We develop fintech products and services that benefit people

MFG comprises of leading companies specializing in the provision of non-banking financial services in Europe and North America.

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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.

MFG unites fintech and insuretech providers in Europe and North America.

  • More than 8 300 employees and associates in over 450 offices in Bulgaria, Ukraine, Romania, Poland, Spain, North Macedonia, Croatia and Mexico.
  • Our teams manage a rich portfolio of successful business models in the field of consumer loans, loans for micro and small businesses, credit cards, digital business, general insurance 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

Our ambition to be a market-leading, multi-product, and award winning fintech and insuretech business providing an array of non-banking financial services globally.

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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.

MFG provides short-term, flexible B2C and B2B loans, revolving and instalment plan credit cards, and other financial and insurance services to underserved and underbanked sectors, as well as the general public.

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
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  • MFG Expands Global Reach with the Launch of Juzt Card in the US

    As part of its long-term strategy to deliver inclusive, technology-driven financial services globally, MFG is proud to announce that its subsidiary, Access Finance Inc., has officially launched Juzt Card in the United States – a fully digital, unsecured credit card designed to expand access to credit for underserved consumers.

    The Juzt Credit Card is issued by The Bank of Missouri and powered by Taktile, a next-generation platform for automated credit risk decisioning. The product is backed by Mastercard and compatible with both Apple Pay and Google Pay, offering users global acceptance and seamless digital integration.

    “Millions of Americans face barriers to accessing credit simply because they have little or no credit history,” said Ivan Arnaudov, CEO of Access Finance Inc.
    “Wit

    h Juzt, we aim to break that cycle by combining responsible lending, behavioral data, and modern technology to support users on their financial journey.”


    Empowering Financial Inclusion Through Innovation

    Juzt Card is tailored for individuals with credit scores below 600 or those new to credit. There is no security deposit required, and the entire application and onboarding process takes place digitally, enabling near-instant approval and activation.

    Access Finance’s proprietary underwriting model leverages alternative data, AI, and machine learning to evaluate creditworthiness beyond traditional metrics. Consumers demonstrating responsible financial behavior – such as low debt-to-income ratios and consistent on-time payments – are more likely to be approved. Initial credit limits start at $400, with opportunities to increase based on usage and repayment history.

    The accompanying Juzt mobile app features a user-friendly dashboard where cardholders can monitor their credit scores, track expenses, and gain insights into personal financial habits. Positive usage data is reported to a major credit bureau, helping consumers build or improve their credit profile over time.


    A Strategic Milestone for MFG

    The U.S. launch of Juzt marks a significant milestone in MFG’s international expansion. With active operations in Europe and Latin America, MFG continues to deliver on its mission to empower financially underserved communities with accessible, transparent, and tech-forward financial products.

    “Juzt is more than a credit card – it’s a gateway to financial inclusion,” said Arnaudov.
    “We’re proud that MFG’s innovation, regulatory expertise, and partner ecosystem have enabled us to bring this solution to the world’s most competitive market.”


    Global Partnerships Enabling Local Impact

    The successful launch is the result of strategic partnerships with:

    • The Bank of Missouri, a trusted banking institution with over 130 years of history and national licensing across the U.S.

    • Taktile, providing the AI-powered risk decision engine.

    • i2c Inc., the global payment processing platform supporting card issuance and transaction infrastructure.

    • Mastercard, offering world-class security and open banking tools to support approval decisions and user safety.

    To learn more about Juzt Card, visit www.juztcard.com


    About Access Finance

    Juzt Card is backed by Access Finance, a financial technology company - part of MFG, which goal is to lead the digital transformation within the financial sector while revolutionizing credit accessibility and transitioning customers from the subprime to the prime segment.

    Founded in 2013, Access Finance is bringing its proven, innovative technology to the American consumers through partnership with US financial institutions. With operations in the US, Europe and Mexico, Access Finance has grown to serve more than 200,000 credit card customers and dispersed roughly $320,000,000.

    About MFG

    MFG is a group of fintech and insuretech companies whose mission is to provide easy access to finance and insurance for everyone regardless of their current social and financial condition. The group is active in seven European countries: Bulgaria, Romania, Ukraine, Poland, Northern Macedonia, Spain and Croatia, and two American market – Mexico and USA. Some of the businesses date as far back as 2005. The planned large-scale geo-expansion includes key international markets such as Germany, India, and Africa. 

    Through the companies in the group MFG is the responsible employer of more than 8,300 people in over 450 offices in the countries of operations. We base our relationships with our talents, partners and clients on our values humanity, innovation and responsibility.

    The group's portfolio includes companies and brands such as Easy Credit, iCredit, Kredis, Biala Karta (White Card), AXI Card, Juzt Card, Viva Credit, Fintrade, ACOD, the P2P lending platform iuvo, the investment company MFG Invest that is traded on the beam market of the Bulgarian Stock Exchange under MFG, Instinct insurance company, etc.




  • Konstantin Kostadinov: A Vision for Growth and Innovation at Viva Credit

    A New Beginning with a Clear Direction

    With the appointment of Konstantin Kostadinov as CEO, Viva Credit confidently enters the next phase of its development.

  • Access Finance Launches AI-Powered Chatbot to Enhance Customer Experience

    MFG is revolutionizing customer service standards with automation and AI with an exciting innovation from Access Finance

  • Discover All Episodes of Our New Video Podcast "Mission: Financial Independence"!

    At MFG, we believe that driving innovation and fostering financial literacy is a key part of our long-term goal for more accessible financial products for everyday people.  "Mission: Financial Independence", our collaborative project with the respected news platform Dnevnik, is a testament to our commitment to bringing financial knowledge closer to the broader audience.

  • 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.

  • 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.

  • 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.

  • "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!