Technology partners

Tech4Fin SL

Tech4Fin develops and markets high-performance software for financial institutions and public bodies. The company is based in Barcelona and is our official commercial partner for all Spanish-speaking countries. efcom gmbh holds a stake in Tech4Fin.

Equiniti Riskfactor

Equiniti Riskfactor’s application sets the industry benchmark for international risk management. The company, based in London, UK, has been our strategic partner since 2018. Through this collaboration, both companies aim to create special synergies to deal with the heavily regulated German market.

Its EQ Riskfactor software is modular in design with customer analysis at its heart. It also includes an early warning system to detect fraudulent transactions. EQ Riskfactor is used by receivable lenders around the world.

Gora IT Banking Solutions

Gora, based in Ljubljana, Slovenia, develops intelligent banking and finance solutions. It is our official commercial partner for the entire region of the former Yugoslavia. Together with Gora, we established the joint venture EfGo Tech GmbH which focuses on developing special solutions in the finance sector.

NCC Group

The NCC Group is a leading independent provider of IT security and risk mitigation services.


Uniserv is a leading European software provider of address management solutions.


windream was the first to integrate a document management system seamlessly into the Microsoft® Windows™ operating system.

Business partners

BCR Publishing

BCR, based in London, UK, is a leading international platform for factoring issues and provides the sector with the latest news on markets, events and training courses.

SME Banking Club

SME Banking Club is an association of business bankers aimed at providing information on what banks and financial companies offer SMEs.


Deutscher Factoring Verband e.V.

The German Factoring Association e.V. was founded in 1974 and represents the interests of German factoring companies on a national and international level. The highest and statutory objective of the association is to promote and protect the product factoring, whereby the focus is on securing fair tax, legal and economic conditions for the industry.

Bundesverband Factoring für den Mittelstand

The BFM is the central and largest representation of interests for medium-sized factoring in Germany. The association is committed to the needs of small and medium-sized enterprises (SMEs), in particular for raising liquidity independently of banks. The aim of the association’s work is to inform about the financing model factoring, to promote its use, and to help shape the best possible framework conditions. The BFM Bundesverband Factoring für den Mittelstand e.V. was founded in 2001 and is based in Berlin.


The FCI is the worldwide representative body for factoring and financing of open domestic and international trade receivables. With almost 400 member companies in 90 countries, FCI offers a unique network for cross-border factoring collaboration. The FCI was founded in 1968.

World of Open Account (WOA)

World of Open Account (WOA) is a worldwide community of professionals and companies involved in financing open accounts receivable. The goal of WOA is to create new business opportunities for all members and to improve the understanding and acceptance of debt financing. WOA was initiated by Erik Timmermans in 2018.