A convenient loan at
for businesses—from you at
for your customers
Build lasting relationships with a loan available right in your community
Starting now, your customers can take out a loan from you:
- Without leaving your environment
- No documentation
- A decision in 3 minutes
These companies have already implemented PragmaGO Merchant Cash Advance for their customers:
Mihai Voicu
Head of Retail and Groceries, Glovo
At Glovo, we’re constantly looking for ways to support our partners’ growth and competitiveness. We know that a lack of access to capital can be a significant barrier for many small and medium-sized businesses in the HORECA and retail sectors. By providing a dedicated space for PragmaCash on our platform, we give merchants easy access to independent, fast, and digital tools that help them manage cash flow and capitalize on market opportunities.
What do you gain from Merchant Cash Advance?
A tool for acquiring new customers
A loan service for companies that are already working with you or considering your offer is a benefit that your competitors typically don’t provide.
Recurring Revenue from Rev Share
You don’t have to wait for the customer to pay the full amount—you receive a commission on each payment. The commission rate is determined on a case-by-case basis, depending on the rates charged to merchants.
100% of the risk and responsibility are on our side
We handle the entire loan lifecycle: from credit scoring through KYC and AML, contract signing, disbursement of funds, and customer service, all the way to monitoring repayments and potential debt collection. We assume full credit risk for all transactions.
Anti-churn and Customer Loyalty
Financing is the reason why customers keep coming back to you. As many as 63% of companies return for additional financing, submitting an average of 2.9 loan applications per year—which is the best proof of their satisfaction.
In addition, companies that use our services report an average year-over-year increase in revenue of 36%.
A business loan that’s better than the rest
Merchant Cash Advance is highly regarded by business partners, end customers, and the fintech industry alike. The most important awards for our business loan include:
Obecność na liście Financial Times FT 1000: Europe’s Fastest Growing Companies.
The Best Embedded SME Lending Solution in the CEE Region (#CEE24 SME Banking Club Conference and Awards).
Fintech of the Year Award in Poland (presented by cashless.pl).
The Best B2B E-commerce Tool/Technology/Service (E-Chamber of Digital Economy Award).
You can set up a Merchant Cash Advance loan in just a few weeks
REST API
It takes an average of 4–6 weeks to set up a Merchant Cash Advance loan via the REST API.
Production scale
We process over 10,000 requests per day. We guarantee a 99.9% SLA.
The widget in your environment
Customers see a personalized financing offer immediately after logging in to your platform, without having to leave your environment.
Regulatory Compliance
We protect your customers’ data in accordance with the GDPR, PSD2, and NIS2.
Please contact us to discuss the proposed solutions and review our API documentation.
How does the application process for a Merchant Cash Advance work?
1
Step 1
The customer logs in to the Partner’s platform, where a widget displaying a personalized financing offer is visible. After clicking on it, the customer is taken to the application form with a calculator.
2
Step 2
The customer enters the company’s information. Most fields are automatically populated with data from the Partner’s system—the customer simply needs to verify that the information is correct.
3
Step 3
The merchant receives an offer to accept within 3 minutes. The merchant signs the agreement using an SMS code. PragmaGO transfers the funds to the merchant’s account within 24 hours.
Frequently Asked Questions
What Is a Merchant Cash Advance?
This is an embedded finance solution in which PragmaGO provides your B2B customers with a loan directly within your environment—with your branding, but using our financing, technology, and risk management.
How is the commission rate determined?
The revenue share is determined on a case-by-case basis based on sales volume and the number of B2B companies partnering with the affiliate.
Who bears the risk of a customer’s insolvency?
PragmaGO bears the entire risk. It is possible to opt for a model with a higher revenue share if the Partner decides to assume part of the risk.
How long does it take to set up a Merchant Cash Advance?
On average, 4–6 weeks via the REST API.
In which countries is the Merchant Cash Advance loan already available?
We operate in Poland, Romania, Spain, and Croatia.
