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From your first application to settling arrears in three straightforward steps.
You fill out a short online form and attach: bank statements from the last 6 months, information about ZUS and tax office arrears, and your latest PIT settlement. No branch visits and no paper applications.
Instead of waiting weeks at a bank, our team reviews your situation and prepares a tailored ZUS and tax financing offer - usually within one business day from receiving a complete document set.
You sign the agreement electronically - your phone is enough. After a positive decision, the funds to settle arrears go directly to ZUS or the tax office, most often the same business day after verification.
PaveNow was created based on the experience of SME owners who know the pressure behind financial decisions. That is why we started with simple, fast business loans - and later added tools for cash flow control and finance automation. One platform supports both day-to-day liquidity and further growth.
years in the market
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Behind PaveNow there is real financial backing, not just a cloud app. We have a stake in Signet Bank and a strategic partnership with Magnetiq Bank, an EU-licensed bank. This gives you an efficient fintech experience on bank foundations, with procedures that protect billions of euros in assets every day.
The product is available to sole proprietorships in Poland with at least 12 months of documented operating history.
A credit decision is issued within 24 hours after documentation is complete. Funds are transferred on the same business day if you accept the terms and sign electronically by 2 p.m..
We keep document requirements to the necessary minimum:
- Company identification data (NIP, REGON, registration data)
- Business account transaction history from the last 6 months
- Documentation confirming arrears with ZUS and the Tax Office (pavenow.io)
Basic eligibility criteria include:
- Active business status in the CEIDG or KRS register
- At least 12 months of business activity
- Documented revenue for the last quarter
- Confirmed arrears with public institutions
- No restructuring or bankruptcy proceedings
No. Funds are transferred directly to the accounts of public creditors (ZUS, Tax Office) in line with the arrears list you provide. This mechanism ensures the financing is used as intended and improves your company’s tax status immediately.
The standard period is 30 calendar days. For clients meeting additional criteria, an option to extend repayment up to 60 days is available.
No. We do not charge additional fees for reviewing the application, early repayment, or preparatory commissions. The total cost of financing is included in the transparent interest rate.
Repayment is one-off on the agreed date. For amounts above PLN 50,000, it is possible to negotiate an instalment schedule after an individual assessment of repayment capacity.
Yes. We operate as an entity regulated by the Polish Financial Supervision Authority, which ensures the offered solutions comply with applicable law.
In its current form, the product does not include consolidation of commercial loans. We focus solely on settling public liabilities that directly block access to standard bank financing.
The standard offer does not cover entities in formal restructuring proceedings. However, for businesses in a recovery process with an approved restructuring plan, an individual analysis may be possible.
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