Business loan at
– online, with a decision at
in 5 minutes
Don’t let a lack of cash slow your business down. PragmaCash—a fast business loan—offers up to 100,000 PLN for growth, a new market opportunity, or day-to-day expenses.
With a fixed cost, independent of interest rate fluctuations.
Get cash with PragmaCash
· for any business purpose
· No certificates required; 100% online
· automatyczna spłata z karty
· wypłata środków najpóźniej następnego dnia roboczego
Loan Amount
3 000 – 100 000 PLN
Repayment period
4 or 12 months
Fixed cost
10.5% or 19.5%
Depending on the repayment period
Kalkulator spłaty pożyczki
Okres spłaty
Szacunkowa rata 
This simulation is for informational purposes only and does not constitute an offer within the meaning of the Civil Code.
Do you need even more funds? Once your loan is active, you can increase your available limit. Submit a request in the Customer and Payer Zone to gain access to a loan of up to 300,000 PLN .
Is the PragmaCash loan for business owners right for you?
if you operate a sole proprietorship or a corporation.
if your company has been in business for at least 12 months.
if you need financing quickly and without all the red tape involved with banks.
if you run a cooperative, a foundation, or a farm.
Why should you choose a PragmaCash business loan?
Decyzja w 5 minut bez dokumentów
Wnioskujesz wtedy, kiedy potrzebujesz – wieczorem czy w weekend. Nie potrzebujesz zaświadczeń, wyciągów ani zabezpieczeń. Wniosek wypełniasz online, a decyzję z kwotą pożyczki dostajesz od razu.
Fixed cost, 0 PLN to start
Your monthly payment remains the same throughout the entire repayment period. We do not charge any fees when you take out the loan—you know exactly how much you’ll pay from the first installment to the last.
Automatyczna spłata
Nie musisz pamiętać o terminach płatności. Pożyczkę PragmaCash spłacisz automatycznie, w lekkich, cotygodniowych ratach. Podepnij kartę po podpisaniu umowy i korzystaj ze środków.
Renewable limit
You can pay back the money in installments or all at once—whichever is more convenient for you. Each payment refreshes your available balance. You only pay for what you use.
How do I apply for a PragmaCash business loan?
Step 1 – Submit an application
Fill out the form—just basic company information is needed. It takes up to 3 minutes.
Step 2 – Verify your business account
Use the verification feature in Kontomatik’s secure system—without sharing your login credentials. Once verified, you’ll receive a loan decision in 5 minutes!
Krok 3 – uruchom środki
Dodaj kartę, z której będziemy pobierać płatności, a środki trafią na Twój rachunek firmowy najpóźniej w następny dzień roboczy. Dzięki temu możesz korzystać z pieniędzy niemal od razu!
Check your PragmaCash limit before you apply
See how much you can borrow from PragmaCash—with no obligation. We’ll send the estimate to the email address you provided, so you can review it at your convenience.
- Without providing personal information
- No impact on BIK
- No calls from consultants
Small Businesses in Action – How PragmaCash Helps in Practice
Entrepreneurs are eager to take out loans because the additional funds expand their business opportunities. Find out how a business loan solves real-world problems!
Restaurant
The restaurant owner needed quick financing to launch his outdoor dining area and handle additional catering orders. The season was about to begin, and a traditional bank loan would have meant waiting several weeks.
The PragmaCash online business loan, which combines easy access with fixed costs, proved to be the best solution for him.
Effect
From idea to completion in a single day. The application was submitted on Thursday afternoon, the decision came in three minutes, and the very next day, 40,000 PLN was in the company’s account—fully allocated before the weekend. After the season ends and the installments are paid off, the credit line is ready for more catering orders—without having to submit another application.
Beauty Salon
The owner of the beauty salon had a full schedule—it was really hard to find an available appointment. Despite this, her revenue wasn’t enough to allow her to expand her business. An opportunity to rent the neighboring space arose suddenly—she had to make a decision within a few days before the owner found another tenant.
Thanks to a business loan from PragmaCash, the company rented additional space in the premises and set up stations for manicures and makeup.
Effect
Dzięki nowym stanowiskom i zatrudnieniu kolejnych osób salon mógł obsłużyć więcej klientek i przestał je tracić na rzecz okolicznej konkurencji. Wzrosły też dochody firmy, a właścicielka odzyskała kontrolę nad grafikiem. Nie musi przy tym pamiętać o terminach płatności – raty pożyczki spłacają się automatycznie w każdy wtorek.
FAQ – Frequently Asked Questions
Which companies are eligible for a PragmaCash business loan?
Our loan is available to business owners who have been operating their business for at least 12 months. We provide loans to small, medium, and large businesses—including both sole proprietorships and corporations.
The only entities that are not eligible for business loans are cooperatives, foundations, and farmers.
What is the maximum loan amount for business owners?
The maximum amount available through the automated process is 100,000 PLN. The final amount approved depends on a risk analysis and credit assessment. If you need more funding, you can request a higher amount after submitting your application—we’ll review it through an individual process.
What information do I need to provide in a 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 business owner’s information, such as their first and last name, PESEL number, or ID card number.
- For companies: We may ask for the company representative’s information, such as their first and last name.
Will you check my company’s credit history with BIK before granting the loan?
Yes, a BIK credit check is required in order to grant your company financing in the form of a loan.
When applying for a business loan, do I need to verify my company’s bank account through Kontomatik?
Yes, it is necessary. Verification allows us to:
- check whether the specified account appears on the white list of VAT taxpayers,
- calculate the credit limit we can offer your company based on your transaction history,
- confirm that the account number to which we will transfer the funds actually belongs to you.
Logging in to Kontomatik is secure. At no stage of the verification process do we gain access to your company’s login credentials. The system complies with the ISO 27001 information security standards.
From Kontomatik, we receive only a business account statement, which is necessary for verification purposes.
How soon after submitting a business loan application will I receive a decision?
We issue our decision within 5 minutes—regardless of whether you submit your application during business hours, in the evening, or on the weekend.
How much time do I have to sign the PragmaCash loan agreement?
Once you receive approval for your loan, you have 5 days to sign the agreement. If you do not approve the loan within that time, your application will expire. If necessary, simply submit a new application.
Co muszę zrobić przed wypłatą pożyczki PragmaCash?
Pamiętaj, by po podpisaniu umowy podpiąć kartę. To z niej będziemy pobierali płatności automatycznie, dzięki czemu nie musisz pamiętać o terminach spłat i nie ryzykujesz opóźnień.
Przypisanie karty płatniczej do umowy jest konieczne do uruchomienia pożyczki – bez tego nie możemy wypłacić środków z pożyczki. Kartę należy dodać w terminie do 7 dni od podpisania umowy.
When will I receive the funds from the business loan?
Przelew wykonujemy najbliższą sesją przelewów po tym, jak zaakceptujesz umowę i podepniesz kartę. Oznacza to, że środki trafią na Twój rachunek firmowy najpóźniej w następny dzień roboczy.
Can I take out another loan after I’ve paid off the current one?
Yes. PragmaCash is a revolving line of credit—as you make repayments, you can withdraw additional funds through a simplified process that’s even faster than the first time.
What does it mean that I’ll receive a renewable credit limit?
You can withdraw the funds we provide to your company as part of the loan either in full right away or in smaller installments. If you choose the latter option, fees will be charged only on the amount you actually withdraw. Each repayment you make restores the available balance.
Here’s an example. If we approve a credit limit of 30,000 PLN for your business, you can withdraw this amount in full or in part. If you repay part of the funds you’ve withdrawn (for example, 20,000 PLN), you can withdraw the remaining available funds even before you’ve repaid the entire amount. A PragmaCash loan therefore gives you constant access to financing within your approved credit limit.
What additional fees are associated with a business loan?
All financing costs are factored into the repayment schedule. We do not charge any upfront fees. Additional fees may apply only in the event of late payments.
How do you repay a business loan?
Pożyczkę PragmaCash spłacisz automatycznie – bez potrzeby pilnowania harmonogramu czy numeru rachunku do spłat. Wystarczy, że podepniesz kartę płatniczą, a my pobierzemy raty automatycznie – w każdy wtorek. Dzięki cotygodniowym ratom obciążenia są odczuwalnie mniejsze, a Ty możesz skupić się na prowadzeniu firmy i wykorzystywaniu pozyskanych środków.
Szczegóły znajdziesz w Strefie Klienta i Płatnika oraz w umowie pożyczki.
Can I pay off my business loan early?
Yes. The appropriate option is available in the Customer and Payer Portals.
Co się stanie, jeśli zabraknie środków na karcie, która służy do spłaty pożyczki dla firm?
Jeżeli próba pobrania środków nie powiedzie się, podejmiemy kolejne – dwa razy dziennie. Jeżeli wciąż nie będziemy w stanie pobrać środków, uruchomimy standardową procedurę obowiązującą przy opóźnieniach w spłacie pożyczki.
Co się stanie, jeśli karta podpięta do pożyczki PragmaCash zostanie skradziona lub wygaśnie?
Jeżeli karta, której używasz do spłaty pożyczki PragmaCash zostanie zgłoszona jako skradziona, zablokowana lub wygaśnie, w Twojej Strefie Klienta i Płatnika pojawi się zadanie podpięcia nowej karty. Wystarczy, że klikniesz w to zadanie i wprowadzisz dane nowej karty, aby móc bez przeszkód dalej spłacać pożyczkę dla firm.
Can I claim the fees associated with my PragmaCash loan as business expenses?
Yes. All costs you incur in connection with the loan you took out are tax-deductible, and you can submit them to your accountants for processing.