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Automate your finances & access capital to scale
Stop putting out fires with paperwork and waiting on late payments. PaveNow gives you intelligent tools for financial control AND fast access to cash for growth, investments, or taxes.
You're running a business. That means fighting a two-front war.
On one front: the daily chaos. Stacks of invoices, chasing late payments, and a cash flow you can only guess at. On the other: the pressure to grow. Needing capital for new inventory, investing in your team, and hitting ambitious targets.
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At PaveNow, we believe you shouldn't have to choose
Most SMEs are forced to choose between better financial control and access to capital. We built one platform that solves both. We give you the tools for day to day control and the capital for sustainable growth.
Full Financial Control - PaveNow CFO Suite
Take control of your finances with smart automation. Reclaim your time and make decisions based on data, not guesses.
On-Demand Capital - PaveNow Financing
Get fast, fair access to funding when you need it. For growth, for investments, or even for taxes. No bank jargon, no piles of paper, just a clear decision and transparent costs.
We speak your language. We understand your business.
Whether you're a one-person army or a fast-growing team, PaveNow is built for you.
PaveNow Automation Platform
Manage invoices, pay bills, and analyze cash flow from your desktop or mobile app. Our smart OCR reads your invoices for you - just snap a photo with your phone. It's your new financial assistant, automated.
Invoices and payments
Create and send professional invoices in seconds, track who has paid, and automate polite reminders for overdue invoices.
Bills and expenses
Record supplier bills, capture receipts with OCR, and route costs through simple approval workflows so nothing gets lost.
Employee expense claims
Let employees submit expenses on the go. Approve them based on predefined roles and keep full control of team spending.
PaveNow Financing
When you need capital, you should not have to fight with bank paperwork. PaveNow Financing gives you fast, transparent funding options tailored to how SMEs really work.
Business growth loan
Cash for new equipment, inventory, or marketing. Fast, non bank financing with minimal paperwork and an online decision.
Tax and ZUS loan
A dedicated loan to cover tax or ZUS obligations on time, so you can breathe easier and focus on running your business.
Invoice financing
Get paid earlier on selected invoices. Improve your cash flow without taking on long term debt.
Everything you need to grow - in your office or in your pocket.
From smart financial management to on-demand capital, this is your complete growth platform. Discover the tools that give you control, whether you're at your desk or on the go.
For the Growing Company
Your Pain: You are juggling team management, sales, and putting out financial fires. Different people use different tools, spreadsheets are breaking, and you do not have a clear, real time view of cash flow. (PL: Banks are slow when you need capital.)
For the Sole Trader / Freelancer
Your Pain: You're the CEO, salesperson, and accountant. Every minute spent on paperwork is a minute you cannot bill. Deadlines are a constant source of background stress.
For the Startup Founder
Your Pain: You're growing fast and burning cash. You need hard data for investors, scalable processes, and maximum focus on your product, not on admin work.
Finance without the jargon. Partnership without the suit.
We believe talking about money should be simple, honest, and supportive. That’s how we work.
We speak human
We translate complex finance into simple, actionable insights. No 'synergies' or 'optimizations' here. Just clear-cut tools that save you time.
We know your reality
We're entrepreneurs, too. We understand the late-night stress, the cash flow crunch, and the constant fire-fighting. We built the tool we always wished we had.
We give you control
Our goal isn't just to 'advise.' We give you practical tools (PL: and capital) that put you back in the driver's seat. You’re in charge - we just provide an updated GPS and a full tank of gas.
Your trust is our foundation. Your security is our priority.
We’re not just another tech app. We are a financial institution you can rely on, backed by the stability and security of a real bank.
Bank-Level Security
We have ownership in Signet Bank, one of the first independent banks in the Baltics, and work with Magnetiq Bank, an EU licensed bank. We use the same banking infrastructure, advanced bank level encryption, and full GDPR compliance to protect your most sensitive data.
Fully Licensed & Supervised
We are a supervised institution by the KNF (Polish Financial Supervision Authority). Furthermore, our strategic partnership with Magnetiq Bank, a licensed EU Banking-as-a-Service (BaaS) platform, keeps us inside clear EU banking rules and oversight.
What This Means For You
You get the speed and innovation of a fintech, with the security and stability of a bank. You can focus on running and growing your business, knowing your finances and data sit on a fully supervised, bank grade foundation.
Our Customers
Built for SMEs. Loved by SMEs.
You don't have to take our word for it. Hear directly from business owners who are saving time and growing faster with PaveNow.
We’re not just another tech app. We are a financial institution you can rely on, backed by the stability and security of a real bank.
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John Carter
@johncarter
We’re not just another tech app. We are a financial institution you can rely on, backed by the stability and security of a real bank.
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Sophie Moore
@sophiemoore
Ready to stop fighting fires and start growing?
Take control of your finances.
Focus on what matters most. Get started with PaveNow today.
FAQ’s
Have questions? We have answers.
1. How much does PaveNow CFO Suite cost?
We use a transparent SaaS subscription model. No hidden fees. You can see all our plans on our [Pricing] page.
2. Does PaveNow include mobile application finance management?
Yes. The full mobile app (iOS & Android) is included in every plan. We want you to have control of your finances anywhere.
3. Does PaveNow replace my accountant?
No, we make your accountant's life easier! PaveNow is for managing your day-to-day finances (cash flow, payments). We provide clean, organized data for your accountant to handle taxes and official bookkeeping.
4. (PL Only) Do I need the CFO Suite to get a loan?
No, our products are independent. You can use our software, our financing, or both. We believe they work best together, but the choice is always yours.
5. How is PaveNow different from my regular banking app?
Your banking app shows you what happened. PaveNow helps you manage what's next. We focus on automating your invoices, managing future bills, and giving you real-time analysis of your cash flow - all things your bank doesn't do.
6. I'm a sole trader. Isn't PaveNow too complicated for me?
Not at all. PaveNow was built for time-poor entrepreneurs, not just finance experts. You can start simple by just using our mobile app to snap photos of invoices. It's designed to be intuitive and save you time, regardless of your company size.
7. How long does onboarding to PaveNow takes?
You can set up your account in minutes. Our goal is for you to automate your first invoice the same day you sign up.
8. (PL) What are the basic requirements for a PaveNow loan?
We are more flexible than traditional banks. We look at your real business performance and cash flow, not just rigid credit scoring. The only requirement we have is to run your business at least 6 months.