True stories – real problems, concrete solutions
How did a quick loan help you take advantage of the opportunity?
PragmaCash Business Loan – 70,000 PLN
The restaurant owner found a great opportunity to buy refrigerators and ice cream machines after another restaurant closed down. The catch? Payment had to be made in cash. Instead of wasting time trying to secure a loan, she decided to take out a PragmaCash loan.
Effect
The businesswoman received the decision in 5 minutes and reserved the equipment right away. We disbursed the funds that same evening, and she finalized the purchase the next morning.
How did online factoring save a key order?
Online factoring – limit of 500,000 zł
A furniture manufacturer had the opportunity to secure a large order from a hotel chain, but lacked the funds to purchase sufficient quantities of wood and assembly components. The company opted for factoring —it signed a contract and sold the invoices, which would otherwise have taken many more weeks to be paid.
Effect
The day after signing the contract, the client ordered the materials, which allowed him to start production the very next day.
Business financing in 3 steps
Whether you choose a loan or factoring, our financing is always simple and fast.
Business Loan
Complete a simple form – just provide your basic company information. It takes about 3 minutes.
Take advantage of secure verification in the Kontomatik system – without sharing your login details. After verification, you’ll receive a loan decision in 5 minutes.
The funds will be transferred to your designated business account no later than the next business day – so you can spend your money almost immediately!
Online factoring
It will only take a few minutes. Confirm your business account and we will prepare a personalized offer.
Within 1-2 days, you’ll receive a decision granting your factoring limit and an agreement for approval. Sign it to launch the service.
Submit your invoice in the Customer and Payer Zone. The funds will be deposited into your account within a few hours. Then you can move on.
How do customers rate us?
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Frequently asked questions about business financing
Who is eligible for online business financing?
We offer financing for sole proprietorships and business entities.
- Online factoring financing is intended for business owners who regularly issue invoices with deferred payment terms.
- The PragmaCash business loan is a solution designed for small and medium-sized enterprises (SMEs) that have been in business for at least 12 months. The only entities ineligible for this loan are foundations, cooperatives, and farmers.
How does a business loan differ from factoring?
A business loan allows entrepreneurs to borrow between 3,000 and 100,000 PLN for any business purpose. This loan can be taken out for 4 or 12 months, and the available credit line is revolving. Business loans are used by entrepreneurs who need funds for growth, purchasing inventory, or covering the company’s day-to-day expenses. A PragmaCash loan is a credit obligation—it requires a credit check through BIK.
As part of our online factoring service, we offer credit lines ranging from 100,000 to 15,000,000 PLN; however, the financing is based on invoices issued with deferred payment terms, for which payment has not yet been received by the business. The essence of factoring is the assignment of receivables. The factor “sells” the invoice to the factoring company and, in return, receives the funds much more quickly.
When should you choose factoring, and when should you choose a loan?
Choose a PragmaCash business loan if:
- Your company has been in business for at least 12 months.
- You need financing that’s fast and free of unnecessary red tape.
- You want a decision right away.
- You need between 3,000 and 100,000 zł for your planned expenses.
Choose online factoring if:
- You regularly issue invoices with deferred payment terms and need cash.
- You need long-term financing of more than 100,000 PLN.
- Do you want to significantly reduce the time it takes to receive the funds your company is owed?
What is the process for applying for funding for businesses?
Fill out the form available on the page of the product you’ve selected with your company’s basic information.
- After completing the application, the Kontomatik platform must verify the business account number—without requiring you to provide your login credentials.
- After submitting your application, please wait for our decision: for loans, we issue a decision within 5 minutes; for factoring, you’ll need to wait 1–2 days.
- Next, sign the agreement (online), and then start using the financing.
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