Our commitment

Supporting companies in setting up and managing tailor-made and innovative financing.

Our expertise

Reverse PME®: reverse factoring adapted to SMEs and SMIs

Since its creation in 2014, ACFI Group has built strong partnerships with credit institutions allowing it to offer tailor-made financing.

Our team is organised around one ambition: to help companies to make their purchases in France and abroad more fluid and secure by setting up and managing Reverse Factoring programmes.

ACFI Group is authorised by theORIAS and regulated by theACPR.

Our approach

Support you in all phases of the implementation of Reverse PME®.

Accompaniment: team at work and two people shaking hands

Responding to the Buyer's issues

Securing the Financial

Structuring the offer, supporting and training the various stakeholders, deploying the programme

To propose an efficient, simple and quick to implement flow and information management

Making the Reverse programme a win-win partnership for all stakeholders

Labelling of Reverse PME®.

In 2015, our firm embarked on a process of labelling our Reverse Factoring offer accessible to SMEs. Judged by the committee of experts to be both innovative and relevant in its approach and targets, Reverse PME® was awarded the label by the global competitiveness cluster FINANCE INNOVATION in the category of accounting and consulting services.
Finance Innovation

The words of Hélène Forest,
Project Manager at FINANCE INNOVATION:

"New solutions and engineering for financing working capital in the supply chain are at the heart of FINANCE INNOVATION's concerns.

Inter-company credit needs to be better mobilised in order to secure both buyers and suppliers. Reverse PME® has been labelled in this respect by the FINANCE INNOVATION cluster insofar as it allows for the virtuous development of exchanges, particularly in three complex situations: better coverage of working capital on imports and domestic suppliers, financing of suppliers not eligible for factoring, and increased purchases from suppliers without exceeding the limits of credit coverage.

Last but not least, Reverse PME® is aimed at medium-sized companies, allowing Reverse Factoring to be deployed throughout the value chain, with an operational approach that adapts to this less structured and more fragile market.

The Team

Florent Debled


A graduate of Grenoble Ecole Management (GEM Business School), Florent began his career
in factoring subsidiaries of international banking groups.

As a former member of the Management Committee and Credit Committee, and then Head of Structured Finance, Florent has participated in the creation and structuring of innovative and tailor-made financing such as reverse factoring, deconsolidation,
inventory financing and syndication operations.

Based on this experience, he co-founded Groupe ACFI with Marie-Claire in 2014, in order to set up
and manage Reverse Factoring programmes for SMEs & SMIs.

ACFI Group's strategy: to grow by helping our clients grow with a disruptive approach to financing their operations.

Marie-Claire Desrues

Managing Director

A graduate of the Institut d'Administration des Entreprises (Lyon III University) and a Master's degree in Economics and Management (Lyon II University), Marie-Claire quickly specialised in factoring with the two main independent players on the market.

For more than 10 years, Marie-Claire has marketed factoring, inventory financing and reverse factoring solutions and has participated in the structuring and deployment of payment centralisation programmes.

She co-founded ACFI Group with Florent, bringing to it all her know-how in the support and training of operational teams in the management of the financing set up.

Mathieu Dureisseix

Director of Operations

Certified Linux system engineer & full stack web developer, Mathieu started his career by creating an IT company. An IT services company that he developed around a know-how combining advanced technical expertise and an understanding of the challenges facing companies.

Throughout his 25 years of experience, and as an entrepreneur at heart, Mathieu has always aimed for customer satisfaction and the success of cross-functional projects, combining both his commercial and operational skills.

Attracted by the innovative concept of ACFI Groups innovative concept, he joined the company in 2015 to develop the management tool for Reverse Factoring programmes. The ACFI Network platform was born and continues to evolve to meet the requirements of our partners and clients.

Michaël Di Sangro

Commercial Director

A graduate of the International School of Management in Metz and the California Institute Of International Business (San Francisco), Michael started his career in industry, during which time he had the opportunity to manage a small business. He then turned to the world of short-term financing, a major issue for companies, and for 17 years held sales and management positions in factoring subsidiaries of major French banking groups.

His dual experience, on the business side and the financial side, enables him to have a good understanding of the problems faced by managers and shareholders of SMEs and SMIs and the constraints of financiers. Michaël joined ACFI Group as Sales Director in order to put all his skills and his high standards at the service of the innovative financing of working capital that is Reverse PME®.

Céline Bigand

Client Manager

A graduate of the IAE Lille (Institut d'Administration des Entreprises) in Finance, Development and Corporate Treasury, Céline began her career at BPIFRANCE as a Research Officer. There she developed both analytical and relational skills, which naturally led her to take up the position of Financing Account Manager, an operational position in medium and long-term credit.

With customer satisfaction at the heart of her daily concerns, Céline quickly found her place within ACFI Group Group, which she joined in 2020. As a Client Manager, she brings the necessary serenity to our clients to manage and optimise their Reverse Factoring.

Timothy Dumas

Client Manager

Timothy holds a Master's degree in International Trade from the University of Aix Marseille (AMU). He started his career in international logistics as an import-export coordinator and then in the financial department. He then held the position of Treasurer at Fnac in Aix-en-Provence, where he discovered a real interest in the combination of short-term financing management and customer satisfaction.

Eager to use his skills in an innovative company, he joined ACFI Group as a Client Manager in 2022.

Mélanie Pinot

Sales Assistant

A graduate of the Besançon business school (IMEA), Mélanie began her professional career as a management assistant. Open to new things, she contributed to the development and improvement of the operational CRM.

She then joined the CLEAR CHANNEL group, which allowed her to establish an effective interface between internal departments and clients.

Attracted by the challenges of an innovative company, Melanie joined ACFI Group in 2022, to renew her good results and reach even more ambitious goals.

Rose-Marie Marchai

Secretary General

Graduated from the IAE of Aix-Marseille (Institute of Business Administration) in Management of Service Activities and in Internal Audit, Rose-Marie has implemented this double competence during her career in SMEs and ETIs, in direct contact with their challenges and the specificities of their various sectors of activity, both in France and internationally.

With a focus on quality of service and customer satisfaction, and a real appetite for organization and structuring, she enthusiastically joined the ACFI Group team to strengthen the Group's risk management capabilities.

Detecting, anticipating and preventing are its leitmotivs.

Océane Mekerke

External auditor

Océane holds a Master's degree in Financial Risk Management from the University of Aix-Marseille and joined ACFI Group in 2021 as an External Auditor. 

Océane likes figures, but especially the information they provide about a company's position in its market. 

It intervenes at our clients' premises to make an in-depth assessment of their situation and to give our partners the visibility necessary to support them. Reverse Factoring is not only a partnership between suppliers and their buyer, it is also about financing...

Emilien Muckensturm

Web Developer

Émilien is passionate about computers. He decided to deepen his knowledge as a web developer at the 3W Academy and joined ACFI Group in 2021 as part of a work-study contract.

After a successful first year, he will continue his work-study in 2022/2023 to obtain a DevWeb Licence.

Jihen Ellouz

IT Coordinator / Implementer

Passionate about numbers, Jihen graduated with a Master 2 in Applied Mathematics from the University of Lille 3.

Evolving as a Data Analyst in the banking sector (Oney) and in the retail sector (Leroy Merlin), she was able to support the management in the definition of objectives, the creation and the follow-up of indicators for the management of the activity as well as the decision support. These different projects have helped her to enrich her analytical and synthesis skills.

Aspiring to use her technical and relational skills in an innovative company, she joined ACFI Group as an IT Coordinator / Implementer in 2022.

Marc Lassort

Fullstack Developer

Marc holds a Master's degree in political science from Sciences Po Bordeaux and a Master's degree in legal economics from the University of Aix-Marseille. He began his career as a freelance writer and translator, writing and translating numerous articles and books for organizations specializing in the economic analysis of public policy.

His activity then progressively widened towards the management, the animation and the development of websites, until he obtained a diploma of software developer (PHP/Symfony) in September 2022.

Seduced by the innovative concept of Reverse Factoring and by the ambition of ACFI Group, Marc joined the teams in January 2023 to develop the ACFI Network® platform, to contribute his transversal skills, and to help the Group to pass a new growth stage.

Claire Pelletier

Marketing Manager

With a DUT in communication and a master's degree in performing arts, Claire worked for 10 years in the audiovisual field, including 6 years at france.tv studio, a subsidiary of France Télévisions.

Convinced that the future is technological and eager to take on new challenges, she added the string of web development to her bow, thanks to an intensive training, which she put into practice within the start-up Clevy.

Seduced by ACFI's capacity for innovation and aware of the stakes involved in the quality of the image conveyed, Claire joined ACFI Group in order to put her eye and her know-how at the service of the group's internal and external communication.


Please contact us for more information.

Contact details

40 Cours Mirabeau 13100 Aix-en-Provence