Factoring Poznan
Invoice money without the wait? It works with us
Do you run a company in Poznań and wait too long for transfers from customers? With the factoring service from PragmaGO, you will quickly recover funds from invoices – without blocking cash and unnecessary formalities.
Gain full control over your financesand allocate funds for what matters: growth, daily expenses or new investments. No delays, no stress, no risk.
Fill out a free application
Financing tailored to the realities of your industry? It’s possible.
funding limit
without a promissory note
by express transfer
Factoring Calculator
Choose the currency for factoring
Estimated net cost 
Subscription or percentage rate – how to choose the more favorable option?
In PragmaGO you have two ways of billing:
- Subscription – you pay a fixed amount each month, regardless of the number or value of invoices submitted.
- Percentage rate – you pay a certain percentage of the total limit used in a given month.
You don’t have to choose on your own. A consultant will help you choose the best solution – taking into account the number of invoices, contractors and the way your company operates.
You will get to know the preliminary quote even before signing the contract.
How to determine the appropriate factoring limit?
The limit renews after each paid invoice, so it’s a good idea to adjust the limit according to the value of invoices and payment terms.
Examples:
- Do you issue monthly invoices for PLN 100,000 with a 60-day deadline? A good limit is £200,000.
- Do you have a contractor who receives PLN 20,000 invoices from you with a 60-day deadline? All you need is a limit of PLN 40,000.
You don’t have to calculate it yourself – your advisor will help you choose the amount that best suits your business.
Can factoring expenses be recognized as a business expense?
Yes. You can include factoring fees – such as commissions or interest – as a tax-deductible expense.
By doing so, you reduce your tax, because your tax base is reduced. You gain more funds for the development of your business – legally and without unnecessary paperwork.
Factoring step by step
Do you have deferred payment invoices and need cash now?
With online factoring from PragmaGO you will quickly convert invoices into cash and use it right away. No stress, no waiting.
Factoring Poznań – benefits that really count
Free invoice monitoring
Each invoice submitted for financing is monitored on an ongoing basis – at no charge.
You report only those invoices that suit you
We do not impose limits – you decide for yourself which invoices you want to finance and when.
Financing in multiple currencies
You can receive funds in PLN, EUR, USD, GBP or CHF – you choose what suits you.
Clear terms, no surprises
You know the costs up front. There are no hidden fees, fine print or surprises.
Factoring in Poznan – is it a proposition for your company?
If you are running a business in Poznan and:
…then online factoring from PragmaGO may be exactly what you need.
This form of financing is used, among others, by companies in the transport, trade, services and e-commerce industries. The solution also works well for young companies and start-ups – regardless of the scale of operations or the length of time they have been on the market.
PragmaGO supports entrepreneurs from Poznan and the surrounding area who want to recover funds from invoices faster and use them for growth.
FAQ – everything you need to know
Does the counterparty have to agree to the factoring?
Yes. The contractor receives information about the assignment of receivables and that payment of the invoice should be directed to the PragmaGO account. The invoice payment date does not change.
Is creditworthiness checked?
Yes. Before we process your application, we will ask you for permission to verify with BIK and BIG databases.
- If you are a sole proprietor – we check your ability as an owner.
- In the case of a company – we analyze the financial situation of the company.
However, the most important thing is the credibility of your counterparties. That’s why PragmaGO factoring can also be used by new companies and start-ups – even those without a long business history.
How to sign a contract with a qualified electronic signature?
You have two options:
- If you already have a qualified signature – we will send you a contract by e-mail. You sign and send the document back.
- If not – you can use the one-time signature mSzafir. You click on a link from Autenti, confirm your data and sign online – without installing additional software.
What invoices can be submitted for factoring?
Forward invoices that are not yet due – preferably at least 8 days before the due date.
You can also finance invoices issued to EU contractors – if they are covered by accounts receivable insurance (yours or provided by PragmaGO).
When will I receive a decision?
Usually within 1-2 business days of submitting an online application.
Along with the decision, we send a contract and details of the offer. The process is largely automated, but if you have questions – you can always count on the help of a supervisor.
Can I finance invoices in foreign currencies?
Yes. PragmaGO offers factoring in five currencies: PLN, EUR, USD, GBP and CHF.
Condition: the reported invoice must not be overdue at the time of financing.
Poznan – center of business and innovation
Poznań is one of the most dynamic economic cities in Poland. A strong industrial sector, developed trade, logistics and thriving service companies create an environment conducive to development. The city attracts both investors and young technology companies.
PragmaGO supports entrepreneurs from Poznan and the surrounding area, offering factoring tailored to local needs. With fast invoice financing, companies gain more liquidity and can grow without waiting for payments from customers.
How does factoring support companies in Poznan?
Furniture manufacturing
A Poznan furniture company received an urgent order and needed to pay for materials immediately. Thanks to PragmaGO factoring, the funds arrived in the account the same day, and the order was completed on time.
✅ Effect: liquidity maintained, order completed on time
Transportation services
A carrier from the Poznan area was waiting 60 days for payment, and needed funds for fuel and running costs. Thanks to PragmaGO factoring, the money arrived in their account in no time, allowing them to continue with their orders.
✅ The result: the fleet went on the road and drivers got paid on time