Business Financing,
— Powering Your Business
The cash your business needs is closer than you think. Find out which of our solutions best meets your business’s needs—and get started.
Business Loan
Do you have expenses, an investment, or an opportunity that can’t wait? Get cash for any business purpose.
- From 3,000 to 100,000 PLN
- Decision in 5 minutes, 24/7
- A fixed cost throughout the entire repayment period
Online factoring
Do you regularly issue invoices with deferred payment terms? Turn them into cash—don’t wait for your business partner to pay.
- Revolving credit line of up to 15 million PLN
- Also in EUR/USD/GBP/CHF
- Up to 20% off for regular customers
True stories – real problems, concrete solutions
How did a quick loan help him seize the opportunity?
PragmaCash Business Loan
– 70,000 PLN
The restaurant owner found a unique opportunity to purchase 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 at
– credit limit of 500,000 PLN
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 customer ordered the materials, which allowed him to start production the very next day.
How did the loan open up new opportunities for the company?
PragmaCash Business Loan
– 45,000 PLN
The owner of a beauty salon was planning to rent a larger space. The offer, which came with preferential terms, required a security deposit, so she took out a quick loan.
Effect
Thanks to the instant loan decision, our client was able to reserve the space and move her business to a larger location shortly thereafter.
Financing for Businesses in 3 Steps
Whether you choose a loan or factoring, our financing is always simple and fast.
Business Loan
1
Step 1 – Submit your application online
Fill out a simple form—all you need is some basic company information. The whole process will take about 3 minutes.
2
Step 2 – Verify your business account
Use the secure verification feature in the Kontomatik system—without sharing your login credentials. Once verified, you’ll receive a loan decision in 5 minutes!
3
Step 3 – Use Cash
The funds will be deposited into the designated business account no later than the next business day—so you can start spending the money almost immediately!
Online factoring
1
Step 1 – Fill out the free online form
It will take you a few minutes. Verify your business account, and we’ll prepare a personalized offer.
2
Step 2 – Wait for the decision and sign the contract
Within 1–2 days, you will receive a decision regarding the approval of your factoring limit and a contract for your approval. Sign it to activate the service.
3
Step 3 – Submit the invoice and receive payment
Upload your invoice in the Customer and Payer Zone. The funds will be credited to your account within a few hours. Then you can get back to work.
Are you looking for other financing options for your business?
Every business has different needs, which is why online loans and factoring aren’t the only options—check out what else we have to offer.
Reverse factoring
We’ll pay the suppliers for your purchases right away, and you’ll gain time and leverage in negotiations.
A revolving line of credit of up to 2.5 million PLN, 100% online.
PragmaPay
Are you shopping for your business? Buy now, pay later, or pay in installments.
Limit of up to 50,000 PLN. Decision in 90 seconds.
The money that drives Polish business
We provide financing for businesses based on what entrepreneurs actually need—not on our own assumptions and ideas. Everything happens online and quickly. When you need to talk—we’re here.
This practical and responsible approach is reflected throughout our entire organization. We are a publicly traded company operating under the supervision of the Polish Financial Supervision Authority (KNF)—a partner you can rely on.
30 years
Experience in financing
26 297
Customers in 2025
Financial Times 1000
We are on the list of Europe’s fastest-growing companies
Cooperate with us
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 PLN 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.
Want to learn more about business financing? Check out our guide!
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