Don’t wait for the money,

Take factoring online

Immediately after signing the contract we will pay you part of the funds. We will take care of the formalities related to the assignment a little later!

Online Factoring at PragmaGO:

limits up to PLN 15,000,000

up to PLN 150,000 without a promissory note

100% down payment by express transfer

free monitoring of receivables

Go to application

How does factoring work?

You issue deferred payment invoices, and we pay you in advance. Your contractor then gives the amount due on the invoice due date directly to us.

Using factoring, you sign a cooperation agreement and get access to the Client Zone. This is where you can quickly and conveniently submit invoices for financing without having to send another application.

The standard amount of the factoring limit is from PLN 50,000 to 15,000,000 (or from EUR 11,000 to EUR 3,330,000). Do you need a higher limit? Apply for the maximum amount, and when our advisor contacts you, let him know your requirement.

Online Factoring Calculator

Select currency for factoring

Estimated net cost

Example calculation calculated for an entrepreneur who settles a flat tax (19%) and VAT. It is for informational purposes only and does not constitute a commercial offer within the meaning of art. 66 par. 1 of the Civil Code. For limits above PLN 250,000 or EUR 75,000, we prepare an individual price offer.

6000 PLN

/ month

The presented calculation does not constitute a commercial offer within the meaning of art. 66 par. 1 of the Civil Code. The total cost was calculated for an entrepreneur who settles a flat tax (19%) and VAT. For invoices with a nominal value of over PLN 250,000 or EUR 75,000, we prepare a special price offer.

Go to application

Which billing method will work for me – subscription or rate?

You can settle with us by subscription or percentage rate.

In the subscription, you pay a fixed amount each month for the use of factoring, regardless of the value of financed invoices (the limit used).

If you choose online factoring with a percentage billing option, you pay a set percentage on the amount of the limit used in a given month.

A customer advisor will help you choose the most cost-effective form of settlement for you, with whom you will discuss your company’s situation (e.g. number of contractors, frequency of invoices) and also determine the initial cost of factoring. You will know the exact amount before signing the contract.

How to choose the optimal limit?

Estimate the amount, taking into account the fact that each time an invoice is paid, the limit renews.

If you issue invoices of PLN 100,000 per month with a payment term of 60 days, the optimal amount for you would be PLN 200,000.

Follow the analogy when setting limits on individual recipients. If you issue invoices with long payment terms of 60 days for 20,000 PLN per customer per month, then 40,000 PLN would be the optimal amount in such a case.

Our customer advisor will help you determine the optimal amount.

Can I change the limit during the contract?

Can I include factoring expenses as a business expense?

Check out other financing options

Financing of individual invoices

Get your invoice money back in no time.

Learn more

Tax and Social Security financing

Pay your taxes and Social Security without the risk of missing the deadline.

Learn more

Financing of purchases

Make any company purchases and pay for them in installments.

Learn more

What makes our factoring offer different?

Ekspresowe finansowanie wtedy, kiedy potrzebujesz

Guaranteed payout to start

Signing Assignments
100% online

Also available
for stat-ups

Active monitoring of receivables

How do customers rate us?

See who we are and how we support entrepreneurs

Learn about our history, mission and vision.

PragmaGO

0 lat

experiences

0 mld zł

funding provided
in 2023

0 tys.

financed invoices
in 2023

0

customers
in 2023

Questions and answers

What does the guaranteed payout consist of?

In order to meet customer expectations, we have reduced the waiting time for withdrawal of funds as much as possible. Any entrepreneur who uses our factoring for the first time will receive a portion of the funds from us as soon as the contract is signed – even before the assignment is confirmed.

It is enough to demonstrate cooperation with the reported recipients and the absence of bailiffs and foreclosure.

Early partial withdrawal of funds does not incur any additional costs.

Do my counterparties (customers) have to agree to factoring?

Yes, factoring is a form of financing based on the assignment of receivables. Your recipients will receive a notice of assignment asking them to sign it and send it back to us.

Apart from the account number to which they will make payments (instead of yours, the funds will be transferred to our account), nothing else about them changes. Invoice payment terms also remain the same. Your recipients also do not incur any additional costs.

Many companies are familiar with the factoring service, so there is usually no problem signing an assignment of receivables.

Will my creditworthiness be verified during the application process?

How to sign a contract with a qualified electronic signature?

You can do this in two ways.

Method 1: Sign the contract with a qualified electronic signature you already have.

If you have a qualified electronic signature, you will receive an email from us with a prepared factoring agreement and a request to sign it. All you have to do is send it back to our email address.

Method 2: Sign the contract with a one-time qualified electronic signature.

In the email you received from Autenti, click “View document” and then review the contents. In the next step, select the option of signing with mSzafir by KIR S.A. (one-time certificate). Then select the statement, choose an identity verification method and confirm your information. The final step is to authorize and sign the document.

What invoices can be submitted for funding under this service?

What is the factoring process?

The process is extremely simple. It involves three parties – the factor, the factorant (the entrepreneur issuing the invoice) and the invoice recipient (the counterparty).

The entrepreneur delivers the goods or performs the service for its customer and then submits a copy of the invoice to the factor for faster cash.

The factor performs a transfer of funds to the factor’s account, and the recipient pays the liability directly to the factor’s account on a prearranged date.

How long do you have to wait for a decision?

Is it possible to finance invoices in foreign currency, such as. EUR?

What industries can benefit from factoring?

We finance SME companies without any restrictions in the context of the industry. We offer factoring for transportation companies, construction companies and many other areas of the economy. The size of the company doesn’t matter to us either – we offer financing to large, small and micro entities alike.

For the smallest entrepreneurs, we have prepared a special service – micro-invoicing. Our offer is addressed to all companies that issue invoices with payment terms from 8 to 120 days and want to take care of their liquidity.

Don’t wait for the money,

Take factoring online

How does factoring work?

Online factoring in 3 steps

Online Factoring Calculator

Estimated net cost

Which billing method will work for me – subscription or rate?

How to choose the optimal limit?

Can I change the limit during the contract?

Can I include factoring expenses as a business expense?

Check out other financing options

Financing of individual invoices

Tax and Social Security financing

Financing of purchases

What makes our factoring offer different?

How do customers rate us?

Szafron Szendzielorz Projekt sp. z o.o.

PPHU “PLASTYKON”

See who we are and how we support entrepreneurs

PragmaGO

0 lat

0 mld zł

0 tys.

0

Questions and answers

What does the guaranteed payout consist of?

Do my counterparties (customers) have to agree to factoring?

Will my creditworthiness be verified during the application process?

How to sign a contract with a qualified electronic signature?

What invoices can be submitted for funding under this service?

What is the factoring process?

How long do you have to wait for a decision?

Is it possible to finance invoices in foreign currency, such as. EUR?

What industries can benefit from factoring?

Can I add/delete previously designated recipients/contractors?

Collaborate

with us:

This is worth knowing about:

Invoice for a foreign company – from the EU and outside the EU

Tax capital group (PGK) – what is it, when is it worth creating?

VAT exemption for small businesses in the European Union – what will change in 2025?

They write about us