Probably like a bank, only convenient and fast


0 years


0 mld PLN

financing provided
in 2023

0 thousands

financed invoices
in 2023


customers in 2023

We benefit from years of experience

Our beginnings date back to the second half of 1996. We started with a few salesmen, a landline and a phone book. Over the years, our company began to attract more and more customers, which resulted in its rapid growth.

As time went on, we decided to adapt to modern trends. Binders have given way to online databases, and traditional phones have been replaced by smartphones.

We have moved the entire financing process to the online world, offering our customers comprehensive services in a modern way.

We are appreciated

PragmaGO diamentem Forbes 2024

We are a laureate of the Forbes Diamonds 2024

Our company has been honored in the prestigious Forbes Diamonds ranking as one of the most dynamically developing companies in Poland, confirming our market stability and effectiveness. With an annual value growth of 80%, we ranked 309th in the country in the revenue category of 50-250 million PLN and first place in the “credit institutions, other” industry category, with the valuation performed by Dun & Bradstreet Poland.

Fintech of the year 2023

We became Fintech of the Year in the Cashless Fintech 2023 competition!

In justifying the verdict, the award committee pointed to the dynamic growth in the value of financing (58% y/y) and the strong expansion of the offer for entrepreneurs. The award granted to our company confirms that in recent months we have achieved results that definitely stand out against the entire fintech industry in Poland. Thank you!

E-commerce Awards Poland 2023 in the category “Best e-commerce B2B tool/technology/service”.

This prestigious award was given to us for the introduction of the innovative Merchant Cash Advance service, which offers flexible financing to entrepreneurs under the embedded finance model.

An honorable mention for our services from LoanMagazine!

The editors appreciated the Merchant Finance service, which we co-developed with our partner Allegro. We received a special award, which confirms that modern financial services are being used on an increasingly wide scale in Poland.

We create services with our customers in mind

We treat each client individually: we want to know your needs so that we can provide financing quickly, safely and conveniently.

See what our customers are saying

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.


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.

We introduce innovative solutions

We are the largest provider of embedded finance services for business in Poland. Thanks to us, businesses can offer contractors numerous payment and settlement facilities, thereby increasing their turnover and gaining loyal customers.

Transactions using deferred or installment payments increase the average value of the shopping cart by up to three times and encourage repeat purchases (as many as 81% of customers do so).

Within embedded finance, we work with 112 partners, including Allegro Business.


with us

Logo Autopay
Logo polskie e-platnosci
Giełda transportowa Teleroute
Logo Drukomat
Logo Hurton
Abakus Logistics
Enpire Transport
SM Spedition
Logo Extrego
Logo BeeDee
Logo PrestaShop
Logo Atomstore

We use new technologies

We use modern technology to provide our customers and partners with simple and reliable PragmaGO services. We constantly develop, test and monitor our products – we detect errors on an ongoing basis and eliminate them immediately. We do our best to make our solutions feature user-friendly design, intuitiveness and responsiveness.

We have an established position in the market

We are subject to control by the FSC. We have a presence in the capital market – we regularly report on the results we achieve and the actions we take. They are also monitored by corporate governance.

We have the highest equity in the non-bank sector – a guarantee of stability and availability of financing. This is all thanks, among other things, to the acquisition by the international investment fund Enterprise Investors, which took place in 2021.

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Management of PragmaGO

Tomasz Boduszek - Prezes Zarządu

Tomasz Boduszek


Jacek Obrocki - Wiceprezes Zarządu

Jacek Obrocki

Vice President

Danuta Czapeczko

Danuta Czapeczko

Vice President

Łukasz Ramczewski

Łukasz Ramczewski

Vice President

Puls Biznesu on PragmaGO