Financing and business loans - decisions on clear terms

When you need capital for growth, inventory, equipment, or taxes, the last thing you want is paperwork and weeks of waiting for a decision. PaveNow Financing gives you fast, transparent access to capital - designed for how SMEs actually operate, not for bank HQ spreadsheets.

You apply online on simple terms.
We present the conditions clearly - no fine print, no asterisks.

Choose a product that fits
your business situation

Whether you want to accelerate growth, cover taxes and social security on time, or simply bridge the gap while you wait for customer payments, PaveNow offers financing tailored to the specific situation your business is in.

Business growth financing

Capital for equipment, new locations, larger orders, or marketing - when you want to grow faster than your cash flow allows. Fast online decision, transparent terms, no bank jargon.

Up to:
PLN 1,000,000
Term:
3-12 months
Interest from:
16.5%
per year
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Get Started

Tax and ZUS loans

Funds for ZUS and taxes when deadlines are fixed but customer payments have not arrived yet. Apply online, get a quick review, and terms tailored to your situation - so you do not add more problems on top.

Up to:
PLN 100,000
Term:
30-90 days
Interest from:
12.5%
per month
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Get Started

Property-secured
business loan

Do you own a commercial unit, warehouse, or apartment used for your business and need capital to grow? A business loan secured by a mortgage lets you unlock up to 90% of the property value, with clear terms and a simple online process.

Up to:
PLN 4,000,000
Term:
6-24 months
Interest from:
1.5%
per month
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Get Started

From application to payout
in a few simple steps.

1. Tell us about your
situation

In a short form, you share basic company details, the amount you need, and the purpose of the financing. At this stage, you already see which options may fit.

2. Send your data and documents

You complete any missing information and upload the required financial documents - no printing, no paperwork binders. In most cases, it takes just a few minutes.

3. Receive a 
financing proposal

We present the terms in a clear,
easy-to-read format - no fine print, no asterisks. You get a concrete
offer with costs explained
upfront.

4. Sign the agreement 
and access the capital

Once you accept the terms, you sign the agreement online. We transfer
the funds to your business account
so you can act on your financing
goal right away.

Add fuel to your business,
not more paperwork.

PaveNow Financing helps you fund growth when time and clear terms matter. And when you pair it with PaveNow CFO Suite, you can track how that capital is working in real time - with visibility into costs, payments, cash flow, and repayment deadlines. Automation keeps everything in order so your decisions are based on data, not guesswork.

Have questions about financing?
Here are the answers.

Which businesses can apply for financing with PaveNow?

We work mainly with small and medium-sized businesses in Poland: sole proprietorships, limited liability companies, and joint-stock companies. What matters is that your business is actively operating and generating revenue - we are not a fund for idea-stage projects, but a partner for businesses already in motion.

What are the basic requirements to get financing?

We look beyond traditional banks. We care about how your business actually operates and what your cash flow looks like, not just a rigid score. In general, we require that your business has been operating for at least a few months and has documented revenue.

How long does it take to get a loan decision?

In typical cases, the decision is usually made within 24 hours once we have a complete set of documents. For more complex cases, the process may take longer, but we keep you updated at every step.

Do I need CFO Suite to get financing?

No. You can use only financing, only automation, or both together. The products are independent, and we clearly tell you what data is required for a specific application.

Can I repay financing early?

In many cases, early repayment is possible. We explain the settlement rules clearly in the agreement, so you know your options from the start.