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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.
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.
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.
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.
We review the purpose of financing, financial data, cash flows, documents and repayment capacity. This allows us to assess which solution best fits your situation and what terms we can offer.
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.
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.
Capital in a business is rarely needed “for everything”. Most often, it is needed for a specific moment: a larger order, a delayed payment, an investment or a cost that should not be postponed. With PaveNow, you can match financing to the purpose that actually affects your company’s growth or liquidity.
Finance inventory, materials needed to complete an order or a larger request from a client.
Get funds for equipment, tools or fittings that help increase your company’s operational capacity.
Cover the costs of completing an order before your contractor pays the invoice or the next stages of cooperation.
Maintain financial stability when costs appear earlier than payments from clients.
Finance activities that help you acquire new clients and scale your business.
Settle short-term public liabilities when they block further business decisions or financing discussions.
At PaveNow, we do not make empty promises or reduce every company to a single form. We look at the real situation of the business: revenue, cash flows, the purpose of financing and documents that show how the company can repay the obligation. This allows you to receive a proposal matched to a specific need.
We do not ask for documents “just in case”. We focus on information that helps us assess the company’s situation, repayment capacity and the best form of financing. As a result, the process is specific and the conversation is based on real possibilities from the start.
Financing a contract is different from a growth loan, and a larger loan secured by real estate is different again. That is why we first check why the company needs capital, and only then propose a solution.
We use dedicated analytical infrastructure that helps us organize data and assess the application faster. For you, this means a smoother process, less unnecessary delay and a decision based on specific information.
Before signing the agreement, you receive the financing terms for approval: amount, period, cost, repayment rules and required collateral, if needed. We do not leave key information until the final stage of the process.
Business financing should be matched to the real situation of the company. That is why we show from the start when it is worth submitting an application and which conditions usually matter in the analysis.
Each application is analyzed individually. The amount, period and terms of financing depend on the company’s situation, the purpose of financing and data that confirms repayment capacity.
We check how long the company has been operating and whether its situation allows us to assess business stability.
We analyze account inflows, seasonality, revenue regularity and current liquidity.
We take into account the company’s existing obligations, including installments, liabilities towards contractors and public liabilities.
Capital for growth, contract financing and short-term liquidity are analyzed differently.
Payment history, repayment regularity and the way the company settles its obligations are important.
If financing is based on an invoice, contract or confirmed inflows, we analyze documents that show the source of repayment.
For higher amounts or selected products, we may require collateral, e.g. real estate, a surety or other agreed forms of security.
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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.
PaveNow financing is available to companies that have been operating for at least 6 months, have revenue or documented cash flows and need capital for a business-related purpose. Each application is analyzed individually.
You can receive a decision even within 24h after providing a complete set of data and documents needed for the analysis. The timing depends on the type of financing, the completeness of the application and the specifics of the company’s situation.
Yes, you can submit the application online. Depending on the product and your company’s situation, we may ask for additional documents or information that allow us to assess financing options reliably.
It depends on the purpose and selected financing product. A growth loan can help finance company development, equipment purchase, inventory, marketing, hiring or taking on larger orders. A contract loan works well when you want to finance an invoice or contract delivery before receiving payment from the contractor. A loan secured by real estate can be a solution for a larger investment or a need for higher capital. A bridge loan is used to temporarily settle liabilities towards ZUS or the tax office.
The amount depends, among other things, on business history, revenue, cash flows, current liabilities, the purpose of financing, documents confirming future inflows and collateral, if required.
It depends on the product, amount and the company’s situation. For selected forms of financing, collateral may be required, for example for higher amounts or a loan secured by real estate.
If you need funds to repay overdue ZUS or tax liabilities, you can apply for a bridge loan of up to PLN 100,000. This product is designed to help businesses settle public liabilities in the short term.
If you are applying for another type of financing, such as a growth loan, B2B factoring or a loan secured by real estate, active arrears towards ZUS or the tax office may prevent you from obtaining financing. In this case, it is worth settling public liabilities first and then returning to the discussion about larger capital.
No. Financing and CFO Suite are independent solutions. You can use financing only, the app only, or combine both solutions if you want to access capital and better control invoices, costs, payments and cash flow at the same time.
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