SEGO Factoring, SEGOFINANCE’s invoice financing line, consolidates its leadership in alternative financing in Spain. The product, which connects companies in need of liquidity with individual investors seeking real short-term returns, has already surpassed €210 million in financed invoices and is positioned as the preferred non-bank option for Spanish SMEs.
With over 11,000 completed transactions and 250 companies supported, the company has become a benchmark for digital factoring in the Spanish market. Its collaborative investment model, which allows individual investors to participate in financing invoices from large corporations, has proven to be a solid, agile, and profitable alternative for both companies needing liquidity and investors seeking real returns in the productive economy.
Since its creation in 2018, SEGO Factoring has returned over €180 million to investors, maintaining an average annualized return of 7.43%.
An expanding model that multiplies results
Following strong growth in 2025, with a 125% increase compared to the previous year, SEGO Factoring expects to maintain an expansion rate close to 100% in 2026, driven by the growing demand for agile, non-bank financing solutions from Spanish businesses.
According to Sergio Valcárcel, CEO of SEGO Factoring, “This growth reflects the value of a model that addresses the real liquidity needs of companies while allowing investors to participate directly in the real economy through an investment product that was traditionally reserved for funds and high-net-worth individuals.” The strength of the model is also reflected in the loyalty of its community, with an 85% recurrence rate among investors and 60% among financed companies, indicators that confirm trust in the investment system and the effectiveness of its controlled-risk structure.
To support this sustained growth, the company continues to invest in strengthening its risk analysis, technological development, and business support areas, now counting on a team of over 35 professionals. This reinforcement has allowed operations to scale and improved analysis and financing times, while maintaining the high standards of quality, transparency, and efficiency that distinguish SEGOFINANCE.
SEGO Factoring’s model enables companies to anticipate the collection of invoices issued to large corporations, obtaining liquidity without relying on traditional banking. At the same time, individual investors can participate in financing these invoices with small amounts and attractive returns, accessing a short-term, moderate-risk product historically reserved for institutional funds.
“Our mission is clear: to offer real solutions to companies and open the possibility for individuals to invest in the real economy, with transparency and technological support,” adds Valcárcel.
More information: https://factoring.segofinance.com
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