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Borza terjatev is a Slovenia-based financial technology company that operates a specialized debt exchange platform facilitating the trading, processing, and management of corporate receivables. The organization functions as a technology-enabled marketplace designed specifically for the enterprise sector, connecting traditional non-tech businesses within broader entrepreneurial networks to alternative commercial financing solutions. To support its ongoing platform development and scale its regional market operations, the enterprise has successfully secured €500,000 in early-stage grant funding. While specific institutional venture capital investors and corporate enterprise clients remain largely undisclosed at this time, key principal Primož Zupan has been publicly associated with guiding the firm's strategic direction. The financial marketplace continues to focus on expanding its core enterprise debt services and has recently been recognized as a notable regional startup to monitor through 2026. Borza terjatev was originally founded in 2011.
Borza terjatev has raised $320K across 1 funding round.
Borza terjatev has raised $320K in total across 1 funding round.
Borza terjatev d.o.o., operating as the Invoice Exchange (borzaterjatev.si), is Slovenia's first and leading online peer-to-peer (P2P) finance platform for businesses.[1][2][5] It connects companies with surplus liquidity (corporate investors) to small and medium-sized enterprises (SMEs) seeking working capital by trading overdue corporate claims and invoices, providing same-day funding and attractive returns on low-risk receivables.[1][3][5] Serving over 270 active Slovenian companies, the platform has facilitated more than €390 million in financing as of June 2022, with €4 million in annual revenue and a team of 11 based in Ljubljana.[4][5] It solves the liquidity gap in Slovenia, where companies hold over €4 billion in low-yield bank assets amid reduced bank lending.[5]
Borza terjatev launched at the end of 2015 as Slovenia's pioneering online marketplace for overdue corporate claims, evolving into a full P2P finance platform called the Invoice Exchange.[1][5] The idea emerged amid Slovenia's financial challenges: companies sitting on €4 billion in non-interest-bearing bank accounts and €2 billion in near-zero-interest fixed deposits, while banks halved corporate loans over the prior decade.[5] Early traction built quickly, with expansion to Croatia in late 2020 via P2P Finance (p2pfinance.hr).[5] The company earned the European Commission's Seal of Excellence in 2020 and Dun & Bradstreet's Silver Creditworthiness Certificate in 2021, backed by the European Commission, Republic of Slovenia, and domestic/foreign investors.[5]
Borza terjatev rides the fintech wave in P2P lending and invoice financing, addressing SME liquidity crunches in post-crisis Europe where banks retreated from corporate loans.[5] Timing aligns with rising demand for alternative finance amid low bank interest rates and excess corporate cash, unlocking billions in idle assets for productive use.[5] Market forces like digitalization of finance and EU support for innovative platforms favor its growth, influencing Slovenia's startup ecosystem by democratizing access to capital for SMEs and fostering cross-border expansion (e.g., Croatia).[2][5] As a liquidity bridge, it reduces reliance on traditional banking, boosting economic resilience in the region.[3]
Borza terjatev is poised for regional scaling, potentially deepening in the Balkans or EU markets, leveraging its €390M track record and awards to attract more investors amid persistent SME funding gaps.[5] Trends like AI-driven risk assessment, blockchain for claims trading, and regulatory tailwinds for fintech will shape its path, enhancing speed and trust. Its influence may evolve from a Slovenian pioneer to a key player in European P2P finance, further unlocking idle liquidity for growth—cementing its role as the go-to invoice exchange for businesses seeking efficient capital flow.[1][5]
Borza terjatev has raised $320K in total across 1 funding round.
Borza terjatev's investors include Julien Coustaury, Roger Blott, Fil Rouge Capital (FRC).
Borza terjatev has raised $320K across 1 funding round. Most recently, it raised $320K Seed in November 2016.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Nov 1, 2016 | $320K Seed | — | Julien Coustaury, Roger Blott, FIL Rouge Capital (frc) | Announced |