Don’t wait for the money, take factoring online
Your invoices are your money. Take online factoring, receive payment today and take control of your company’s finances!
limits up to 15 million PLN (also in EUR, USD, GBP or CHF)100% advance payment by express transferfree receivables monitoring
Best Factoring FINExpo 2025
– Financial Intermediaries’ Choice!
Najlepszy faktoring FINExpo 2025 – wybór pośredników finansowych!
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 factoring limit is from PLN 50,000 to PLN 15,000,000. If you need a higher limit, submit an application for the maximum amount and when our advisor contacts you, inform him of your need.
We provide financing in five currencies: Polish zloty (PLN), euro (EUR), US dollar (USD), British pound (GBP), Swiss franc (CHF).
Online calculator factory
Select the currency for factoring
Estimated net cost 
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?
Yes, you have the option to increase the limit as your business grows. You can do it online. All you have to do is log in to the Customer Area, apply for a change in the amount of existing financing and wait for a decision.
Can I include factoring expenses as a business expense?
You can include commission and interest expenses for a factoring service as a deductible and tax-deductible expense.
The presented calculation does not constitute a commercial offer within the meaning of Art. 66 par. 1 KC. The total cost was calculated for an entrepreneur who settles flat tax (19%) and VAT. For invoices with a denomination of pow. 250 thousand. PLN 75 thousand or 75 thousand. EUR we are preparing a special price offer.
What makes our factoring offer different?
How do customers rate us?
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.
PPHU “PLASTYKON”
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.
in 2025
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?
We need your permission to check with BIK and BIG in order to reprocess your application.
With online factoring, however, our main focus is on verifying your counterparties – this is so that start-ups can also benefit from financing. So if you work with reliable entities, you shouldn’t have any problems getting financing.
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?
We finance unmatured invoices, i.e. invoices whose due date has not yet passed (the invoice must be reported at least 8 days before the due date).
Our online factoring is also an option for financing foreign customers from EU countries. However, in this case we require you to send an insurance policy or use additional insurance with us.
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?
The factoring decision is issued within 1-2 days after you complete the online application.
You will receive the terms and conditions of the decision for review along with the contract and the T&Cs (General Terms of Financing Service). The process is completely automated.
If you have questions at this stage, please contact your mentor, who will clear up any doubts you may have.
Is it possible to finance invoices in foreign currency?
We offer factoring limits in five currencies:
- Polish Zloty (PLN)
- Euro (EUR),
- US Dollar (USD),
- British Pound (GBP),
- Swiss Franc (CHF).
Remember that all invoices you want to finance in PragmaGO must be non-due.
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.
Can I add/delete previously designated recipients/contractors?
Yes, we focus on flexibility, so you can add or remove a contractor at any time during the contract. To do so, use our Customer Area.
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