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
· Payment by the next business day at the latest
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.
Not sure how much you can receive?
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?
Decision in 5 minutes, 24/7
You can apply whenever you need to—even in the evening, on the weekend, or on a holiday. You’ll receive a decision on your loan amount right away.
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.
Without documents or collateral
We don’t require any certificates, statements, or collateral. You can fill out the application online in just a few minutes—no need to visit a branch or print out any paperwork.
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!
Step 3 – Use Cash
The funds will be deposited into your business account no later than the next business day, so you can use them almost immediately!
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
Thanks to the new workstations and the hiring of additional staff, the salon was able to serve more clients and stopped losing them to nearby competitors. The company’s revenue also increased, and the owner regained control over the schedule.
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.
When will I receive the funds from the business loan?
We will process the transfer during the next transfer session after you accept the agreement. This means that the funds will be credited to your business account no later than the next business day.
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?
You will repay the loan according to the repayment schedule you received. The due date for each installment is the 10th day of each month. You can find the details and the account number for repayments in the Customer and Payer Area, as well as in the loan agreement.
Can I pay off my business loan early?
Yes. The appropriate option is available in the Customer and Payer Portals.
What happens if I’m late on a PragmaCash loan payment?
After a 5-day delay, a fee of 3% of the outstanding amount (not less than 5 PLN) is charged. This fee is collected on a recurring basis every 30 days—until the debt is paid in full. After 89 days of delay, the debt becomes immediately due, and a collection fee of 15% of the outstanding balance is added to the total. You can find all the details in the agreement.
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.