Business loan
– online, with a decision in 5 minutes
Don’t let a cash shortfall hold your business back. PragmaCash – a fast business loan – gives you up to 100,000 zł for growth, a new market opportunity, or day-to-day expenses.
At a fixed cost that doesn’t move with interest rates.
Get cash with PragmaCash
- funds for any business purpose
- no paperwork, 100% online
- payout by the next business day at the latest
Depending on the repayment period
Why choose a PragmaCash business loan?
Decision in 5 minutes, 24/7
Apply whenever you need to – in the evening, at the weekend, on a holiday. You get the decision, along with your loan amount, right away.
Fixed cost, 0 PLN to start
Your instalment stays the same throughout the repayment period. We don’t charge a commission when the loan is disbursed – you know exactly what you’ll pay, from the first instalment to the last.
No documents, no collateral
We don’t ask for certificates, bank statements, or collateral. You fill in the application online in a few minutes – no branch visits, no printing.
Revolving limit
Draw the money in parts or all at once – whatever suits you. Every repayment tops your available amount back up. You only pay for what you use.
Is the PragmaCash business loan right for you?
if you run a sole proprietorship or a company.
if your business has been operating for at least 12 months.
if you need financing fast, without the usual bank formalities.
if you run a cooperative, a foundation, or a farm.
Loan repayment calculator
Repayment period
Estimated instalment 
This simulation is for information purposes only and does not constitute an offer within the meaning of the Polish Civil Code.
Not sure how much you can get?
How to get a PragmaCash business loan
Cash for your business – it doesn’t get any simpler. From application to transfer in three steps.
Fill in the form – your basic business details are all we need. It takes up to 3 minutes.
Use secure verification through Kontomatik – without sharing your login details. Once verification is done, you’ll get your loan decision in 5 minutes!
The funds will reach your business account by the next business day at the latest, so you can put them to work almost right away!
Check your PragmaCash limit before you apply
See how much you can borrow with PragmaCash – with no strings attached. We’ll send the calculation to the email address you provide, so you can come back to it whenever it suits you.
- No personal data required
- No impact on your BIK score
- No calls from sales reps
Small businesses in action – how PragmaCash helps in practice
Entrepreneurs are keen to use loans, because extra funds open up new business opportunities. See how a business loan solves real problems for real companies!
Restaurant
A restaurant owner needed fast financing to open a summer terrace and take on extra catering orders. The season was about to start, and a traditional bank loan would have meant weeks of waiting.
A PragmaCash online business loan – combining easy access with a fixed cost – turned out to be just the right fit.
Outcome
From idea to action in a single day. Application submitted on Thursday afternoon, decision in three minutes, and by the next day 40,000 zł was in the business account – fully allocated before the weekend. Once the season is over and the instalments are repaid, the limit is ready for the next catering orders – with no need to apply again.
Beauty salon
The owner of a beauty salon had a fully booked calendar – free slots were genuinely hard to come by. Even so, the revenue wasn’t enough to expand the business. An opportunity to rent the unit next door came up out of the blue – a decision had to be made within a few days, before the landlord found another tenant. With a PragmaCash business loan, she rented the extra space and fitted out manicure and makeup stations.
Outcome
Thanks to the new stations and additional hires, the salon could take on more clients and stopped losing them to nearby competitors. Revenue went up, and the owner regained control of the schedule.
FAQ – frequently asked questions
Which businesses can take out a PragmaCash business loan?
Our loan is available to entrepreneurs who have been running their business for at least 12 months. We lend to small, medium-sized, and large companies – both sole proprietorships and incorporated companies.
The only entities that can’t apply for the business loan are cooperatives, foundations, and farmers.
What’s the maximum business loan amount?
The maximum amount you can apply for is 100,000 zł. The amount actually granted depends on our risk analysis and creditworthiness assessment. If you’d like to apply for a higher limit, you can submit a request to increase it in the Customer Panel.
What information do I need to provide in the business loan application?
The scope of required information may vary depending on the company and the verification process.
- For sole proprietorships: we may ask for the owner’s details, such as their full name, PESEL number, or ID card number.
- For companies: we may ask for the details of the company’s representative, such as their full name.
Do I need to verify my business bank account through Kontomatik when applying for a business loan?
Yes, this step is required. We need to ask you to confirm that your details match, so we can be sure the funds will go to a bank account that actually belongs to your company. Logging in through Kontomatik is safe – at no point in the verification do we get access to your company’s login credentials.
Kontomatik only gives us a statement that lets us confirm that the business account belongs to the loan applicant and is on the VAT taxpayers’ whitelist.
How much time do I have to sign the loan agreement?
From the moment you receive a positive loan decision, you have 5 days to sign the agreement. If you don’t confirm within that time, your application will expire. If you still need the loan, simply submit a new application.
What additional fees apply to the business loan?
All financing costs are built into the repayment schedule. We don’t ask for any payments upfront. Additional fees can only come up if you fall behind on your repayments.
How do I repay the business loan?
You repay the loan according to the schedule you receive. Your instalment is due on the 10th of each month. You’ll find the details and the bank account number for repayments in your Customer Panel and in the loan agreement.
Can I repay the business loan early?
Yes. You’ll find the relevant option in the Customer Panel.