

The product Cosmin is talking about is a Hybrid Marketplace, a solution that brings together small and medium-sized companies interested in selling their individual invoices for immediate cash, as well as investors and banks who are looking at a way to diversify their asset portfolio with a low-risk investment. That is why our strategy was to first execute comprehensive research based on our own investments so that we understand the regulatory and legal frames in different markets etc.” he adds. „From day one, for us, developing this product only made sense if it would scale and be global. I initially wanted to build technology to compete with the banks and bring alternative liquidity to the entrepreneurs” says Cosmin, talking about the beginnings of iFactor. „It’s always been a struggle to bring bank financing to my small business and the financial crisis of 2008 has made it even worse. Cosmin Curticapean, the CEO & co-founder of iFactor calls it „a game-changing innovation” and, in order to understand why, we wanted to talk with him. Its goal is not a small one, aiming to democratize SME lending by using a hybrid business financing model. In February, iFactor marked a first: it became the first Romanian company to be listed on Seedrs, one of the largest online investment platforms. In 2021, its founders aim for a European expansion, which will start with UK and Germany.It brings forward a Hybrid Marketplace, geared towards small and medium-sized enterprises.iFactor is the first Romanian company to be listed on Seedrs, one of the largest online investment platforms.Weaving together personal stories, practical principles, and profound biblical truth, The I-Factor provides the key to achieving the life of greatness that you are destined for. Properly understand these three dynamics, and you will be able to master your I-Factor. And when you understand perspective, you can view the problems you face as stepping-stones to greatness rather than stumbling blocks. When you understand your significance, you see the purpose and the greatness you were created for. When you understand your identity you know who you are, setting your foundation for everything. Moody identifies three dynamics essential to winning the battle of the I-Factor: identity, significance, and perspective.
The ifactor how to#
In his inspiring new book, Moody reveals how to get hold of your I-Factor. One question lies behind every struggle we face: How do I deal with myself? Behind all our stumbles, behind each of our missteps, behind every one of our failings lies an inability to handle what Van Moody calls the “I-Factor.” More than self-worth or self-respect, beyond even character and perception of purpose, the I-Factor is about managing yourself-your whole life-well.

The key to the life you want is inside you.
