We are the primary Supply Chain Finance provider in Kosovo.
At Zvilo Factor, we provide liquidity across the supply chain by unlocking working capital. With our streamlined process, which leverages our cutting-edge, cloud-based technology, we ensure the secure transfer of payments quickly.
Start taking control of when you get paid today. It’s that simple.
Supplier Benefits

Access to Cash
Invoices can be cashed once goods have been delivered and confirmed.

No Wait
Get paid within 36 hours of submitting an invoice for financing and eliminate the long waiting period of up to 90 days.

No Risk
No risk involved if an invoice is not paid or there are payment delays.
Meet the Team

AHMET MORINA
Executive & Director
AGC Faktor, Advance Global Capital, CFE Finance

VISAR DRAGIDELLA
Chief Credit Officer
Banka Ekonomike SH.A., Raiffeisen Bank Kosova, United Nations

EDONA XHAMBAZI
Head of Operations
AGC Faktor, MFI’s Association in Kosovo, World Health Organization, Procredit Bank

ELONA OSMANI
Accounting Manager
AI Global Advisors, AGC Faktor, Kosovo Tax Authority, Certified Accountant

ALEKSANDAR ICHKOV
Marketing & Design Consultant
PollenBee, DON Primus, SM Design, Pulse