Setting standards and being highly flexible?

The two can go hand in hand.



We will customise our software to meet your needs. But in no way does that mean we’ll be conformist. On the contrary: our employees will think outside the box and scrutinise every little detail to always look at things from multiple angles. This is because we believe that this is the only way to develop dynamic, future-proof software. All to your advantage.



efcom excels not only thanks to our flexible approach to thinking. We have also set the standard in terms of factoring software because we have always seen an opportunity in seemingly dead ends and have always been cautious about sure-fire trends. Thanks to this, after being in the business for almost 20 years we can safely say that we’ve done rather well, as have our clients.



We have gained our specialist factoring knowledge as a result of numerous projects at home and abroad for both smaller companies and major corporations. This knowledge always has been and always will be incorporated into the development of our solutions. This is your guarantee of consistently high performance both with ef3 and efOnline.



Ultimately, it’s a great deal of passion that has made us so successful over time. It is in every line of code, every minute of every consultation and in every support service you get from efcom. We are confident that you will notice the difference to other providers quickly. The best thing to do is to try us out for yourself…

Values that are important to us.

efcom at a glance:

percentage of woman in software development
kicker teams

Our managing directors:

pioneers with an eye for the essentials.

Arnulf Romann

Managing director (CEO)

Mutual trust – to Arnulf this is one of the key factors for the rapid development of professional solutions. He also believes that efficiency is crucial to the success of factoring software. At efcom he puts his extensive experience to use as Head of Business Analysis. His strengths include an analytical mindset and strategic thinking. Thanks to these, he contributes significantly to ensuring our software integrates smoothly with the client’s IT ecosystem. Arnulf is also the Executive Board’s spokesperson.

Martin Hug

Managing director (CTO)

Martin is the brains behind our development activities. His wide-ranging know-how has been gained from numerous large-scale projects. Martin has strong analytical skills and an understanding of the very unique requirements involved in factoring – something that both clients and colleagues appreciate highly. Martin also values responsiveness and flat hierarchies – to him, these are the nuts and bolts of great teamwork.

From dependable partners

to determined pioneers.

Our story began with four minds who joined forces over two decades ago to set new standards in the field of factoring. But it is also a story of long-standing partnerships and strong teamwork beyond the borders of our home country of Germany. But rather than us tell you, you can read about it yourself…


Our history

Here’s our look back with key milestones and facts.

Stay curious:

Discover more topics and gain insights into the world of efcom here.


Exciting and inspiring: learn how we’re actively shaping the industry.


Ready for the career high? Explore efcom as a smart employer.


Open up a world of options for your factoring business with our solutions.