Leadership

• Cosmin Curticapean — Founder and CEO
  Cosmin Curticapean on LinkedIn
• Mihai Grosu — Co-founder and Chief Operating Officer
  Mihai Grosu on LinkedIn
• Sebastian Presecan — Co-founder and Chief Technology Officer
  Sebastian Presecan on LinkedIn
• Flavia Richardson — Co-founder and Non-Executive Director
  Flavia Richardson on LinkedIn
• Manuel Costescu — Co-founder and Non-Executive Director
  Manuel Costescu on LinkedIn

Short Introduction

Lendox is a Romanian lending-technology company providing AI-supported credit intelligence, KYC automation, credit-risk assessment and loan-monitoring tools for banks, financial institutions and enterprises. It evolved from iFactor, an SME invoice-financing and factoring marketplace launched in 2016.

About the Company

The business was originally developed under the iFactor brand as a digital platform connecting SMEs seeking liquidity with eligible buyers or finance providers willing to acquire commercial receivables. Through the marketplace, eligible companies could upload invoices and receive financing offers, while iFactor acted as the platform intermediary rather than the purchaser or financier.

As the company’s technology and data capabilities developed, the business evolved into Lendox. The current offering is primarily a B2B credit-intelligence and lending-automation platform for banks, financial institutions and enterprises.

Lendox combines traditional and alternative data with proprietary analytical models to support customer verification, underwriting, fraud-risk assessment, loan approval and ongoing portfolio monitoring. Its stated objective is to improve the assessment of SMEs and other “thin-file” applicants for which conventional historical financial information may be limited.

The platform is delivered through APIs, configurable workflows, dashboards and analytical models. It supports the lender’s internal decision-making but does not replace the lender’s credit policy, regulatory obligations or final approval authority.

The legacy iFactor marketplace and the current Lendox credit-intelligence platform must therefore be distinguished: iFactor facilitated invoice-factoring transactions, while Lendox is now positioned mainly as a technology and analytics provider to professional lenders and enterprises.

Products & Services

• Know Your Customer automation — collection and analysis of customer information, alternative datasets and risk indicators to support onboarding and compliance checks.
• Credit-risk assessment — automated analysis of traditional and alternative information to estimate default and fraud risks.
• Pure Analytics Credit Scoring Engine — embedded scoring and semantic-analysis capabilities for SME and corporate lending.
• Alternative-data aggregation — use of public records, transaction behaviour, digital-footprint information, business patterns and other available data points.
• Semantic credit models — analytical models designed to strengthen limited borrower files and supplement a lender’s existing scoring methodology.
• Loan-underwriting automation — configurable workflows and APIs supporting the transition from application and sales to risk analysis and approval.
• Loan monitoring — ongoing assessment of borrower, portfolio, industry and macroeconomic changes.
• Early-warning alerts — configurable signals concerning potential financial distress, fraud or repayment difficulty.
• Portfolio-health dashboards — consolidated monitoring of credit exposures and risk developments.
• Fraud detection — pattern and anomaly analysis intended to identify suspicious activity or inconsistent applicant information.
• Know Your Partner solutions — due-diligence and risk assessment for corporate customers, suppliers and other business relationships.
• Enterprise risk analytics — configurable scoring, supply-chain monitoring and partner-risk tools for non-bank businesses.
• API integration — embedded delivery of scores, data and alerts into customers’ existing origination and risk systems.
• Advisory and due diligence — data-supported analysis for corporate strategy, investments and M&A processes.
• Legacy iFactor marketplace — intermediation of invoice-sale and factoring transactions between eligible sellers and eligible purchasers or finance providers.
• SME finance matching — connection of eligible SMEs to financing sources, where available through the company’s platform or institutional partnerships.

Licences & Regulatory Status

• Technology-provider status: Lendox is currently presented primarily as a provider of credit-intelligence, risk-analytics and lending-automation software.
• Not a bank or IFN: The published iFactor terms explicitly state that iFactor Brokerage S.R.L. is neither a credit institution nor a Romanian non-bank financial institution and is not registered in a National Bank of Romania register.
• Not the factoring financier: Under the legacy iFactor terms, the company operates as an intermediary and is not itself the seller or purchaser of the receivable. Financing and acquisition of the invoice take place between the eligible parties.
• Regulated finance providers: Banks, IFNs or other purchasers using the platform remain responsible for holding any authorisation required for lending or factoring and for complying with their prudential and conduct obligations.
• Credit decisions: Lendox’s scores, alerts and analytics support underwriting. The regulated lender remains responsible for its credit policy, affordability or creditworthiness assessment, approval decision, documentation and customer treatment.
• KYC and AML distinction: Lendox can automate data collection and risk checks, but the regulated customer remains the obliged entity responsible for customer identification, beneficial-ownership verification, sanctions screening, ongoing monitoring and suspicious-transaction reporting.
• Open Banking data: Where PSD2 account information is used, access must be obtained through an appropriately authorised provider and with the account holder’s valid consent. The public materials reviewed do not establish Lendox itself as a separately authorised Romanian AISP.
• Data protection: Because the platform processes financial, behavioural and potentially personal data, deployments must comply with the GDPR, including lawful basis, transparency, data minimisation, retention and safeguards concerning automated decision-making.
• EU AI Act considerations: AI used to evaluate the creditworthiness of individuals may fall within the EU AI Act’s high-risk framework, depending on the specific deployment. The financial institution and technology provider must allocate compliance, documentation, monitoring and human-oversight responsibilities contractually.
• Bias and explainability: Customers using alternative data in credit decisions remain responsible for ensuring that models are lawful, relevant, sufficiently explainable and do not create prohibited or unjustified discrimination.
• Advisory distinction: Lendox’s analytical and M&A-support services should not automatically be described as regulated investment advice or brokerage. No MiFID investment-firm authorisation was identified in the reviewed official materials.
• Corporate identification: The legacy platform terms identify iFactor Brokerage S.R.L. under CUI 35793952 and Trade Registry number J40/3728/2016.

Lendox official website · Lendox team · KYC solution · Credit-risk assessment · Loan monitoring · iFactor Terms and Conditions · LENDOX LinkedIn