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Nakliye Finans
Nakliye Finans was founded in Istanbul in 2017 by Mehmet Ali Ergun specifically to serve Turkey's fragmented, underbanked road-transport sector.
Nakliye Finans
Nakliye Finans was founded in Istanbul in 2017 by Mehmet Ali Ergun specifically to serve Turkey's fragmented, underbanked road-transport sector. The firm addresses the working-capital squeeze created when shippers routinely pay trucking companies 60 days or more after delivery, while fuel, tolls and driver wages demand immediate cash. Its wealth origin is entrepreneurial: Ergun built the platform from scratch rather than deploying existing family capital. The firm's core product is invoice factoring for freight bills, structured as a short-term advance against verified accounts receivable. Nakliye Finans underwrites the credit of the shipper rather than the carrier, using proprietary data integrations that pull from logistics-management systems and tax-authority e-invoice registries. The platform covers full-truckload and less-than-truckload freight across Turkey's domestic road network, with ancillary product lines extending into fuel-card financing and bridge loans for fleet maintenance. The geographic footprint is concentrated in Turkey's industrial corridor — the Istanbul-Kocaeli-Bursa triangle plus the Ankara-Konya freight axis — reflecting the density of manufacturing exporters and their logistics providers. The firm operates with a lean team centered on credit analytics and collections, reflecting its algorithmic underwriting model rather than a branch-heavy factoring operation. Adjacent structures include a proprietary technology stack for real-time invoice verification and an early-stage fuel-payments network that links truck stops to the firm's credit engine. In September 2023, the firm integrated directly with Turkey's e-Fatura portal to automate invoice validation, cutting funding turnaround to same-day for repeat carriers. Nakliye Finans' structural differentiator is its asymmetric information position: because it verifies invoices against government tax registries and shipper logistics records simultaneously, it can fund receivables that conventional banks decline due to thin carrier credit files. This makes the firm look less like a traditional factoring house and more like a specialized credit intermediary that uses public infrastructure data as its primary underwriting input.
General information
Firm type
Asset Manager
Year founded
2017
AUM
Undisclosed
Location
Region
Europe
Country
Turkey
City
Istanbul
Corporate office
Istanbul, Turkey
Principals
Mehmet Ali Ergun
Founder
Sector focus
Frequently asked questions
Who makes credit decisions at Nakliye Finans?
Credit decisions are driven by proprietary algorithms that assess the creditworthiness of the shipper — not the carrier — using data from Turkey's e-invoice registry and logistics-management platforms. Founder Mehmet Ali Ergun oversees the credit model and platform strategy.
How does Nakliye Finans source its deal flow?
The platform acquires carrier clients primarily through digital acquisition channels and direct integration with freight exchanges and logistics platforms where trucking companies bid on loads. Repeat funding relationships with mid-size fleet operators are the dominant business line.
Does Nakliye Finans lend against international freight invoices or only domestic?
The firm focuses on domestic Turkish road freight. International freight factoring typically introduces currency risk, cross-border collections complexity and different invoice verification infrastructure that lies outside the firm's current technological integration scope.
What is Nakliye Finans' funding source?
The firm does not publicly disclose its capital structure. Fintech factoring platforms in Turkey typically fund advances through a combination of equity capital, bank credit lines arranged at the platform level, and in some cases structured debt from development-finance institutions. Nakliye Finans has not published the composition of its own funding stack.
How does Nakliye Finans handle shipper non-payment?
Because the firm underwrites the shipper's credit, it retains the collection risk on the receivable. The firm uses electronic direct-debit mandates and legal recourse through Turkey's commercial courts when shippers fail to pay, and its integration with the e-invoice system creates an undisputable audit trail for enforcement.
Is Nakliye Finans regulated as a bank or a factoring company in Turkey?
Factoring in Turkey is a regulated activity. Nakliye Finans operates through a licensed factoring structure under the oversight of the Banking Regulation and Supervision Agency of Turkey, which authorizes and supervises non-bank financial institutions engaged in invoice finance.
Does Nakliye Finans offer financing to shippers or only to carriers?
The core product serves carriers seeking early payment on freight invoices. However, the platform's credit model, which evaluates shipper credit quality, also positions it to offer approved-payables finance to shippers who want to extend payment terms without squeezing their logistics suppliers — though carrier-side factoring remains the primary business.
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