Zvilo Factor LLC

Zvilo is a UK-headquartered financial technology company dedicated to providing working capital and financing solutions to small and medium-sized enterprises (SMEs) in emerging and growth markets. With a licensed subsidiary in Kosovo and licensing applications underway in two additional markets, Zvilo now supports businesses across over 37 countries, helping them better manage their cash flow, drive sustainable growth, and improve their overall financial stability.

Leveraging advanced technology and data-driven insights, Zvilo offers tailored financial products—such as invoice financing, factoring, and supply chain financing—that enable SMEs to unlock working capital, and in exchange, new opportunities, optimize their operations, and scale effectively. To date, Zvilo has financed more than €155 million, demonstrating the depth of its commitment to fueling innovation, fostering economic development, and driving positive change. Zvilo is now likely to be the largest factoring company in the Western Balkans, with our loan book to-date being almost 10x the average factoring companies in the region.