Can I finance several invoices at the same time?
When applying online, you can submit a single invoice for financing. Once your application has been successfully processed, we will grant you access to the Client Zone and the financing limit. From now on, you can add further invoices directly in the Customer Area, using the limit granted to you (you will not pay additional costs for its maintenance).
If you have regular invoice recipients, check out online factoring, which is financing with a fixed contract with a lower price.
Is it necessary for my company to have a Polish NIP number?
Yes, this is a prerequisite so that we can properly verify the form you sent.
Can I finance invoices to private customers?
No, our services only apply to business-to-business transactions.
What is the minimum invoice amount?
The minimum amount of an invoice you can submit for financing is 500 PLN or 150 EUR gross.
Can I finance invoices to foreign contractors?
We do not offer single invoice financing for foreign contractors. However, you can use an online permanent factoring service to finance foreign sales.
In what currencies can I finance invoices?
We finance invoices in PLN and EUR.
When is the latest I can submit an invoice for financing whose due date is approaching?
We finance invoices up to 8 days before the due date.
Does a BIK check go on my credit history?
Verification in the BIK does not affect your creditworthiness, but the inquiry we send you will be visible in the system.
What is the waiting time for funding?
After you fill out the form, we will immediately analyze your finances and make a decision – we will inform you by email. We will then send a message with a link to the invoice recipient. After clicking on the button located in the body of the email, your contractor will be able to confirm the legitimacy of the financed invoice. We send the money up to two hours after the recipient confirms the invoice. We process transfers on business days from 8:00 am to 4:00 pm. We will inform you of the decision by email.
Who pays the fee for the financed invoice?
Under the assignment agreement, your contractor will be required to pay the invoice directly to us, in full. You bear the financing costs.
Why was my invoice rejected?
We can reject an invoice in several situations, such as:
If the invoice file does not match the information on the form. In this case, the invoice must be re-entered.
If the value of the invoice submitted for financing exceeds the amount of the available limit.
If the invoice recipient has been negatively assessed by us. If the recipient is rejected, the only option is to enter a document issued to another company.
Is identity verification required every time I want to add a new invoice to the system?
Don’t. If you have entered your first invoice and confirmed your identity at the time of application, you get access to the Customer Zone – a panel through which you can add further invoices without the need for re-verification.
