Long payment periods do not have to limit you
Gain immediate funding factoring service.
See also
Customers do not pay?
ORDER DEBT COLLECTION
Do you want to purchase equipment
USE LEASING

Factoring

At PRAGMA, we listen carefully to all enterprises in order to suggest tailored factoring solutions.

Choose according to your needs

Choose according to your needs

Select one of the factoring variants. For small enterprises we have prepared a dedicated MICROfactoring offer.
Benefit from your potential!

Benefit from your potential!

You don’t have to waste your valuable resources on negotiating payment terms any more.
Obtain working capital

Obtain working capital

Which is essential for the stability of your operations and for maintaining liquidity.
Improve the credit capacity of your company

Improve the credit capacity of your company

Don’t be afraid to reach for additional financing sources for your business.

How to improve cash flow with use of factoring?

Factoring

Universal financing tool ensuring immediate receipt of cash towards services performed or goods sold. No waiting, no uncertainty, no risk. Instead of funds frozen in invoices, you receive cash on your account, which will actively work for the development of your company. We are convinced you have plenty of ideas how to invest these funds. Factoring is also offered for foreign customers belonging to EU. This service is very similar to an overdraft towards balance of receivables – continuous financing of receivables within predetermined limits. This tool is readily used by small and medium-sized companies. Ensure flexibility in liquidity management for your company and prompt repayments of your receivables towards issued invoices at the same time.

Micro factoring

This option works best for micro enterprises with a turnover up to approx. three million zloty. Use the full package of factoring benefits based on pre-defined principles of mutual settlements. You will pay a transparently calculated lump-sum fee for the realisation of the service (although you may also choose a traditional form of settlement, as for the other factoring services). This will enable you to plan your settlements with PRAGMA in advance and to maintain full control of the costs.Synergy of simple rules for transparent co-operation.

Invoice buy back

Intended to finance single debts. It can be changed, any time, into continuous recurring financing.

Reverse factoring

This is a perfect method of financing for entrepreneurs in situations when supplier expect quick settlement of liabilities and the company has to wait for a long time for payment for goods delivered. Such logistic chain of dependencies generates a gap in working capital, which results in the deficit of funds for further orders. In reverse factoring, PRAGMA settles your liabilities towards suppliers in the required period. This will give you not only the necessary liquidity, but also a strong position to negotiate trade conditions.

Other services

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Discounting promissory notes

Financing promissory note receivables, i.e. receivables that are detached from business events, is a way to support and supplement the financing in the supplier-customer-recipient chain of transactions. It enables fast access to financing, even if the given receivable does not meet the criteria required by the factoring company. A promissory note may also be a tool that allows for the settlement of past-due receivables or a form of advance payment for goods and services.

Advance payment

It is a form of additional financing that supports the entrepreneurs when they have an opportunity to realise a large, profitable order or contract, whose scale and level of costs consumed requires large involvement already on the initial stage of realisation or when they encounter unforeseen expenses connected with the core activity profile. An advance payment combines the elements of reverse factoring, loan and traditional factoring. Financing starts immediately upon concluding the agreement with the Factor or at any moment during the period of such agreement, and the advance payment itself is settled by presenting invoices submitted under the factoring agreement. This is also a solution dedicated to the payments under a valid factoring agreement, so that the customer may change the factoring entity without removing the funds from its operations. The whole process, including legal support, is managed by Pragma.

Loan

Short-term loans for activities connected with the core profile of the company are commonly used as a bridge solution until final bank financing is obtained. Receivables are usually used as collaterals, but it is possible to use other forms of security suggested by customers.

SENDING DOCUMENTS TO THE ADVISER
SENDING DOCUMENTS TO THE ADVISER

Sending financial documents and agreement, invoice and acknowledgements of receipt to the Adviser.

PRESENTING THE OFFER BY PRAGMA
PRESENTING THE OFFER BY PRAGMA

You receive information on the offer and you then decide if you notify the customer about factoring for that invoice.

NOTIFYING THE CUSTOMER ABOUT RECOURSE FACTORING
NOTIFYING THE CUSTOMER ABOUT RECOURSE FACTORING

Confirmation of the invoice compliance with the customer.

SUBMITTING DOCUMENTS TO THE ADVISOR
SUBMITTING DOCUMENTS TO THE ADVISOR

Providing the Advisor with financial documents and information on the proposed recipients for the purposes of the factoring agreement.

PRESENTING THE OFFER BY PRAGMA
PRESENTING THE OFFER BY PRAGMA

You receive initial information on the available offer and you decide whether you wish to provide us with more detailed information.

COMPLETING THE FACTORING APPLICATION FORM
COMPLETING THE FACTORING APPLICATION FORM

Completing the factoring application form and submitting the documents for the Loan Committee.

DECISION OF THE LOAN COMMITTEE
DECISION OF THE LOAN COMMITTEE

Decision of the Loan Committee and signing the agreement.

SUBMITTING THE ASSIGNMENT TO RECIPIENTS
SUBMITTING THE ASSIGNMENT TO RECIPIENTS

Sending the assignment to recipients and start of financing.

Would you like to test factoring?

We could spend hours telling you about the advantages of factoring. But let’s get down to business. Find out for yourself, how factoring can improve current cash flow, by positively influencing the standing of your business.
Test PRAGMA’s showcase service. One time, without any obligations or risk. Verify the advantages that enable thousands of Polish companies to build competitive advantage.

Customers demand long periods of payment?
Customers demand long periods of payment?
Customers do not pay?
Customers do not pay?
Do you want to purchase equipment?
Do you want to purchase equipment?