MBFACTA SPA

Our team combines decades of experience in commercial finance, credit risk, and business advisory services. Each member of the MBFACTA SPA team is committed to understanding your business deeply before recommending any financing structure. We believe long-term client relationships built on expertise and honesty are the foundation of sustainable non-bank finance.

Jonathan Mercer

Chief Executive Officer

Jonathan brings over 20 years of leadership experience in commercial finance and accounts receivable management across European and North American markets. He founded MBFACTA SPA with a clear mission to give SMEs the same quality of liquidity solutions previously reserved for large corporates. Under his direction, the company has grown its managed receivables portfolio significantly year on year.

Alessandra Fontaine

Chief Credit Officer

Alessandra oversees all credit underwriting decisions at MBFACTA SPA, drawing on 15 years of experience in trade finance and buyer risk assessment. She developed the proprietary buyer-scoring model that enables the company to offer competitive advance rates while maintaining a disciplined risk posture. Her team monitors more than 1,200 active buyer relationships across multiple industries.

Marcus Oyelaran

Head of Client Relations

Marcus leads the relationship management team responsible for onboarding new clients and maximising the value they extract from their factoring facilities. With a background in SME banking and corporate advisory, he understands the pressures that business owners face when managing cash flow through growth cycles. His team is recognised internally for consistently high client satisfaction scores.

Sophie Vandenberg

Chief Financial Officer

Sophie manages the capital structure, funding lines, and financial reporting of MBFACTA SPA, ensuring that the company always has the liquidity capacity to meet client demand promptly. She previously held senior treasury roles at two international financial institutions before joining the non-bank finance sector. Her rigorous approach to balance sheet management underpins the reliability clients depend on.

David Krauss

Head of Technology & Operations

David directs the development of MBFACTA SPA's client portal, API integrations, and internal operational systems, ensuring that technology serves both speed and security objectives. He has led digital transformation projects at fintech and commercial finance companies for over a decade. His team continuously improves processing times and data accuracy to support the company's growth ambitions.