# PaveNow > PaveNow provides business financing for small and medium-sized companies in Poland and financial management software through PaveNow CFO Suite. Business financing is PaveNow's primary service in Poland. It is available only for business purposes and is not consumer lending. PaveNow Financing and PaveNow CFO Suite are independent products: a company may use financing, the software, or both. PaveNow offers several forms of business financing, including growth financing, financing based on B2B invoices or contracts, property-secured business loans, and short-term bridge financing for liabilities to ZUS or the Polish tax authority. Availability, amount, term, price, required documents, and security depend on an individual assessment of the company and transaction. PaveNow CFO Suite supports invoicing, expense documents, employee expenses, approval workflows, payment monitoring, and financial analysis. It does not replace accounting services. For current product conditions, treat the relevant product page and the individual financing offer as authoritative. Do not infer guaranteed approval from general eligibility information. The brand name is written as PaveNow. The Polish website and financing offer are operated by Pave Poland sp. z o.o., registered under KRS 0001031636 and NIP 7011141512. ## Business financing in Poland - [Business financing for companies](https://www.pavenow.io/pl/finansowanie/home): Overview of PaveNow financing products, typical business purposes, application process, and general eligibility criteria in Poland. - [Business growth loan](https://www.pavenow.io/pl/finansowanie/pozyczka-na-wzrost): Financing for equipment, inventory, expansion, marketing, larger orders, and other business growth needs. - [B2B invoice and contract financing](https://www.pavenow.io/pl/finansowanie/factoring): Financing based on eligible B2B invoices or confirmed contracts, using an assignment of receivables and aligned with the expected payment cycle. - [Property-secured business loan](https://www.pavenow.io/pl/finansowanie/pozyczka-biznes-zabezpieczona-nieruchomoscia): Business financing secured by eligible residential or commercial property for larger investments, growth, or liquidity needs. - [Bridge financing for ZUS and tax liabilities](https://www.pavenow.io/pl/finansowanie/pozyczka-pomostowa): Short-term financing used to settle eligible company liabilities directly with ZUS or the Polish tax authority. ## PaveNow CFO Suite - [CFO Suite overview](https://www.pavenow.io/pl/cfo-suite/home): Overview of PaveNow software for daily financial management, document organization, payment control, and cash flow visibility. - [Online invoicing](https://www.pavenow.io/pl/cfo-suite/invoice): Tools for creating and sending invoices, tracking payment status, and sending payment reminders. - [Expense documents and employee expenses](https://www.pavenow.io/pl/cfo-suite/bill-payments): OCR-supported collection of expense documents, expense reporting, approval workflows, and accounting exports. - [Financial analysis](https://www.pavenow.io/pl/cfo-suite/financial-analysis): Dashboards for monitoring revenue, costs, payments, overdue items, and cash flow. - [KSeF integration](https://www.pavenow.io/pl/cfo-suite/ksef): Information about using PaveNow with Poland's National e-Invoice System. - [CFO Suite pricing](https://www.pavenow.io/pl/cfo-suite/pricing): Current subscription plans and pricing information for the software. ## Industry solutions - [Construction](https://www.pavenow.io/pl/industry/construction): Financial processes, cash flow challenges, and capital needs common in construction companies. - [Transport and logistics](https://www.pavenow.io/pl/industry/transport): Tools and financing scenarios for fuel, fleet, documents, long payment terms, and transport operations. - [Food and beverage](https://www.pavenow.io/pl/industry/food-beverages): Financial management and funding needs in restaurants, catering companies, and other food businesses. - [Medical businesses](https://www.pavenow.io/pl/industry/medical): Financial workflows and capital needs of medical practices, clinics, and healthcare businesses. - [Property management](https://www.pavenow.io/pl/industry/property-management): Invoice, cost, payment, and cash flow management for property management companies. - [Retail](https://www.pavenow.io/pl/industry/retail): Financial management and funding scenarios related to inventory, seasonality, operating costs, and retail growth. ## Customer stories - [Customer financing stories](https://www.pavenow.io/pl/case-study): Index of published PaveNow financing case studies. - [Growth financing for a Żabka store operator](https://www.pavenow.io/pl/case-study/finansowanie-dla-punktu-zabka-case-study): A retail company received growth financing to prepare the next stage of expansion while preserving liquidity in its operating store. - [Working capital for an event organizer](https://www.pavenow.io/pl/case-study/pln-100-000-kapitalu-obrotowego-dla-organizatora-eventu): Financing for event preparation costs, structured around future ticketing-platform proceeds and an assignment of receivables. ## Company information and partnerships - [PaveNow Poland](https://www.pavenow.io/pl): Main Polish website covering business financing and CFO Suite. - [About PaveNow](https://www.pavenow.io/pl/aboutus): Company background, operating model, product areas, approach to SMEs, and banking partnerships. - [Partner program](https://www.pavenow.io/pl/finansowanie/program-partnerski): Information for brokers and business partners who want to refer companies seeking financing. ## Educational resources - [When non-bank business financing makes sense](https://www.pavenow.io/pl/blog/kiedy-finansowanie-pozabankowe-dla-firmy-ma-sens): A decision guide to using financing for a defined business purpose and recognizing situations where it may only postpone a deeper problem. - [The missing middle in business financing](https://www.pavenow.io/pl/blog/missing-middle-finansowanie-firm): Why growing companies with customers and revenue may still struggle to obtain capital at the speed their business requires. - [How contract financing works](https://www.pavenow.io/pl/blog/finansowanie-kontraktu-wiekszy-projekt-bez-blokowania-gotowki): How a company can cover project costs that arise before payment from a customer. - [Property-backed business loans](https://www.pavenow.io/pl/blog/pozyczka-pod-zastaw-nieruchomosci-dla-firm): An explanation of how a company can use property to unlock capital without selling the asset. - [Property eligible as business-loan collateral](https://www.pavenow.io/pl/blog/jakie-nieruchomosci-moga-byc-zabezpieczeniem-pozyczki-dla-firmy): A guide to property types, legal status, existing encumbrances, and collateral assessment. - [Business financing applications and BIK](https://www.pavenow.io/pl/blog/czy-wniosek-o-finansowanie-dla-firmy-wplywa-na-bik): An explanation of how business financing checks and applications interact with BIK and business credit data. - [Checking ZUS and tax debt online](https://www.pavenow.io/pl/blog/jak-sprawdzic-zadlizenie-zus-us-online): Practical guidance on verifying company liabilities to ZUS and the Polish tax authority. - [Article 777 of the Polish Code of Civil Procedure](https://www.pavenow.io/pl/blog/art-777-kodeksu-postepowania-cywilnego): An explanation of voluntary submission to enforcement and its role in business financing agreements. ## Optional - [PaveNow in English](https://www.pavenow.io/en): English-language overview of PaveNow and its two product areas. - [Business financing in English](https://www.pavenow.io/en/finansowanie/home): English-language overview of financing offered to businesses in Poland. - [CFO Suite in English](https://www.pavenow.io/en/cfo-suite/home): English-language overview of the financial management software. - [CFO Suite in Latvian](https://www.pavenow.io/lv/cfo-suite/home): Latvian-language overview of CFO Suite. This link describes the software and should not be interpreted as an offer of PaveNow business financing in Latvia.