Tam Finans
Financial ServicesIstanbul, Turkey1001-5000 Employees
Tam Finans is an Istanbul-based financial services firm that specializes in factoring for small and mid-sized enterprises. It was founded in 2011 as an Actera Group investment, with EBRD holding a 9.5% stake, and has grown into a nationwide lender with a broad branch network. The company relies on an in-house research and development function and AI-assisted scoring to evaluate factoring applications, with many decisions made automatically and the remainder reviewed by credit and risk underwriters. It positions itself as a non-bank financing option within Turkey's factoring market and has expanded to 39 branches across 26 cities. The business maintains ongoing collaborations with universities and TÜBİTAK to advance its digital and risk-management capabilities. Based in Istanbul, Tam Finans operates at scale within Turkey's financial services sector.