Online Factoring. Offer with FREE insurance

How does factoring work?

You issue deferred payment invoices, and we pay you in advance. Your contractor then pays the amount due directly to us on the invoice due date.

With factoring, you sign a cooperation agreement and gain access to the Client Zone. Here you can quickly and conveniently submit invoices for financing without having to send another application.

The standard limit amount is from PLN 50,000 to PLN 15,000,000 or from EUR 11,000 to EUR 3,330,000, depending on the needs of your company. Once granted, you can use the limit without any further formalities, and the funds received from the sale of invoices can be used for any purpose.

Interested in factoring for a higher amount? We have this option too – just let your account manager know.

What makes our factoring offer different?

Personal attention from a dedicated account manager

You can be sure that our factoring is tailored to your individual needs – you can easily adjust the amount of the limit, the range of additional services, and even the way the contract is signed.

Free transaction insurance

You don’t have to worry about your counterparty becoming insolvent and unable to meet its obligations. When you use online factoring, you get credit insurance as part of the package.

Guaranteed advance payment

As soon as the contract is signed, you receive a welcome advance from us so you can start using the funds as soon as possible. No need to wait for the contractor to sign the contract! We will deal with the formalities of the assignment later.

Receivables monitoring

You don’t have to waste time monitoring invoice payment dates – we do it for you. We can also advise you on how to secure your transactions through the use of appropriate sales documentation.

Online factoring calculator

Choose a currency for factoring

Estimated net cost

Sample calculation calculated for an entrepreneur who settles the flat tax (19%) and VAT. It is for information purposes only and does not constitute a commercial offer within the meaning of art. 66 par. 1 KC. For limits over 250 thousand PLN or 75 thousand EUR we prepare an individual price offer.

6000 PLN

/ month

The presented calculation does not constitute a commercial offer within the meaning of art. 66 par. 1 KC. The total cost has been calculated for an entrepreneur who settles the flat tax (19%) and VAT. For invoices over 250 thousand PLN or 75 thousand EUR we prepare a special price offer.

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Which billing method will work for me – subscription or rate?

You can settle with us by subscription or percentage rate.

In the subscription, you pay a fixed amount each month for the use of factoring, regardless of the value of financed invoices (the limit used).

If you choose online factoring with a percentage billing option, you pay a set percentage on the amount of the limit used in a given month.

A customer advisor will help you choose the most cost-effective form of settlement for you, with whom you will discuss your company’s situation (e.g. number of contractors, frequency of invoices) and also determine the initial cost of factoring. You will know the exact amount before signing the contract.

How to choose the optimum limit?

Estimate the amount, taking into account the fact that each time an invoice is paid, the limit renews.

If you issue invoices of PLN 100,000 per month with a payment term of 60 days, the optimal amount for you would be PLN 200,000.

Follow the analogy when setting limits on individual recipients. If you issue invoices with long payment terms of 60 days for 20,000 PLN per customer per month, then 40,000 PLN would be the optimal amount in such a case.

Our customer advisor will help you determine the optimal amount.

Can I change the limit during the contract?

Can I include factoring expenses as a business expense?

Online factoring in 3 steps

1. Sending the application

2. Free consultation with an advisor

3. Decision and signing of the contract

A factoring service is for you if:

You offer deferred payment invoices to your contractors, and you need cash faster.

You regularly issue invoices to regular contractors.

You run a sole proprietorship or are looking for financing for a company in the SME sector.

You need permanent financing of more than PLN 50,000 or EUR 11,000.

Not sure if online factoring is the solution for you?

Maybe you need access to cash from time to time, or maybe you’re interested in fast financing?

Learn about single invoice financing and take care of your company’s liquidity.

Learn more

Questions and answers

What is a guaranteed advance?

In order to meet customer expectations, we have reduced the waiting time for withdrawal of funds as much as possible. Any entrepreneur who uses our factoring for the first time will receive an advance from us as soon as the contract is signed – even before the assignment is confirmed.

It is sufficient to demonstrate cooperation with the applicant and recipients, and the absence of bailiffs and foreclosure.

The advance payment does not involve any additional costs.

Do my counterparties (customers) have to agree to factoring?

Yes, factoring is a form of financing based on the assignment of receivables. Your recipients will receive a notice of assignment asking them to sign it and send it back to us.

Apart from the account number to which they will make payments (instead of yours, the funds will be transferred to our account), nothing else about them changes. Invoice payment terms also remain the same. Your recipients also do not incur any additional costs.

Many companies are familiar with the factoring service, so there is usually no problem signing an assignment of receivables.

Will my creditworthiness be verified during the application process?

How to sign a contract with a qualified electronic signature?

You can do this in two ways.

Method 1: Sign the contract with a qualified electronic signature you already have.

If you have a qualified electronic signature, you will receive an email from us with a prepared factoring agreement and a request to sign it. All you have to do is send it back to our email address.

Method 2: Sign the contract with a one-time qualified electronic signature.

In the email you received from Autenti, click “View document” and then review the contents. In the next step, select the option of signing with mSzafir by KIR S.A. (one-time certificate). Then select the statement, choose an identity verification method and confirm your information. The final step is to authorize and sign the document.

What invoices can be submitted for funding under this service?

What does the factoring process involve?

The process is extremely simple. It involves three parties – the factor, the factorant (the entrepreneur issuing the invoice) and the invoice recipient (the counterparty).

The entrepreneur delivers the goods or performs the service for its customer and then submits a copy of the invoice to the factor for faster cash.

The factor performs a transfer of funds to the factor’s account, and the recipient pays the liability directly to the factor’s account on a prearranged date.

How long do you have to wait for a decision?

Is it possible to finance invoices in a foreign currency, e.g. EUR?

Which industries can benefit from factoring?

We finance SME companies without any restrictions in the context of the industry. We offer factoring for transportation companies, construction companies and many other areas of the economy. The size of the company doesn’t matter to us either – we offer financing to large, small and micro entities alike.

For the smallest entrepreneurs, we have prepared a special service – micro-invoicing. Our offer is addressed to all companies that issue invoices with payment terms from 8 to 120 days and want to take care of their liquidity.

Do factoring services require insurance?

Can I add/delete pre-designated recipients/contractors?

Didn’t find the answer to your question?

Customer Zone

Customer Zone is a platform that you have free access to 24/7 – whenever you need it. Here you can, among other things. convert invoices to cash even faster and add/remove counterparties, as well as request a change in the factoring limit.

In the Customer Zone you benefit from financing on an ongoing basis – without additional paperwork.

Online factoring

with guaranteed payment

Sign the contract and receive an advance payment immediately. We will take care of the assignment formalities later!

Complete the free application