profitable solutions to challenges relating to healthcare, agriculture (food security), the environment (energy, clean water, recycling, preservation), education and financial inclusion.
Established in 2009 as part of the PharmAccess Group, the Medical Credit Fund (MCF) is the only not-for profit fund exclusively dedicated to financing small and medium-sized healthcare companies (health SMEs) in Africa. MCF is a blended fund that works with a wide network of African partners to provide SMEs with loans and technical assistance so they can expand their businesses and invest in quality improvement. MCF uses innovative financing solutions and digital technologies to cater to the financing needs of health SMEs and help achieve the Sustainable Development Goals for health.

Member of

sme founders association

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
    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
    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
    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.