Don’t wait for the money,

Take online factoring

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

Faktoring online w PragmaGO to:

limits up to PLN 15,000,000
up to PLN 150,000 without a promissory note
100% down payment by express transfer
receivables insurance free of charge

How does factoring work?

The standard amount of the factoring limit is from PLN 50,000 to PLN 15,000,000 (or from EUR 11,000 to EUR 3,330,000). Do you need a higher limit? Once our advisor contacts you, simply provide your specific requirements.

Fill out the application – it will take you a few minutes.

Submission of the form is free of charge and does not oblige you to use the service – we will prepare an individual offer based on it.

At the last stage of the application, we will ask you to verify the company’s bank account number through the Kontomatik application or with a return verification transfer (for the amount of PLN 1).

Once you send in your application, your customer advisor will contact you and provide support throughout the process.

We will then analyze the information in your application and propose the terms of cooperation that will be most favorable.

Within 1-2 days you will receive a decision on the factoring limit and a contract for approval.

Factoring agreements do not require a signature on a paper version – all you need is an electronic signature, which you provide, for example, using the Autenti platform.

If you prefer to sign a traditional contract, we will arrange for a courier service to come to the address you specify.

We guarantee payment of the first tranche before the recipient agrees to the assignment. All you have to do is sign the contract, and the funds will immediately go into your account.

Online factoring calculator

Choose a currency for factoring

Enter the amount of the limit you are requesting

Estimated net cost Info

Sample calculation calculated for an entrepreneur who settles the flat tax (19%) and VAT. It is for information purposes only and does not constitute a commercial offer within the meaning of art. 66 par. 1 KC. For limits over 250 thousand PLN or 75 thousand EUR 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 KC. The total cost has been calculated for an entrepreneur who settles the flat tax (19%) and VAT. For invoices over 250 thousand PLN or 75 thousand EUR we prepare a special price offer.

Check other financing options

Financing of individual invoices

Get your invoice money back in no time.

Tax and Social Security financing

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

Financing of purchases

Make any company purchases and pay for them in installments.

Ekspresowe finansowanie wtedy, kiedy potrzebujesz
Guaranteed starting payout
Signing of assignment 100% online
Darmowe ubezpieczenie
Free transaction insurance
Monitoring należności faktoringowych
Active monitoring of receivables

Our clients’ recommendations

Szafron Szendzielorz Projekt sp. z o.o.

I established cooperation with PragmaGO at the beginning of the second quarter of 2022. Since then, PragmaGO has been serving my company with invoice financing for some of our clients. Starting to work with PragmaGO was one of the best decisions I made. PragmaGO works with unbelievable speed – both the establishment of cooperation and day-to-day cooperation – all matters are handled on the spot. The electronic billing system works perfectly. Transfers are processed within an hour of submitting the invoice for financing. PragmaGO solves at least half of my problems. There is no better solution for companies.


I am very satisfied with the cooperation with PragmaGO. I can issue term invoices and not wait for payment. I get the money in my account quickly, after completing a few simple formalities. Everything is taken care of with the help of the app. I recommend PragmaGO.

See who we are and how we support entrepreneurs

Learn about our history, mission and vision.

PragmaGO is:

0 years


0 mld PLN

financing provided
in 2023

0 thousands

financed invoices
in 2023


customers in 2023

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