Apply Now
We finance single invoices and full B2B contracts. One fixed monthly rate covers everything - no separate interest calculations, no extra fees, no early repayment penalties.
We finance what you can back up with documents - a single invoice or an assignment of receivables from a multi invoice contract. Some people call the second option a “contract loan” - for us, it is simply contract based factoring.
You have issued an invoice with a deferred payment term and you need cash earlier. You upload the invoice, we confirm the assignment with your counterparty, and we pay out the advance within 24 hours. Repayment happens from your counterparty’s payment.
Best for: transport, wholesale, B2B trade - where invoices are single and varied
You have signed a long term contract (for example construction, a staffing agency, outsourcing). We assign receivables from the agreement and finance all invoices coming from that contract - including invoices that have not been issued yet.
Best for: construction, staffing agencies, outsourcing - where revenue comes from one staged contract or monthly settlements.
All costs are included in one monthly rate. No separate interest calculations, no extra fees.
The calculator shows indicative values. We confirm the exact advance and fee after assessing your counterparty risk and your company scoring. For new counterparties or weaker scoring, the minimum advance is 70% of the gross value.
Three things no other online factor in Poland delivers at the same time.
In Poland, factoring pricing is usually split into multiple components: a limit fee, a financing fee, daily interest. Large factors rarely show one clear number.
With us, one number - 1.2% or 1.9% per month - covers everything. No separate interest. No extra fees. No early repayment penalty.
Invoice factoring is common. Financing an entire contract - multiple invoices from one agreement, including invoices that have not been issued yet - almost nobody offers in this model.
Same agreement, same rate. You pick the scenario, the system matches the mechanics - once the contract is set up, it keeps working for you for the whole term, without reapplying for every invoice.
Factoring is a point in time. CFO Suite is continuity - all your sales invoices, cost documents and cash flow in one place, ready for KSeF.
That is why CFO Suite users pay less: 1.2% instead of 1.9%. We have better data to price risk - lower risk means a lower rate. It is not a promo - it is math.
Explore CFO Suite →Comparison based on publicly available market information.
This comparison was prepared based on publicly available market information. Status: April 2026. Specific terms offered by other providers may differ depending on the individual offer.
Everything online - the application takes about 4 minutes. No branch visit, no paper documents.
You provide basic company and personal details and give the required consents.
For an invoice - upload the invoice PDF (or issue it in PaveNow) and the agreement with your counterparty.
For a contract - upload the signed agreement and the invoicing schedule.
The system automatically pulls counterparty data from official registers.
You log in to your business banking via Kontomatik. It takes about a minute. We analyse 6 to 12 months of account history to assess your company.
We send an assignment notice to your counterparty. The counterparty confirms receipt and accepts the assignment - this step is mandatory. Without confirmation, we do not pay out the advance. Usually up to 48 hours.
If your agreement contains an assignment ban, we help you get consent - we provide ready templates and show you how to use them.
Download the guide and templates →
Once the assignment is confirmed, we pay out the advance (up to 100% of the invoice net value) to your business account. VAT is settled after the counterparty pays, reduced by the fee for the actual financing period.
Application takes about 4 minutes - no commitment.
A simple list of criteria and documents. No business plan, no 2 year financial statements.
We finance both single transactions and multi month contracts. These are the industries we see most often.
Pay fuel, leasing and driver wages on time. Long payment terms - often 60 to 90 days - do not have to block your fleet. We finance single transport invoices and ongoing contracts with large shippers.
Assignment of receivables from an execution contract is our speciality. We finance in stages, matching the financing term to the payment schedule from the developer or investor. You do not have to wait for an acceptance milestone to start the next stage.
Regular monthly invoicing to large corporate clients with 45 to 60 day terms. Assignment from a service contract gives you steady access to capital throughout the agreement term.
Use cash to negotiate better supplier pricing and improve margin. Single sales invoices to repeat buyers - fast decision, fast payout.
Factoring in Poland requires an assignment of receivables from your agreement with the counterparty to the factor. That is the legal mechanism - there is no workaround. With us it is transparent - we always inform your counterparty and wait for confirmation. We do not offer silent factoring.
If the contract includes an assignment ban clause, we need written consent from the counterparty. We provide ready templates and help you run the process end to end.
We send a standard notice. From the counterparty’s perspective - instead of paying your account, they pay PaveNow’s account. Other contract terms stay the same.
We have prepared a practical guide with ready templates - consent to assignment, an explanatory letter for your counterparty’s CFO, and clauses for new contracts. These are mechanisms that actually work in real conversations with Polish businesses.
Read the guide →Behind PaveNow is the infrastructure of licensed European banks. This is not a cloud fintech - it is a platform built on banking foundations.
One of the first independent banks in the Baltics. It provides real capital and operational backing that our platform is built on.
An EU-licensed bank and a Banking-as-a-Service platform. Security procedures, encryption and AML standards are the same as in institutions handling billions of euros in assets.
The application takes about 4 minutes. Everything online, no branch visit. Decision in 24 hours.
The 1.2% rate is for active CFO Suite users with at least a 3 month history in the system.
Did not find your answer? Email us: finansowanie@pavenow.io
It depends on the alternative. A bank loan is cheaper (from 0.5% per month), but you will wait 6 to 8 weeks for a decision, you need credit capacity and often hard collateral. Our factoring - decision in 24 hours, the collateral is the receivable itself, with no additional hard security.
The 1.2% monthly rate (for CFO Suite users) is below market average - most online factors in Poland end up at 1.5% to 2.5% per month once all fees are included.
Invoice financing applies to one already issued invoice - you upload it, you receive an advance, we settle after your counterparty pays. Contract financing (sometimes called a contract loan) is an assignment of receivables from the whole agreement - it covers all invoices under the contract, including invoices that have not been issued yet.
The legal mechanics are the same - transparent assignment, with recourse. Each financing has a fixed term - it is not a revolving credit line or an overdraft.
No. Each transaction is a separate payout for a fixed period, repaid from the counterparty’s payment. We do not grant a revolving limit that you can reuse on your own. That also means there are no unused limit fees - because there is no limit.
We check BIK and BIG as part of scoring - like any financial institution offering business financing. A BIK inquiry is a standard part of the approval process.
If repayments are made on time, factoring is not reported to BIK as a credit obligation - it is not a loan, but a purchase of receivables.
If repayments are delayed (after the 15 day grace period), we report the arrears to BIK and KRD in line with regulations. That is why timeliness matters - it affects both our cooperation and your market credit capacity.
The 1.2% rate is available to active PaveNow CFO Suite users who have run full sales invoicing and cost management in the system for at least 3 months before applying. This lets us confirm the system is actually used end to end, not just occasionally.
Active CFO Suite usage must continue throughout the financing term. If you stop using CFO Suite during financing - ongoing financings keep the 1.2% rate until the end (no penalty), but new financings go back to 1.9%.
Because the preferential rate relies on that. We know your real cash flow, counterparty payment behaviour and DSO - that lets us price risk more accurately than competitors. Without at least 3 months of complete history, we cannot be confident the data is complete.
Yes. We only offer transparent factoring - we always send an assignment notice to the counterparty. We do not offer silent factoring. This is the market standard for licensed factoring institutions in Poland.
Our product is with recourse. After a 15 day grace period from the due date, you repay the advance plus penalty interest and you pursue the receivable from the counterparty yourself. In practice - we handle first reminders during those 15 days, but counterparty insolvency risk remains on your side.
If the arrears are not settled after the grace period, we report them to BIK and KRD under regulations. We recommend financing only those transactions where you are confident the payment will be made on time.
Yes. We do not charge penalties for early repayment. The fee is charged for the actual financing period, not the period you originally declared.
Example - if financing was set for 3 months but the counterparty paid in 2 months, you pay the fee only for 2 months. We settle this in the second tranche (VAT amount) and refund the overpaid portion of the fee.
Settlement is split into two tranches - this is standard in Polish factoring:
First tranche (immediate payout): up to 100% of the invoice net value, reduced by the fee for the declared financing period. It lands in your account within 24 hours after assignment confirmation. For new counterparties or weaker scoring, the minimum is 70% of the gross value.
Second tranche (after counterparty payment): equal to the VAT amount from the invoice. If financing lasted shorter than declared, we also refund the overpaid portion of the fee in the second tranche.
You will see the exact amount in the offer before signing.
Minimum - PLN 50,000. Maximum - PLN 2,000,000. If your invoice is below PLN 50,000, consider other products (for example our bridge loan from PLN 5,000). If it is above PLN 2,000,000 - contact us. We have non standard options for long term CFO Suite clients.
We help you get counterparty consent. We provide ready templates - consent form, an explanatory letter for the counterparty CFO, clauses for new agreements - plus guidance on how to use them effectively. If the counterparty still refuses, we will propose an alternative product (for example a business loan).
For a single invoice - up to 24 hours after uploading documents (assuming quick assignment confirmation from the counterparty).
For a contract - up to 48 hours due to additional analysis of the invoicing schedule.
The main delay is usually on the counterparty side (assignment confirmation).
Not at the time of application. ZUS or tax arrears are a red flag - Kontomatik bank statement analysis will pick them up in the first minute. If you have current arrears, consider our bridge loan first (a product designed specifically for settling public liabilities), then come back to factoring.
We pull data from registers (KRS, CEIDG, BIG InfoMonitor), check payment history toward you (Kontomatik shows whether this counterparty has paid you reliably in the past), and use industry benchmarks. The better the history, the higher the advance and the lower the rate. For new counterparties with no history, the advance may be lower.
From 1 February 2026 KSeF became mandatory for large companies, and from 1 April for smaller ones. PaveNow CFO Suite is already architecturally prepared for KSeF. In Q3 2026 we will launch native factoring based on KSeF data - automatic invoice authenticity checks, cross matching with counterparty history, and credit decisions in minutes.
Why not earlier? Because by Q3 2026 there will be enough historical KSeF data to price risk reliably. We do not want to sell “KSeF readiness” as a marketing promise. We want to ship a working product when the data actually has value.
No. PaveNow is not a bank. We operate as a financial platform in partnership with licensed EU banks - Signet Bank and Magnetiq Bank. This gives our clients a modern, digital PaveNow process built on the infrastructure and security standards of regulated institutions.
Our loans are designed to meet the specific needs of Polish entrepreneurs, with fast and transparent processes for each of them.