Reverse factoring
with in-kind collateral
give yourself time to repay
Payment terms for business purchases are getting shorter? Do you have your expenses, but want to maintain a good relationship with your suppliers?
Learn about reverse factoring, a service that allows your supplier to receive the money right away while you pay the liability at a convenient time.
funding limit
calculated in arrears
decision
Reverse factoring
step by step
The best solutions are the simplest ones. Check out how reverse factoring works in practice!
Stable financing = peaceful development of the company
Extended repayment period
You can repay your obligations within 90 days.
You pay only when you use
We do not charge any fees for maintaining the limit. You only pay for the amount of the limit you use.
One year contract
Reverse factoring gives your company secure access to funds for at least 12 months.
Low initial fee
Start using financing with minimal cost – the initial 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 regain or consolidate liquidity, ensure proper relationships with suppliers, and secure access to funds for the future.
You meet the requirements for reverse factoring if:
Questions and answers
What documents should be prepared for the application?
When applying for reverse factoring, prepare:
- current financial statements,
- Bank statements for the last 6 months in .pdf format,
- JPK_VAT files for the last 6 months in .xml format,
- security 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?
Funds obtained through reverse factoring financing cannot be used for the purchase of fixed assets (except in the real estate development industry), repayment of cheaper debt financing and repayment of public and legal arrears.
Can I finance business purchases one time?
The reverse factoring service involves a 12-month contract, so it is a long-term solution. If you want to finance a single invoice, check out the purchase financing service.
What are the costs of reverse factoring?
Reverse factoring costs consist of:
- Commission – determined individually on a risk basis, from 1.5% per month, charged in arrears,
- initial fee – determined individually, from 0.5%
We do not charge additional costs for early repayment – you can repay your obligation in full before the due date without fees.
Can I change the limit during the contract?
If your company’s needs change during the term of the contract, you can increase the available limit using the Customer Zone.
Log in, apply for a financing modification and pursue your company’s ambitious plans with ease!
What in-kind collateral is excluded?
We do not allow you to secure a mortgage loan with:
- agricultural and forestry properties,
- wooden properties,
- castles, palaces, mansions, forts and other properties listed in the register of monuments or under the supervision of the conservator,
- power plants and solar farms,
- Windmills and wind power plants,
- Plots without development conditions or not covered by the Municipal Land Use Plan,
- Sawmills, mines, gravel pits, sand pits, quarries, etc.