We develop fintech products and services that benefit people

MFG is a global group of leading fintech and insurtech service providers.

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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 is committed to expanding fast, reliable, and fair access to financial security worldwide.

  • More than 8 300 employees and associates in over 450 offices in Europe, North and South America, and Africa.
  • 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 is to be a market-leading, multi-product, and award winning fintech and insurtech 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 take a big-picture approach.

We unite companies with diverse backgrounds to share experience
and know-how across continents.
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Find a partner near you.

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.

  • AYA Estate Receives the Prestigious Michelin Key

    AYA Estate | Relais & Châteaux has been awarded the prestigious Michelin Key, joining a select group of hotels in Bulgaria recognized by the Michelin Guide Hotels selection.

    The Michelin Key is one of the most respected international distinctions in hospitality. It recognizes hotels that offer an outstanding guest experience, combining distinctive character, exceptional design, quality service, and attention to detail.

    In Bulgaria, eight hotels are included in the Michelin Guide Hotels selection, while only four have received a Michelin Key. AYA Estate is among them.


    Recognition of the Complete Experience

    Michelin Keys are awarded following independent and anonymous evaluations by Michelin inspectors. Their assessment considers the hotel as a complete experience – from its architecture, design, and atmosphere to the quality of service, character of the place, and the attention given to every detail.

    For AYA Estate, the recognition is a natural continuation of the concept behind the destination from the very beginning.

    Located in the heart of the Struma Valley, AYA Estate brings together winemaking, gastronomy, contemporary art, sustainable agriculture, and sport. Each element is part of a broader vision: to create an experience that connects guests with the nature, culture, and character of the region.


    Another Step Forward for the Struma Valley

    The Michelin Key is recognition not only for the hotel itself, but also for the potential of the region to establish itself as a distinctive destination for wine, gastronomy, and cultural tourism.

    AYA Estate is part of a long-term vision for the development of the Struma Valley and its positioning as a destination capable of attracting international attention through its natural landscape, winemaking traditions, culture, and contemporary hospitality.

    Receiving the Michelin Key is another international recognition of the direction in which AYA Estate is developing and of the work of the entire team behind the experience.

    Congratulations to the AYA Estate team on this well-deserved recognition!

    To learn more about AYA Estate and the opportunities to stay there, visit the official AYA Estate website.

  • 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.

  • 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.

  • MFG Joins the Diversity Charter in Bulgaria

    We are proud to announce that Management Financial Group (MFG) has officially joined the Diversity Charter in Bulgaria - a joint initiative of the Center for the Study of Democracy and the Bulgarian Business Leaders Forum.

    By signing the Charter, MFG reaffirms its commitment to building inclusive, equitable, and diverse workplaces. As part of this European-wide initiative, we will follow seven core principles promoting diversity and inclusion, ensuring that our business strategy continues to place talent and skills above all other differences.


    This step reflects our ongoing belief that diversity drives innovation, strengthens collaboration, and fuels sustainable business growth. Our group employs over 8,300 people from different backgrounds in more than 450 offices across several continents and we firmly believe that it’s this diversity that helps us understand our customers better and deliver outstanding solutions globally.

     

     

  • GoldTrust Management Opens First gold.point. A New Era in Gold Trading.


    On August 2nd, GoldTrust Management officially celebrated the launch of its first gold.point. in Plovdiv Plaza Mall. The event attracted hundreds of visitors who enjoyed music, refreshments, and exclusive first access to GTM’s gold services. 

    GoldTrust Management (GTM), the newest member of the MFG Group, has officially opened its first physical gold retail location - a gold.point. inside Plovdiv Plaza Mall. This marks the beginning of a strategic partnership between GTM and Auro Domus, the largest gold trading network in Croatia with more than 60 branches and 15+ years of market experience. 

    A Smarter Way to Trade Gold 

    At the heart of GTM’s mission is the desire to change how Bulgarians interact with gold - by offering security, clarity, and value through a customer-first approach. 


     Current services available at gold.point. include: 

    •          Investment Gold: Gold bars and coins from leading international refineries, available with expert consultation, fair pricing, and secure quality guarantees. 

    •          Scrap Gold: A new standard in gold repurchase - with professional assessment, transparent pricing, and immediate cash payout. 

    •          Invest the Scrap (Coming Soon): A one-of-a-kind service enabling customers to reinvest the value of their scrap gold instead of simply selling it off - an innovative model with no equivalent on the local market. 

    Thanks to the operational know-how and proven standards of Auro Domus, GTM delivers a level of professionalism, trust, and service previously unseen in the Bulgarian gold market. 


     What’s Next? 

    •          Expansion to 10+ new locations across major Bulgarian cities 

    •          Introduction of educational services and new investment tools 

    •          Retail innovation that puts customers at the center of every gold transaction 

     

    GoldTrust Management is not just selling gold. It is opening a door to stability, long-term thinking, and financial independence for thousands of Bulgarians. 

     

    About GoldTrust Management 

    GoldTrust Management (GTM) is a financial services company founded to modernize gold trading in Bulgaria. With a focus on personalization, innovation, and education, GTM transforms gold from a passive store of value into an active and strategic part of modern financial planning. 

     

  • 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.

  • 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.

  • (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.