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

Fill the application form

How does factoring work?

You issue deferred payment invoices and we pay you in advance. Your contractor pays us directly by the due date on receipt of invoice.

Using factoring, you sign a cooperation agreement and get access to the Client Zone. Here, you can efficiently submit invoices for financing without completing another application.

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.

Online factoring calculator

Choose a currency for factoring

Estimated net cost

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.

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 you will also determine the initial cost of factoring. You will learn the exact amount before signing the contract.

How to choose the optimal limit?

Estimate the amount, taking into account the fact that the limit renews after each invoice payment.

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

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

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 other financing options

Financing of individual invoices

Get your invoice money back in no time.

Find out more

Tax and Social Security financing

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

Find out more

Financing of purchases

Make any company purchases and pay for them in installments.

Find out more

What makes our factoring offer different?

Ekspresowe finansowanie wtedy, kiedy potrzebujesz

Guaranteed starting payout

Signing of assignment 100% online

Free transaction insurance

Active monitoring of receivables

Our clients’ recommendations

See who we are and how we support entrepreneurs

Learn about our history, mission and vision.

PragmaGO is:

0 years

experiences

0 mld PLN

financing provided
in 2023

0 thousands

financed invoices
in 2023

0

customers in 2023

Questions and answers

What is the guaranteed payout?

To meet our customers’ expectations, we have shortened the waiting time for the withdrawal of funds as much as possible. Every entrepreneur who uses our factoring for the first time will receive part of the funds from us immediately after signing the contract – before the assignment is confirmed.

It is sufficient to demonstrate cooperation with the applicant and recipients, and the absence of bailiffs and foreclosure.

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

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

Yes, factoring is a form of financing based on 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 receive from Autenti, click “View document” and then review the contents. In the next step, choose the option of signing with mSzafir by KIR S.A. (one-time certificate). Then select the statement, choose the identity verification method and confirm your data. The last 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 fas

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 transport companies, construction companies and many other areas of the economy. The size of the company doesn’t matter to us either – we offer financing for both large, small and micro entities.

We have prepared a special service for the smallest entrepreneurs – 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 financial liquidity.

Don’t wait for the money,

Take online factoring

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 other financing options

Financing of individual invoices

Tax and Social Security financing

Financing of purchases

What makes our factoring offer different?

Our clients’ recommendations

Szafron Szendzielorz Projekt sp. z o.o.

PPHU „PLASTYKON”

See who we are and how we support entrepreneurs

PragmaGO is:

0 years

0 mld PLN

0 thousands

0

Questions and answers

What is the guaranteed payout?

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 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?

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