Factoring Warsaw
Grow your business without waiting for transfers
Do you have a company in Warsaw and issue invoices with a deadline of 30 days or more? Don’t wait for a transfer from your contractor. With PragmaGO you will receive the invoice money right away.
Use factoring to free up funds from your invoices and invest in your company’s growth exactly when you need it.
Fill out a free application
Find out how much you can gain with factoring tailored to your business.
funding limit
without a promissory note
by express transfer
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Factoring
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Do you run a company in Warsaw and want to recover money from invoices quickly?
Check out how factoring works at PragmaGO – clearly, step-by-step, without unnecessary paperwork.
Factoring for companies from Warsaw – in a nutshell
Free monitoring of receivables
We keep track of payment terms for you. At no additional cost to you.
No invoice limit
Need financing for one invoice? No problem. We don’t require a minimum.
Financing in multiple currencies
Available currencies: PLN, EUR, USD, GBP and CHF.
Clear rules, zero hidden fees
You know all factoring costs upfront. We operate transparently.
Who is factoring in Warsaw for?
PragmaGO factoring can be used by companies in Warsaw and the surrounding area that sell on deferred payment terms. It’s a good solution for businesses in various industries – trade, services, transportation and many others. The offer is for you if:
Online factoring can also be used by new companies and start-ups – regardless of seniority and size of business.
Questions and answers
Do contractors have to agree to the assignment?
Yes, the contractor must be informed about the assignment and agree to it. In practice, this means that he will pay the invoice to the PragmaGO account, rather than directly to you. Neither the payment term nor the terms of the contract change.
For many companies in Wroclaw, this is an everyday occurrence – contractors usually accept the assignment without reservation.
Will my creditworthiness be verified during the application process?
Yes. We need your permission to check BIK and BIG data. For a sole proprietorship, we assess the capacity of the person running the company. For companies, we take into account the financial situation of the company itself.
What matters most, however, are your invoices and the credibility of your counterparties. That’s why PragmaGO factoring can also be used by new companies and start-ups from Warsaw and the surrounding areas.
How to sign a contract with a qualified electronic signature?
You have two options:
- Do you have your own qualified signature?
You will receive the contract by e-mail. Sign it with your qualified signature and send it to the indicated address.
- Don’t you have a signature? Take advantage of the one-time certificate (mSzafir)
Click on the link from Autenti, confirm your information and sign the factoring agreement online – without installing additional software.
What invoices can I submit for factoring?
You can report deferred invoices, provided they are not yet past due.
Do this at least 8 days before the due date.
We also finance invoices issued to contractors from the European Union – if the receivable is covered by insurance, yours or PragmaGO.
How quickly will I receive a decision?
We usually make a decision within 1-2 days of submitting an online application.
Along with the decision you will receive an offer, contract and details of the service. The process is simple and largely automatic.
If questions arise – a dedicated tutor will help you.
Can I change contractors during a contract?
In PragmaGO, you add or remove contractors yourself in the Client Zone.
You don’t have to sign annexes or deal with additional paperwork – everything will be done online, quickly and conveniently.
Warsaw – the heart of business and innovation
Warsaw is Poland’s largest economic center, home to more than 500,000 companies, the vast majority of which are micro and small businesses. The capital attracts investors, supports the development of modern services and creates a friendly environment for companies in industries such as finance, IT, e-commerce, transportation and business consulting.
Thanks to PragmaGO factoring, Warsaw entrepreneurs can quickly recover funds from invoices and use them for business growth – without waiting for payment from the counterparty.
How does factoring support Warsaw-based companies?
IT industry
A Warsaw-based IT company gained a new client for a software implementation requiring sudden investments in hardware and human resources. PragmaGO factoring made it possible to quickly finance invoices and start work without delays.
✅ Effect: investments completed on time, project started on schedule
Construction
A Warsaw construction company was awarded a major renovation contract. Delayed payments could have jeopardized deadlines, but PragmaGO factoring provided quick access to funds, allowing materials to be purchased and work to proceed on schedule.
✅ Effect: liquidity maintained, renovation completed on time