We develop fintech products and services that benefit people

Management Financial Group comprises of leading companies specializing in the provision of non-banking financial services in Europe.
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  • We believe in providing financial

    access for everyone
    We develop innovative business models through strategic vision and planning derived from the many years of financial expertise of our companies.

Management Financial Group (MFG) is a holding company, uniting leading providers of non-bank financial services in Central and Eastern Europe.

  • More than 8 300 employees and associates in over 450 offices in Bulgaria, Ukraine, Romania, Poland, Spain, North Macedonia and Croatia.
  • We manage a rich portfolio of successful business models in the field of consumer loans, loans for micro and small businesses, credit cards, digital business and other alternative financial products and services.
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Who we are

We put our customers and employees at the heart of whatever we do

We have the ambition to establish ourselves as one of the fastest growing financial service providers in Central and Eastern Europe.

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We share knowledge, experience, and various worldviews within our companies and set no boundaries so that we can achieve our goals together.
  • Many Years of experience in financial services
  • 450 + offices worldwide
  • 8300 + employees 

We think and act on a large scale in our business decisions

We brings together companies with different experience, history and traditions.
We have more than 8 300 employees and associates in over 450 offices in Bulgaria, Ukraine, Romania, Poland, Spain, North Macedonia and Croatia.
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We bring together companies
with different experience,
history and traditions.

We are focused on developing and commercializing a comprehensive portfolio of financial services, including lending, payments and investments.

Our Companies

We build sustainable companies that are in harmony with society, nature and people.

We attract talents, invest in them, develop them, and turn them into ambassadors of our companies beyond our current geographical outlines.
  • See the latest business stories from our leading companies
  • Be the first to follow our latest company news and announcements.

  • MFG Expands to Latin America with the Launch of Juzt Card in Mexico

    2025 marks a historic milestone for MFG as the group makes its debut in the Latin American market. Access Finance, part of the MFG group, has introduced a next-generation high-tech product to the Mexican market - a credit card accessible through a mobile application.

  • AYA Business Center – the future home of MFG, wins a prestigious award from the International Property Awards!

    AYA Business Center, the new modern office building that will unite all the companies from the MFG group under a single roof in 2026, has been recognized as the Best Office Development in Bulgaria by the prestigious International Property Awards.

  • MCash celebrates its 7th birthday

    On April 5th 2022 we celebrated 7 successful years on the market together with MCash. With humanity and personal attitude, the company has become a trusted partner for thousands of northern Macedonians, giving them the opportunity for financial inclusion and support.

  • iCredit Ukraine Marks 16 Years of Dedication and Resilience

    On October 1st, iCredit Ukraine reaches an important milestone – its 16th anniversary. Over the past years, the company has grown into a trusted partner for thousands of customers, providing essential financial services with dedication and care.

    This anniversary comes at a time when the country faces unprecedented challenges, and while the usual celebrations cannot take place, it remains important to acknowledge the unwavering commitment of our team. Throughout these difficult times, iCredit Ukraine has continued to stand by its customers and employees, demonstrating resilience, solidarity, and a firm commitment to its core values.

    Though no formal events will mark this anniversary, the spirit of iCredit Ukraine remains strong. The company’s ability to adapt, persevere, and continue providing service in such challenging circumstances speaks volumes about the dedication and resolve of its team.

    We are proud of the achievements over these 16 years and extend our deepest thanks to all employees, partners, and customers for their trust and support. Together, we continue moving forward, with hope for a brighter future.

    Here’s to iCredit Ukraine and the strength of its people – always ready to meet the challenges of today while building the success of tomorrow.

     

  • Success for three MFG companies at the Career Show Awards 2024!

    Once again this year, three companies from the MFG group achieved remarkable recognition at the Career Show Awards 2024. Easy Credit, Viva Credit, and AKPZ were proudly ranked among the best employers in Bulgaria.

  • 10 Years of Success: Take a glimpse at iCredit Poland's Memorable Anniversary Celebration

    On August 31st iCredit Poland marked a decade of achievements and growth with an exclusive event at the beautiful Podklasztorze Hotel near Warsow.

    The celebration brought together around 100 team members, who were treated to a day filled with relaxation and festivities.

    Throughout the day, colleagues indulged in the hotel’s exquisite spa services, giving them the chance to unwind and recharge in a serene environment. The choice of venue, a beautifully restored abbey turned luxury hotel, set a unique and tranquil backdrop for the occasion, allowing the team to disconnect from daily routines and fully immerse themselves in the celebration.

    The team enjoyed some good music together and the dance floor was never empty. A professional photographer captured candid moments, while a 360-degree photo booth provided an interactive and fun way for colleagues to commemorate the night with unique and dynamic photos.

    The celebration was more than just an anniversary – it was a testament to the hard work, commitment, and teamwork that have defined iCredit Poland over the last decade. This event not only honored the company’s growth but also reinforced the strong camaraderie and shared vision that will drive the team forward in the years to come.

    With a decade of success behind them, iCredit Poland is excited to continue their journey of delivering excellence, innovation, and care to their customers. The celebration was a fitting reminder of how far they’ve come and the bright future that lies ahead.

    Here’s to the next 10 years and beyond!

     

     

  • White Card celebrates 10th anniversary

    On May 5th 2023 White Card celebrated its 10th anniversary. The card, which has won the hearts and trust of over 130,000 active cardholders, has been on the market for a full ten years.

    For a decade now, the teams behind White Card have been building lasting and long-term relationships with clients based on humanity and transparency, focusing on their specific needs and opportunities, and taking responsibility for their financial inclusion and well-being.

  • (VIDEO) The power of good drives the ambitions of Easy Credit, part of MFG. The company turns 19 on April 1st.

    For almost two decades, Easy Credit has established itself as a leader and innovator in consumer lending in Bulgaria. With more than 4,200 committed colleagues, the company relies on our group values of humanity, innovation and responsibility and is a benchmark for responsible practices and good treatment of people in the organization, customers and communities. Together with them, we also walk the path of the power of good that they took.

  • Humanity Month at MFG: a volunteering mission at the Mother and Baby unit in Sofia

    At MFG, one of the leading values is humanity. We believe in the power of doing good that is shared and inspires us to be better people and colleagues. We are aware of our place and influence in society and readily assist people and communities in difficulty.

  • Bring Your Kid To Work: kukeri workshop at MFG

    Our first-ever children's Surva workshop was held at MFG headquarters in the beginning of February 2024. 

    The bring-your-kid-to-work event not only brought joy to our colleagues and their children but also served as a unique opportunity to strengthen our company culture and showcase our commitment to fostering a family-friendly workplace. 

  • Antonia Sabeva Among Top Bulgaria's Top CEOs

    The Chief Executive Officer of MFG, Antonia Sabeva, has been selected by Manager Magazine as one of the top managers in the "Manager of the Year 2023" competition, held for the fifteenth consecutive year.

    Antonia Sabeva began her career at the first of the group's companies, Easy Asset Management AD, in 2010 as part of the company's auditing team. From there, she moved to the technological hub of the group, Smart IT, as a director. She holds two master's degrees – one in accounting and control, and the other in finance from UNWE.

    Prior to the contest, Mrs. Sabeva sat down with Manager Magazine to discuss the current world political and economic macroclimate. She also presented her vision for further group expansion and shared her thoughts on navigating the local business challenges.

    Below we summarized the key moments from the interview.

    Navigating Business Challenges: Strategies for Sustainability and Growth

    In today's dynamic landscape, businesses face an array of challenges ranging from political unrest to economic turbulence. How does MFG adapt and thrive amidst such uncertainty? What strategies do you prioritize to ensure sustainability and growth?

    At our group of companies, we specialize in providing fintech solutions to mass consumers across seven diverse markets. However, like many in the financial sector, we have encountered significant hurdles due to the recent wave of crises, including political instability, economic downturns, and global conflicts such as the war in Ukraine. In response, we have honed our focus on several key strategies aimed at fortifying our resilience and seizing opportunities for advancement.

    1. Embracing Digital Transformation

    Central to our approach is the ongoing digitization and automation of processes and models. We recognize that in an increasingly digital world, the ability to adapt and innovate swiftly is paramount. Through initiatives such as our IT hub, Smart IT, we are investing in cutting-edge technologies and external solutions to enhance efficiency and customer experience.

    2. Enhancing Operational Effectiveness

    Efficiency at all levels of our business is essential for sustained success. We are committed to optimizing processes, developing robust strategies, and aligning our activities with evolving norms and regulations. By fostering a culture of continuous improvement, we ensure that our operations remain agile and responsive to changing market dynamics.

    3. Leveraging Data Science and Market Expansion

    Our investment in data science capabilities serves as a cornerstone of our growth strategy. By harnessing the power of data analytics, we gain valuable insights that enable us to tailor our offerings and anticipate customer needs with precision. Moreover, we see immense potential in expanding into new markets with burgeoning opportunities, such as India and the USA.

    Seizing Opportunities Amidst Uncertainty

    Despite the challenges posed by crises, we view them as catalysts for innovation and growth. By fostering a culture of trust and collaboration within our organization, we empower our greatest asset – our people – to embrace change and drive progress. We believe that true development occurs outside the comfort zone, where ideas clash, and creativity thrives.

    Looking Ahead: Navigating Uncertain Terrain

    As we navigate the evolving economic and political landscape, we remain steadfast in our commitment to transparency and effective communication. We understand that clarity and openness are essential for maintaining morale and navigating challenges as a cohesive team. By proactively assessing risks and streamlining operations, we position ourselves to weather any storm and emerge stronger than before.

    Assessing the Economic Environment

    While forecasts suggest continued instability, we approach the future with optimism and resilience. We recognize that in times of uncertainty, opportunities abound for those willing to innovate and adapt. As we continue to search and find new avenues for growth, we remain confident in our ability to overcome obstacles and achieve sustainable success.

    In conclusion, while the road ahead may be fraught with challenges, it also presents opportunities for those bold enough to seize them. By prioritizing innovation, efficiency, and collaboration, we are confident that we can navigate uncertain terrain and emerge stronger together.

  • "Instinct" - The new player in insurance with ambitious goals

    The company will attempt to increase trust in the sector, but it is aware that efforts in this direction must be made by all participants in the insurance market.

  • Iuvo named fintech company of the year by B2B Media

    On July 14th, 2023, the 9th annual B2B Media Awards were held, and iuvo received recognition in two categories: first place for Fintech Company of the Year and second place for Successful Growth on International Markets with the product iuvoSAVE.

  • With the #PowerofGood the children's hematological department at ISUL hospital in Sofia was renovated

    On May 12, 2023 (Friday) in the presence of doctors, donors, volunteers, parents and patients, the renovated children's hematology center was opened at the Clinic for Children's Clinical Hematology and Oncology of the Tsaritsa Joanna Hospital (ISUL) in Sofia. The center cares for and treats children with severe and rare hematological diseases on a daily basis.

  • Microsoft included a meeting with MFG and Smart IT in the business program during the visit of key representatives of the giant to Bulgaria

    On April 20, a strategic meeting was held between representatives of MFG and our IT hub Smart IT and key representatives of Microsoft.

  • MFG with great acclaim at Forbes Bulgaria Business Awards 2023 in the finance sector

    MFG was among the finalists of the Forbes Bulgaria Business Awards 2023 for company of the year in the finance sector!
    To be one of the three companies that received such a prestigious assessment is already a victory!

  • Mi Prestamo marks its first anniversary!

    One of MFG’s newest companies celebrates a successful first year.

  • MFG Inc EAD, part of the MFG Group, received a general insurance license

    On February 9, 2023, the Financial Supervisory Commission (FSC) issued MFG Inc. EAD (in the process of being established), part of the Management Financial Group (MFG), a license for a non-life insurance company, pursuant to Art. 29, para. 1, item 2 of the Insurance Code.

  • MFG Invest Debut on BEAM Market of BSE

    On January 6, trading in shares of MFG Invest AD began on the BEAM market of the Bulgarian Stock Exchange, following the success of the initial public offering (IPO) on December 6, 2022, in which the company raised over BGN 4 million.

  • AXI Card Poland Turns 4

    On July 22, 2022, we celebrate yet another birthday - that of AXI Card Poland.