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, Germany, Italy, USA 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
  • Be the first to follow our latest company news and announcements.

  • MFG acquires Zornitza Family Estate as part of a large-scale vision for the development of the AYA brand and the Struma Valley

    MFG has acquired 100% of the hotel complex, villas, and adjoining agricultural assets of Zornitza Family Estate, located next to the Group’s own AYA Estate Vineyards, in the heart of the Struma Valley. The acquisition, legally finalized in December 2025, brings together two projects united by a shared philosophy - respect for terroir, nature, and the local community.

    The transaction is part of MFG’s long-term investment strategy for the development of the AYA brand, which aims to foster the sustainable growth of the region as an international destination for wine, gastronomic, and cultural tourism, among other initiatives. Under the AYA umbrella, projects in winemaking, the development of the cultural scene, and spaces for contemporary art are already underway. Later this year, AYA Equestrian Center is set to open, positioning Bulgaria in a new and distinctive way on the map of professional equestrian sport, while a number of future projects are currently at various stages of development.

    “For us, this is not merely an expansion of business operations and assets, but a natural continuation of plans we have been implementing in the region for several years - creating value that endures over time, working in harmony with nature and the local community, and revealing the true spirit and identity of the place,” commented the investors from MFG.

    In the short term, carefully planned renovations of the hotel and villas are envisaged, with a focus on further enhancing service quality while preserving the architectural character and the connection to the surrounding environment. The complex will continue to be part of Relais & Châteaux.

    From a broader perspective, the acquisition further expands the opportunities for the holistic development of AYA - spanning viticulture and winemaking, gastronomy, sustainable agriculture, and cultural programs, to high-end tourism and sport.

    Through this transaction, the investors reaffirm their strong commitment to environmental preservation, the local economy, and the long-term positioning of the Struma Valley as a region with a distinctive and recognizable presence on the European map.

  • AYA Estate Vineyards Officially Opened – the First Winery in Bulgaria and the Region that is Also a Contemporary Art Gallery

    On September 27, 2025, at the foot of seven mountains near the village of Harsovo, in the Melnik region, AYA Estate Vineyards was officially opened – the first winery in Bulgaria and the region created to unite, within one impressive space, world-class winemaking, an architectural landmark, and a cultural stage for contemporary art.

    Wine, Architecture, and Terroir

    Designed by the architectural studio WhATA, the building is embedded into a hillside, blending organically into the surrounding landscape. Despite its scale, AYA Estate Vineyards evokes lightness, elegance, harmony, and minimalism. The very name “Aya” symbolizes the symbiosis between art as beauty (from Japanese, it can be translated as “beautiful,” “colorful,” “picturesque”) and wine, which comes from the earth (in Ancient Greek, it conveys the meaning of “land,” “soil”).

    Covering 14,000 sq.m, the estate offers versatile artistic spaces suitable for large-scale or more intimate events. The winery employs a gravity-flow production system, with an annual capacity of up to 250,000 bottles from its own vineyards. AYA cultivates 45 hectares of vineyards in the Melnik region, including over 50-year-old Cabernet Franc and Broad-Leaved Melnik vines, as well as 10 hectares in the Kavarna region near Cape Kaliakra. Both estates are certified organic.

    The wines produced under the series AYA, Colorito, Ayano, and Disegno have, for years, won awards at prestigious international competitions such as the Decanter World Wine Awards, Concours Mondial de Bruxelles, Balkan International Wine Competition, among others.

    The story began in 2014 with the purchase of land near Kavarna and continued in 2015 with the acquisition of the first old Broad-Leaved Melnik vineyards near the village of Harsovo. The investors are two families united by a shared dream – to create something meaningful that will endure, laying the foundations of a project that will contribute to the development of the entire Melnik region in the future. A boutique restaurant is set to open soon, and longer-term plans include the construction of a hotel. The complex also features its own organic gardens, while a unique equestrian center for sport horses is currently being built – a facility that promises to be one-of-a-kind in the region.

    Nedelcho Spasov and Stanimir Vassilev, who, along with their families, are the driving force behind the AYA Estate Vineyards project, are also the founders and partners of the financial group MFG, whose portfolio includes leading fintech and insurtech brands operating in nine international markets.

    AYA & AYART – A Fusion of Wine and Contemporary Art

    AYA is more than a winery – it is a cultural destination where architecture and vineyards converge with contemporary art. The Art Director is Irena Gergova-Spasova, while the inaugural programs and exhibitions are curated by Vessela Nozharova and Veselina Sarieva.

    Among the artists who have created large-scale works specifically for AYA are:

    ·     Stoyan Dechev – “The Eye” (2024)

    ·     Iv Toshain – “Dome” (2024), activated with a performance at the opening

    ·     Eli Joteva – “Spectral Sea” (2022–2025)

    ·     Nedko Solakov – “AYADoodles” (2025)

    ·     Stefan Nikolaev – “Water Hedgehog” (2024)

    ·     Stela Vasileva – “Linea Viva” (2025)

    ·     Rudi Ninov – “Talismans and Totems” (2024)

    ·     Marta Djourina  – “Outer Light” (2022)

    ·     Marianne Lang – “Creeping Nuances” (2022)

    The collection will continue to expand through the platforms AYA Art Depot, AYA Art Commissions, and AYA Art Canvas, transforming the site into a vibrant hub for cultural exchange.

    The Opening – A Journey for All the Senses

    Guests at the opening experienced a special tour of the winery, with highlights including a Zen Garden (Yamazaki + Ivanova architects), a fermentation hall featuring a neon installation by Ivo Toshain, a tasting room adorned with drawings by Nedko Solakov, and a grand finale around Stoyan Dechev’s “The Eye” sculpture with 3D mapping by Poliforma, a dance performance by Somnivinus choreographed by Yanitsa Atanasova, and live marimba music by Vassilena Serafimova. The official part of the event was hosted by Konstantin Valkov. The program also featured live music and a party under the stars with Devora Krumova (harp), Pavel Terziyski (vocal performance), Piero Epifania and Electric Band, and Elena Sirakova with her live band.

    A culinary highlight was the “Alchemy of the Grape” by Chef Alexander Taralezhkov, presented with a live cooking performance, as well as a breakfast for over 300 guests in the vineyards, reviving local recipes and produce under the skilled hands of Chef Maria Zhekova. The opening concluded with a powerful ritual performance by Anna Alexandrova, accompanied by the gadulka (traditional string instrument) of Hristina Beleva.

    Cultural Mission

    AYA Estate Vineyards aspires to put the Melnik region on the international map of wine and cultural tourism in a unique and highly compelling way, becoming a sought-after destination for connoisseurs of both wine and art. The AYA Estate Vineyards calendar is quickly filling up months in advance with world-class events.

  • 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.

  • 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.