Don’t let lack of cash limit your business
Most companies declare bankruptcy before the end of the first year of operations.
The costs associated with starting and growing a business make it difficult for entrepreneurs to maintain liquidity. Its loss can be a direct cause of failure in the market. Moreover, without a long enough credit history with the BIK, it is not easy to reach for additional sources of working capital funds.
Learn more about our sales invoice financing services and grow your start-up unhindered!
Choose startup financing:
Factoring
The service makes it possible to sell invoices on a regular basis and thus gain access to money owed to the company long before the invoice is due.
Financing of individual invoices
The solution is ideal for those start-ups that work with unique contractors, do not want to be bound by a permanent contract or do not have the need for one.
What do you gain from our financing?
How do customers rate us?
Szafron Szendzielorz Projekt sp. z o.o. 
I established cooperation with PragmaGO at the beginning of the second quarter of 2022. Since then, PragmaGO has been serving my company with invoice financing for some of our clients. Starting to work with PragmaGO was one of the best decisions I made. PragmaGO works with unbelievable speed – both the establishment of cooperation and day-to-day cooperation – all matters are handled on the spot. The electronic billing system works perfectly. Transfers are processed within an hour of submitting the invoice for financing. PragmaGO solves at least half of my problems. There is no better solution for companies.
PPHU „PLASTYKON”
I am very satisfied with the cooperation with PragmaGO. I can issue term invoices and not wait for payment. I get the money in my account quickly, after completing a few simple formalities. Everything is taken care of with the help of the app. I recommend PragmaGO.
Questions and answers
How does factoring for start-ups work?
Can I finance a single invoice?
Do I need a guarantor to use factoring?
Does factoring affect my credit history with BIK?
No, factoring does not affect your credit history. It is not debt financing, but based on the receivables (already earned money) of the entrepreneur. When you apply for factoring, we send a monitoring inquiry to the BIK, but it does not charge your company’s scoring.
What is the cost of fixed factoring and invoice finance?
The cost of factoring depends on the financial assessment of your company and your counterparties, the amount of the limit you request and the type of settlement you choose. The final amount will be presented to you before signing the contract. Using permanent online factoring, you pay for the maintenance of the limit and a commission for invoice financing.
If you want to sell invoices from time to time, you will get access to a free limit, but you will pay a higher financing fee. As with factoring, you will know the final cost of financing individual invoices before accepting the terms of the agreement.
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