Company Loan
(from Brutto.pl of the PragmaGO Group)
Case Study
Shoper is a turnkey software for running an online store (SaaS). The platform allows for comprehensive support of e-business – from graphic creation of the store, through orders to advanced statistics. Shoper merchants also have access to additional services, including financial services.
Corporate loan (from Brutto.pl
of PragmaGO Group)
Where did the idea for the service come from?
Shoper offers a number of additional solutions for its customers to make running e-commerce easier – in one place. Among them, financial services (so-called embedded finance) cannot be missed. This is a very important segment – access to cash at the place of business is an opportunity to purchase goods, pay for expenses, invest in marketing and, consequently, develop e-business. Shoper was looking for an experienced financial institution with the technological background to effectively integrate the service. Brutto.pl of the PragmaGO Group is a fintech with years of experience in financing the SME sector. The company has both the technology to develop innovative embedded finance services (created by PragmaGO.tech) and a stable financing provider (PragmaGO).
Cooperation with PragmaGO is very efficient and fully partnership-based. It is distinguished by a common desire to develop and improve the product based on the best technologies and many years of experience in financing online enterprises. E-shops using the Shoper platform need financing that is technologically advanced, flexible, fast and transparent – this is the product that PragmaGO provides. As a result, the Client, literally in a few minutes, without leaving home, completely online, regardless of the time of day or night, can apply for a convenient and attractively priced loan, which can be used for the further development of their e-shop. Exactly when they need it and when it is convenient for them. Thanks to cooperation with PragmaGO, our users can see for themselves the practical benefits for business from implementing truly fintech solutions.
Lukasz Piechowiak
Head of Financial Services, Shoper
Company loan – what does it consist of?
1 Merchant receives information about the individual available financing limit – even before he applies for it. This limit is calculated automatically based on, among other things, the store owner’s turnover. It is enough to set up an account at Brutto.pl (PragmaGO Group) via Shoper Payments (Autopay operator).
(2) The presentation of an individual financing limit is possible thanks to the technical integration between Brutto.pl (PragmaGO Group) and Shoper Payments (operator of Autopay).
3 The entrepreneur chooses the amount of the loan, checks the terms of the agreement, and then signs it with an SMS code. He receives the funds directly to his business account by express transfer.
4 The repayment will be collected automatically, and the amount will depend on the merchant’s current sales and turnover.
Money even in the middle of the night
5:27, 21:39, 23:40 – even at such hours Shoper merchants apply for a business loan. It’s very convenient – the entrepreneur goes home from work, focuses on his private life, then at any time he can get back to business and take care of its financing. He will receive the money in his account even the next day and can immediately use it, for example, for the purchase of goods or marketing activities to increase sales.
61% of merchants who have used a company loan are reaching for it again!
Benefits for merchants
Without leaving home, anytime
Access to money 100% online, without visiting bank branches.
Up to PLN 150 thousand for any business expenses
Clear information about the amount of the maximum limit, calculated on the basis of previous turnover in Shoper Payments (operator Autopay).
Flexible repayment
The repayment amount is adjusted according to the merchant’s turnover in Shoper Payments (Autopay operator).
Repayments taken automatically
The entrepreneur does not have to remember and repay and make separate transfers.
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