Factoring Krakow
– Cash from invoices when you need it
Waiting for a transfer from a customer? With PragmaGO you can have the money even on the same day.
Instead of blocking funds, use factoring and take care of your company’s liquidity. Gain stability and invest in growth – without the stress of late payments.
Fill out a free application
See how factoring tailored to your industry can help your business.
funding limit
without a promissory note
by express transfer
Factoring calculator
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Estimated net cost 
Factoring – how it works step by step
Do you have a business in Krakow and want to quickly recover money from your invoices?
See how online factoring works at PragmaGO – simple, without complicated paperwork:
Factoring in Cracow – what you gain
Free invoice monitoring
Financing in multiple currencies
Complete freedom
You decide which invoices you report and when you do it. There are no limits.
Financing in multiple currencies
You can receive funds in PLN, EUR, USD, GBP or CHF.
Clear rules
You know the costs up front. There are no hidden fees or unpleasant surprises.
Factoring in Krakow – a solution for companies that:
With PragmaGO you can recover money from invoices without waiting – completely online. Online factoring is used by companies from Krakow and the surrounding areas, especially in the transport, trade, service and e-commerce industries. The service is also available to new companies and start-ups – whether you’ve been in business for months or years.
Questions and answers
Do you need counterparty approval for factoring?
Yes. Your counterparty will be informed that the invoice has been transferred to PragmaGO (i.e. an assignment of receivables has been made). Payment will be directed to the PragmaGO account, but the invoice due date remains the same.
Do you check creditworthiness when you apply?
Yes. We need your permission to check your data in BIK and BIG databases.
If you have a sole proprietorship – we verify your creditworthiness. If you are a company – we check the financial situation of the company.
Most important, however, are the reliability and solvency of your counterparties. That’s why PragmaGO factoring can also be used by new companies and start-ups – even if they are just starting out.
How to sign a contract with a qualified electronic signature?
You have two options:
- Don’t you have a signature?
You will use a one-time mSzafir certificate. You will receive a link from the Autenti platform, confirm your data and sign the document online – without installing any software. - Do you have your qualified signature?
We will send you the contract by email. All you have to do is sign it and send it back to the address indicated.
What invoices can be reported under factoring?
You can submit for financing only those invoices whose due date has not yet passed. They must be submitted at least 8 days before the payment date.
Factoring also covers invoices issued to contractors from European Union countries – provided that the receivable is insured. The insurance can be purchased by you or by PragmaGO.
How long is the wait for a decision?
You will usually receive a decision within 1-2 days of submitting your application online.
Along with the offer, we will send you a contract and complete information about the terms of service. The process is largely automated, and if questions arise – you can count on the assistance of a dedicated supervisor.
Can I add or remove an invoice recipient myself?
Yes – in PragmaGO you have full control over the list of contractors. You can at any time add a new recipient or remove the one with whom you no longer cooperate. You will arrange everything in the Client Zone.
How to determine the optimal limit?
Remember that after each paid invoice, the factoring limit renews – it works like a revolving line.
Example: if you issue invoices for 100,000 zlotys with 60-day payment terms every month, a reasonable limit is 200,000 zlotys.
Likewise with individual customers – if one of them regularly receives invoices for PLN 20,000 with a 60-day deadline, the suggested limit would be PLN 40,000.
You don’t have to calculate yourself – a PragmaGO advisor will help you choose the best limit amount for your needs.
Can I include the cost of factoring as a business expense?
Yes – you can recognize factoring fees, such as commissions or interest, as deductible expenses. This means that they reduce your tax base and can reduce your tax payable.
Which billing model will be better for you – subscription or percentage rate?
You have a choice of two billing methods:
Subscription – every month you pay a fixed fee for the use of factoring, regardless of how many invoices you finance.
Percentage rate – you pay a certain percentage of the amount of the limit actually used in a given month.
Which option is more profitable for you? It depends, among other things, on the number of invoices, contractors or regularity of financing. A customer advisor will help you choose the best solution and estimate the initial cost of the service. You will learn about the detailed offer before signing the contract.
Krakow – a stable base for modern business
Krakow is one of the most important business centers in southern Poland. The city attracts investors with its strong educational background, rapidly developing business services industry (BPO/SSC), modern technologies and a thriving trade and services sector. Well-developed infrastructure and access to qualified specialists make Krakow’s companies compete successfully in the domestic and international markets.
Factoring company PragmaGO also supports entrepreneurs from Krakow. Thanks to online factoring, they can recover funds from invoices without unnecessary waiting, take care of liquidity and invest in growth – regardless of company size or industry.
How does factoring support companies in Krakow?
Furniture manufacturing
A Krakow-based furniture company needed to quickly pay for materials for an urgent order. Thanks to PragmaGO factoring, the invoice money arrived in the account the same day, and production started without delay.
✅ Effect: liquidity maintained, order completed on time
Transport
A carrier from Krakow waited 45 days for a transfer, and urgently needed funds for fuel and salaries. After submitting the invoice to PragmaGO, he received a decision in minutes, and the money arrived in his account the same day.
✅ The result: the fleet went on the road and drivers got paid on time