Reverse factoring up to PLN 10 million - check the offer!

Up to PLN 10 million

renewable
funding limit

from 1.5%

monthly commission
calculated in arrears

up to 48 hours

waiting time for
a decision

Reverse factoring
step by step

We believe that the best solutions are the simplest. Check out how reverse factoring works in practice!

1

Place an order for goods and wait for the invoice from the seller.

2

Contact PragmaGO – during the consultation we will help you choose the best solution for your business.

3

Submit your application and receive a decision in no more than 48 hours.

4

Once we have concluded an agreement, we will pay the invoice directly to the seller. You can repay the invoice amount plus interest within 90 days.

Stable funding = peaceful business growth

Extended repayment period

You can repay your obligations within 90 days.

You pay only when you use

We do not charge a fee for the granted funding limit. You only pay for the portion of the limit you actually use.

One year contract

Reverse factoring gives your company secure access to funds for at least 12 months.

Low entry fee

Get started with minimal cost financing – the upfront fee is only 0.5%.

Who can benefit from reverse factoring?

Reverse factoring is not an “emergency exit,” but a flexible service that allows your company to remain afloat or regain financial liquidity, ensure proper relationships with suppliers, and secure access to funds for the future.

You meet the requirements for reverse factoring if:

You want to finance purchases made from domestic vendors

Your property collateral (real estate) is not on the exclusion list

Your company has been in business for at least 24 months

Questions and answers

What documents should be prepared for the application?

When applying for reverse factoring, please prepare:

current financial statements,
bank statements for the last 6 months in .pdf format,
JPK_VAT files (Polish version of SAF-T) for the last 6 months in .xml format,
collateral proposal with an appraisal issued no earlier than 6 months before the date of application.

Remember, too, that we will need to check your company with the BIK – we will ask for your permission for verification before we establish cooperation.

What can I not use reverse factoring funds for?

Can I finance a one-time business purchase?

What are the costs of reverse factoring?

Can I change the limit during the contract?

What kind of collateral is excluded?

We do not allow you to secure a reverse factoring with:

agricultural and forestry properties,
wooden properties,
castles, palaces, mansions, forts and other properties listed in the register of historical monuments or under the supervision of the preservation officer,
power plants and solar farms,
windmills and wind power plants,
plots without development conditions or not covered by the local development plan,
sawmills, mines, gravel pits, sand pits, quarries, etc.

Reverse factoring
with a tangible collateral

give yourself time to repay

Reverse factoring
step by step