Factoring Szczecin
– Quick access to funds from invoices
Do you have a company in Szczecin and are waiting too long for payments from customers? With PragmaGO you can avoid financial bottlenecks – factoring allows you to quickly recover money from issued invoices.
Take care of liquidity and use the available funds for what your company needs most – growth, investment or daily expenses. No stress, no risk of delays from 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
Factoring Calculator
Choose the currency for factoring
Estimated net cost 
Subscription or percentage rate – which is more profitable?
In PragmaGO you can settle in two ways:
- Subscription – you pay a fixed amount every month, regardless of the number and value of invoices submitted.
- Percentage rate – you pay a fixed percentage of the factoring limit used in a given month.
The consultant will help you choose the best option – he will take into account, among other things, the number of contractors and the frequency of invoicing.
You will learn the preliminary quote before signing the contract.
How to choose the amount of factoring limit?
Remember that the limit renews after each paid invoice.
Therefore, it is worth adjusting its amount according to the value and payment terms of invoices.
Example:
- If you issue invoices for PLN 100,000 every month with a term of 60 days – the optimal limit is PLN 200,000.
- If you invoice one contractor for 20,000 zlotys with a term of 60 days – the limit of 40,000 zlotys will be sufficient.
You do not need to calculate it yourself – our advisor will help you choose the right amount.
Can factoring costs be included in business expenses?
Yes. You can include commissions and interest related to factoring as a deductible expense. This will reduce your tax base and pay less tax.
How does factoring work?
Want to quickly release funds from your invoices? Check out how online factoring works at PragmaGO – clear, fast and without excessive paperwork:
Factoring Szczecin – see what your company gains
Free invoice monitoring
We check the status of each reported invoice in real time – at no additional cost.
Flexible invoice reporting
You decide for yourself which invoices you want to finance and when – no limit.
Financing in multiple currencies
Withdrawals available in PLN, EUR, USD, GBP or CHF – whatever you need.
Transparent rules
You know in advance how much you will pay. No fine print, no hidden costs.
Factoring in Szczecin – check if it is a solution for you
Online factoring from PragmaGO will work well if:
This service is used by companies in the transportation, retail, service and e-commerce industries. Factoring is also available to start-ups and young businesses – regardless of their size or seniority.
PragmaGO supports companies from Szczecin and the surrounding area that want to recover money faster and use it for growth.
Questions and answers
Does the counterparty have to agree to the factoring?
Yes. Your counterparty is informed about the assignment of receivables and redirection of payments to the PragmaGO account. The invoice payment term remains unchanged.
Is creditworthiness checked?
Yes. In order to process your application, we need your permission to check your data with BIK and BIG.
- With a one-person business, we verify the owner’s creditworthiness.
- In the case of companies – 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.
How to sign a contract with a qualified electronic signature?
You have two choices:
If you don’t have a signature – you can use a one-time mSzafir certificate. You click on the link from Autenti, confirm your data and sign the factoring agreement online, without installing any additional software.
If you have a qualified signature – we will send you a contract by e-mail. Sign it and send it back to the indicated address.
What invoices can be submitted for factoring?
You can report invoices whose due date has not yet passed. It is best to do this at least 8 days before the due date.
PragmaGO also finances invoices issued to contractors from the European Union – provided they are covered by receivables insurance (yours or PragmaGO’s).
How long is the wait for a decision?
You will usually receive a decision in 1-2 days after submitting your application online.
Together with the offer, we will send you a contract and details of cooperation. The process is automatic, and you can contact your account manager if you have any questions.
Can invoices be financed in foreign currency?
Yes. At PragmaGO, we offer factoring in five currencies: PLN, EUR, USD, GBP and CHF. It is important that the invoices submitted are not overdue at the time of financing.
Szczecin – business with access to Europe
Szczecin is one of the most important economic cities in northwestern Poland. Its proximity to the German border, access to a seaport and developed infrastructure make it an ideal place to do business – especially in logistics, industry, trade and services.
PragmaGO offers factoring for companies from Szczecin and the surrounding areas, supporting entrepreneurs in maintaining liquidity. Thanks to the fast disbursement of funds from invoices, companies do not have to wait for transfers from contractors and can freely invest in growth.
How does factoring support companies from Szczecin?
Furniture manufacturing
A Szczecin furniture company received a large order with a short lead time. In order to start production, it had to pay for the materials immediately. Thanks to factoring, the funds arrived in the account the same day. The company met the deadline and completed the order.
✅ Effect: liquidity maintained, order completed on time
Transport
The Szczecin-based carrier had to wait 45 days for payment from a contractor. Meanwhile, he needed funds for fuel and driver payments. He submitted the invoice to PragmaGO factoring – the decision was made in a few minutes, and the money hit the account the same day.
✅ The result: the fleet went on the road and drivers got paid on time