Factoring Lodz
– fast invoice financing
Do you run a business in Lodz and don’t want to wait weeks for transfers from customers? With PragmaGO’s solutions you will recover frozen funds immediately – factoring is a simple way to avoid liquidity problems.
Your company can use capital when it really needs it – for growth, new investments or current expenses. Without the nerves and without having your plans blocked by unreliable payment terms of your contractors.
Fill out a free application
Find out how much you can gain with factoring tailored to your industry.
funding limit
without a promissory note
by express transfer
Check the cost of factoring
Choose the currency for factoring
Estimated net cost 
Fixed fee or percentage of financing – which to choose?
At PragmaGO, you have the flexibility to choose your billing model:
- Fixed subscription – you pay one predictable fee each month, regardless of the number and value of invoices financed.
- Percentage rate – you regulate a certain percentage of the factoring limit actually used in a given period.
Our consultant will suggest which solution will be most beneficial for your company, taking into account, among other things, the number of contractors and frequency of invoicing. You will always know the initial costs before signing the contract.
Which factoring limit to choose?
Each paid invoice automatically renews the available limit amount. Therefore, its amount is best matched to the typical value of invoices and accepted payment terms.
Example:
- You issue invoices for PLN 120,000 per month with a term of 60 days – the optimal limit should be about PLN 240,000.
- when you invoice one recipient for PLN 15,000 with a term of 45 days – a limit of PLN 30,000 is sufficient.
You don’t have to calculate it yourself – a PragmaGO advisor will help you determine the right limit amount to fit your real needs
Do factoring expenses reduce tax?
Yes. Fees and commissions associated with the use of factoring are tax deductible. In practice, this means that you can include them in your company’s accounts and thus reduce your tax base and the final amount of tax payable.
How does factoring work?
Need quick access to money from your invoices? That’s how PragmaGO’s online factoring works – simply, fully remotely and without any unnecessary obstacles:
Factoring Lodz – benefits for your business at your fingertips
Free invoice monitoring
We continuously monitor the status of each submitted invoice – no hidden fees.
Freedom to report invoices
You choose for yourself which invoices you want to finance and when – no imposed limits.
Financing in multiple currencies
You receive withdrawals in PLN, EUR, USD, GBP or CHF – according to your needs.
Clear rules of cooperation
Before signing a factoring agreement, you know exactly how much you will pay – zero hidden costs and understatements.
Factoring in Lodz – check if it is a solution for your company
Factoring from PragmaGO is ideal if:
This service is used by companies in the transportation, trade, service and e-commerce sectors. The offer is also available to start-ups and young companies, regardless of their size or length of operation.
PragmaGO supports companies in Lodz and the surrounding area, helping them recover funds faster and invest them in their company’s growth.
Factoring in practice – answers to the most common questions
Does the counterparty have to agree to the factoring?
Yes, your counterparty will be informed of the assignment of receivables and the change of the account for payment to PragmaGO. The due date of the invoice remains unchanged.
Is creditworthiness checked?
Yes, in order to process your application, we need permission to check BIK and BIG data. In the case of a sole proprietorship, the owner’s creditworthiness is assessed, and for companies – the financial situation of the company. The credibility of your counterparties is key, so factoring is also available for start-ups and new entities.
How to sign a contract with a qualified electronic signature?
You have two options:
- If you have a qualified electronic signature, we will email you the contract for signature and return.
- If you don’t have a signature, you can use a one-time mSzafir certificate via a link from Autenti, signing the contract online without installing additional software.
What invoices can be submitted for factoring?
Invoices whose due date has not yet passed are eligible for financing. It is best to submit them at least 8 days before the due date. PragmaGO also offers financing of invoices to EU contractors, provided they are insured.
How long is the wait for a decision?
A decision is usually issued within 1-2 days of submitting an online application. After the decision, you will receive a contract and details of the offer. The entire process is automated, and you can contact your account manager if you have any questions.
Łódź – a space for innovation and business development
Lodz is one of the most important business centers in central Poland. Its convenient location, well-developed transport infrastructure and rapidly growing market make the city an excellent place to do business – especially in the manufacturing, trade, services and high-tech sectors.
PragmaGO offers factoring for companies in Lodz and the surrounding areas, supporting their liquidity. With quick access to funds from issued invoices, your company doesn’t have to wait for delayed transfers from contractors and can flexibly invest in growth and daily business needs.
How does factoring support companies in Lodz?
Textile industry
A Lodz-based textile company received a large order requiring the rapid purchase of raw materials. Thanks to PragmaGO factoring, the funds appeared in the account the same day, allowing timely production and delivery.
✅ Effect: liquidity maintained, order completed on time
Logistics and transportation
A carrier from Lodz waited 60 days for payment from a customer. He needed cash for fuel and driver salaries. After submitting the invoice to PragmaGO factoring, the decision was made in no time, and the funds arrived in the account the same day.
✅ The result: the fleet went on the road and drivers got paid on time