Financial management and business financing for transport and freight companies

In transport, operational costs happen here and now - fuel, tolls, servicing, leasing and driver expenses - while client payments often arrive later. PaveNow helps transport and freight companies organize invoices, track costs and manage cash flow in CFO Suite, while giving access to financing options when liquidity or growth needs support.

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Organized documents
Spend control
Bank-grade security
Real-time insights
Controlled scaling
Business financing
Fast funding
Built for transport and freight companies that want clearer control over costs, documents and cash flow

Running a transport or freight business means managing much more than routes and loads. Fuel costs, tolls, vehicle servicing, driver expenses, leasing, contractor invoices and delayed client payments all affect daily cash flow.

PaveNow helps bring these moving parts into one clearer process, so you can track documents, costs and payment statuses without relying on scattered files, emails and last-minute corrections.

Financing options for transport companies
when operating costs cannot wait

Transport companies often need to cover costs before customer payments arrive - for fuel, tolls, servicing, fleet operations, leasing or business growth. Depending on your situation, PaveNow can help you choose a financing option that supports liquidity without slowing down day-to-day operations.

Growth Loan

If you want to increase scale, take on larger contracts, expand your fleet or invest in operational growth, a Growth Loan can help you move forward without blocking your current business activity.

Up to:
PLN 1,000,000
Term:
3-12 months
Interest from:
14.5%
per year
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Bridge Loan for ZUS
and tax office obligations

If ZUS or tax office deadlines are approaching and cash flow is temporarily tight, a Bridge Loan can help you settle public liabilities on time and reduce pressure on your transport business.

Up to:
PLN 100,000
Term:
30-90 days
Provision from:
12.5%
per 10 days.
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Contract factoring

If you have a signed B2B transport, logistics or freight contract with future payments, contract-backed financing can help you access funds earlier. Financing is based on the contract and expected receivables, so you can support liquidity before all payments arrive.

Up to:
PLN 2,000,000
Term:
1-12 months
Interest from:
1.2%
per month
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Business Loan Secured by Real Estate

If you need a larger amount for a strategic move, fleet development, operational expansion or a longer-term investment, a secured business loan can support bigger plans when real estate collateral is available.

Up to:
PLN 4,000,000
Term:
6-24 months
Interest from:
1.5%
per month
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How PaveNow CFO Suite works in practice for transport and freight companies

CFO Suite helps transport and freight companies manage the financial side of daily operations - from invoices and cost documents to driver expenses, accounting exports and cash flow analytics. Instead of switching between emails, attachments, folders and spreadsheets, your team works in one organized space designed for companies that operate on the road and manage documents across different people and locations.

Invoices and payments

Issue invoices faster for transport services, freight forwarding, logistics cooperation or B2B contracts, and track payment statuses in one place, so you can see which clients have paid, which payments are pending and which are overdue.

Costs and expense documents

Collect invoices for fuel, tolls, servicing, repairs, leasing, insurance, parking, logistics services and external providers in one place, so costs are easier to organize, verify and send to accounting.

Driver and employee expenses

Manage route expenses, fuel receipts, parking fees, small repairs, travel costs and reimbursements without letting documents disappear in messages or return as month-end chaos.

Multiple companies, one account

Manage several transport companies, fleet entities, branches or business lines from one account. Switch between organizations in a few clicks and keep documents, invoices and financial data separated but easy to access.

Cash flow and analytics

See revenue, costs and overdue payments in one place, so you can monitor cash flow, understand operating costs and make decisions based on clearer financial data.

Export for accounting

Export documents and reports for accounting without chasing files across emails, driver messages, folders and route documentation. Keep month-end settlements cleaner and easier to close.

Explore each module

Start with the area that needs the most order - invoices, cost documents, driver expenses, payment statuses or analytics. Explore each module step by step and build a process that fits how your transport or freight business works.

What changes when transport finances are easier to manage?

From fuel, tolls and servicing to driver expenses, delayed payments and scattered route documents, transport finance can quickly become reactive. PaveNow helps replace manual chasing with clearer processes, better visibility and faster decisions.

Without PaveNow

Fuel, tolls, servicing and fleet costs put pressure on cash flow before client payments arrive.

Cost documents are scattered between drivers, the office, accounting, emails and route communication.

Profitability is harder to track when route costs, repairs and payment delays become visible too late.

Driver expenses, receipts and reimbursements return to the office as month-end chaos.

Financial decisions are often based on incomplete or delayed data, with too many things fixed at the last minute.

With PaveNow

Financing options can support liquidity, growth or operational costs when payment timing creates pressure.

Invoices, cost documents and payment statuses stay organized in one workspace.

You get better visibility over costs, overdue payments and cash flow trends.

Driver and employee expense settlement becomes simpler, clearer and easier to approve.

Clearer financial data helps you react earlier, reduce manual work and manage operations with more confidence.

Ready to manage transport finances with more confidence?

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