Online factoring with a revolving credit line of up to 15 million PLN
Every invoice with a long payment term is cash waiting to be collected.
Online factoring turns it into funds in your account—so you can get things done before your business partner pays.
Fill out a free application
· consistent, renewable access to financing
· Decision within 1–2 business days
· Up to 150,000 in financing without a promissory note
20% off
with regular
cooperation
100%
Advance payments made to
via express transfer
Up to 150,000. PLN
financing without a promissory note
What is online factoring?
Factoring is a service for businesses that allows you to receive payment for your invoices immediately—without having to wait until the due date.
All you need to do is submit your invoice for financing before the payment due date. The funds will be deposited into your account within a few hours of signing the agreement—and you can get back to business.
You can use the funds from online factoring however you need—for example, for investments, employee salaries, or the purchase of goods and materials.
Kalkulator faktoringu online
Wybierz walutę dla faktoringu
Szacunkowy koszt netto 
Regular business with us means lower prices. The more often you finance invoices from the same customer, the better the terms— a 20% discount off the regular price. You’ll know the exact cost before signing the contract.
Which factoring billing method will be more advantageous for me—a subscription-based plan or a rate-based plan?
With online factoring, you can settle your accounts with us based on a subscription fee or a percentage rate.
With a subscription, you pay a fixed amount each month—regardless of the value of the invoices financed (or the limit used).
If you choose the percentage-based billing option, you pay a fixed percentage of the limit used in a given month.
Which model will be more beneficial for you? It depends on the number of business partners and how often you issue invoices. Our advisor will help you calculate this—you’ll know the exact cost of factoring before you sign the contract.
How do you choose the optimal factoring limit amount?
Estimate the amount, keeping in mind that the limit is reset each time an invoice is paid.
Example: If you issue invoices totaling 300,000 PLN per month with a 60-day payment term, the optimal limit is 600,000 PLN. Apply the same rule to limits for individual customers—for invoices totaling 100,000 PLN per month with a 60-day payment term, the optimal factoring limit for that customer would be 200,000 PLN.
Our customer advisor will help you determine the optimal amount.
Can I change the factoring limit during the term of the agreement?
Yes—you can increase your limit as your business grows, all online. Log in to the Customer and Payer Portal, submit a request to change your financing amount, and wait for a decision.
We know how unpredictable business can be—that’s why we prioritize flexibility.
Can I include factoring expenses as a business expense?
Yes. You can classify commissions and interest on factoring services as tax-deductible business expenses and deduct them from your taxes.
Online factoring in 3 steps
Step 1 – Fill out the free online form
It will take you a few minutes. Verify your business account, and we’ll prepare a customized factoring offer for you.
Step 2 – Wait for the decision and sign the contract
You’ll receive the decision on your credit limit within 1–2 business days—along with the agreement for your approval.
Step 3 – Submit the invoice and receive payment
Upload your invoice in the Customer and Payer Zone—the funds will be credited to your account within a few hours. Then you can get back to work.
What makes our factoring offer different?
Financing available in 5 currencies
Do you work with international business partners? Currency isn’t an issue. We finance invoices in PLN, USD, EUR, GBP, and CHF—you collect your receivables, and we’ll take care of the rest.
20% off for repeat purchases
Do you regularly issue invoices to the same customers? The longer your business relationship with a customer, the better your factoring terms—the service fee drops by 20%.
Receivables Monitoring as Part of the Service
You’ll know exactly what’s happening with every invoice—without having to track them yourself or send reminders to your business partners. We keep an eye on payment deadlines for you, so you can spend more time growing your business instead of dealing with administrative tasks.
Individual support from an advisor
You submit your application online, on your own. Then an advisor will contact you—to ensure that the factoring solution is tailored to your business, not the other way around. Together, you’ll determine the credit limit and scope of services so that you know exactly what you’re signing up for.
Is factoring right for you?
If you regularly issue invoices to your business partners with deferred payment terms and need cash sooner.
if you need long-term financing in an amount exceeding 50,000 PLN (or the equivalent in EUR, USD, GBP, or CHF).
if you operate a sole proprietorship or are seeking financing for an SME.
if the due date for the invoices is within seven days or sooner.
Companies in Action – How Does Online Factoring Help in Practice?
Business owners use factoring not only to maintain liquidity, but above all to grow faster. See how PragmaGO’s online factoring translates into concrete results.
Transportation Company – Revenue Up 95%
For our client in the TSL industry, long payment terms were hindering growth and making it difficult to secure new orders. Factoring not only solved the liquidity problem but also allowed the company to expand its fleet and significantly increase its revenue.
Furniture manufacturer – 30% increase in sales
At a family-owned furniture manufacturing company, the main problem was long payment terms. Factoring not only resolved this issue by freeing up funds, but also helped significantly increase sales.
FAQ – Frequently Asked Questions
What is a guaranteed payment in online factoring?
To meet our customers’ expectations, we have minimized the waiting time for fund disbursement. Every business owner using our factoring service for the first time will receive a portion of the funds immediately upon signing the contract—even before the assignment is confirmed.
It is sufficient to demonstrate cooperation with the registered recipients and the absence of any bailiff or enforcement proceedings.
Early partial withdrawal of funds does not incur any additional costs.
Czy moi kontrahenci (odbiorcy) muszą wyrazić zgodę na faktoring online?
Yes, factoring is based on the assignment of receivables —that is, the transfer of the right to collect payments from your invoices to us. Your customers will receive a notice of assignment asking them to sign it and return it to us.
Other than the account number to which they will make payments (instead of paying you, they will transfer the funds to our account), nothing else changes for them. Invoice payment deadlines also remain the same. Your customers do not incur any additional costs.
Many companies are familiar with factoring services, so there is usually no problem with signing a debt assignment agreement.
Will my creditworthiness be checked when I apply for factoring online?
We need your consent to check your credit history with BIK and BIG so that we can process your application.
With online factoring, however, we focus primarily on verifying your business partners. So if you work with reliable entities, you shouldn’t have any trouble obtaining financing.
How does the verification of a business bank account work?
We’re checking the invoice to make sure the money goes into your business account.
Account verification must be performed using the Kontomatik platform. The login process is secure—we do not have access to your bank login credentials at any stage.
With Kontomatik, we receive only a statement, which we use to confirm that the specified business account belongs to you and is on the white list of VAT taxpayers.
How do I sign a factoring agreement with a qualified electronic signature?
There are two ways to do this.
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. Wystarczy, że podpiszesz dokument i odeślesz go na nasz adres e-mail.
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 types of invoices can be submitted for financing through online factoring?
We finance invoices that are not yet due. This means that the invoice must be submitted at least 8 days before the due date.
Our online factoring service also allows you to finance foreign customers from EU countries. In this case, however, we require you to submit an insurance policy or purchase additional insurance through us.
How does the online factoring process work?
Online factoring is extremely simple. Three parties are involved:
- Faktor (service provider),
- invoicing party (business issuing the invoice),
- invoice recipient (business partner).
A business owner delivers goods or provides a service to a customer, issues an invoice, and then submits the document to a factoring company to obtain cash more quickly.
The factor transfers the funds to the factorer’s account, and the payee repays the debt directly to the factor’s account by a predetermined date.
How long does it take to receive a decision on a factoring line of credit?
You will receive a decision within 1–2 business days after submitting your application.
You will receive the financing terms along with the agreement and the General Terms and Conditions of the Financing Service (OWUF). Do you have any questions?
Talk to your advisor—he or she will do everything possible to help you.
Is it possible to finance invoices in foreign currency?
We offer factoring credit lines in five currencies:
- Polish zloty (PLN)
- Euro (EUR)
- U.S. Dollar (USD)
- British pound (GBP)
- Swiss franc (CHF)
Please note that all invoices you wish to finance through PragmaGO must not be past due.
What industries can benefit from factoring?
We provide financing to companies in the SME sector without any industry restrictions.
We offer factoring services for businesses:
- transportation,
- construction,
- production,
- commercial,
- and many other sectors of the economy.
The size of the company doesn’t matter to us either—large, medium, small, and even micro-enterprises can take advantage of our financing.
Our offer is aimed at all companies that issue invoices with payment terms ranging from 8 to 120 days and want to ensure their cash flow.
Can I add or remove vendors for factoring financing?
Yes, we prioritize flexibility, which is why you can add or remove a business partner at any time during the term of the contract. To do so, please use our Customer and Payer Portal.
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