Probably like the bank,
just convenient and fast

We have been creating easily accessible and intuitive financing for the SME sector for almost 30 years. We are a fintech! We give entrepreneurs constant access to money, thanks to which they can run their business stably and with peace of mind.

Money that fuels your business

For 30 years, we have been creating easily accessible and intuitive financing for the SME sector. We give entrepreneurs constant access to money, allowing them to run their businesses stably and with peace of mind. We are a market leader in digital factoring and innovative B2B embedded finance, based on deep technological integration with our partners’ systems. We operate in Poland, Romania, Spain, and Croatia, and we will soon be expanding into other European markets as well.

PragmaGO Group in numbers (data for 2025)

0 mld PLN

turnover (+29% y/y)

0 mld PLN

turnover in the field of factoring products (+19% y/y)

750000

Financed
transactions (+64% y/y)

600 mln PLN

turnover in the field of embedded finance (+66% y/y)

Get to know the PragmaGO Group

Continuous growth, accurate business decisions, acquisitions and investments in other companies – this is how we built our success. Since 2016, we have been pursuing an online strategy. Our forty-person team of developers and UX/UI specialists (PragmaGO.tech) creates proprietary technology solutions that guarantee cyber security. We offer digital factoring and innovative embedded finance B2B. These are services embedded in a partner’s environment (e.g., marketplace platforms). These include Merchant Cash Advance and BNPL B2B.

We guarantee security of financing even for large projects. We maintain high asset liquidity and equity levels, with low debt ratios. We have our own automated scoring algorithms built on years of experience working with SMEs. Our business model is easily scalable and efficient.

We level the playing field for SMEs in accessing working capital and support their competitiveness.

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Get to know the PragmaGO Group

Continuous development, bold and successful business decisions, acquisitions and investments in other companies – this is how we built our success. Since 2016, we have been pursuing an online strategy, leveling the playing field for small businesses in accessing working capital. Our team of developers and UX/UI specialists (PragmaGO.tech) creates custom technology solutions. We make sure to diversify our portfolio and offerings – from factoring to innovative embedded finance for business. We target customers with low credit risk. We maintain high asset liquidity and equity levels, with low debt ratios. We guarantee the security of financing even large projects in partnership.

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Since 2011, PragmaGO SA has been issuing bonds listed on the Catalyst market.

We obtain funds from the European Bank for Reconstruction and Development.

Our strategic investor is Enterprise Investors.

We are in the Financial Times 1000: Europe’s Fastest-Growing Companies 2026

Selected financial data

	2019	2020	2021	2022	2023	2024	2025
Value of financed receivables (kpln)	588 481	663 772	1 032 968	1 630 164	1 853 873	2 430 230	3 131 409
Number of active customers	1 637	2 053	8 628	13 340	16 664	21 415	26 297
Net sales revenue (kpln)	24 136	25 795	37 152	54 441	77 920	112 997	179 176
Operating result (kpln)	3 980	4 429	10 636	20 450	31 774	52 268	80 480
Net result (kpln)	6 878	516	3 561	6 124	6 964	11 082	22 814
Equity (kpln)	45 175	34 727	70 247	107 390	112 919	143 588	175 167
Assets (kpln)	120 253	128 746	182 567	258 945	360 035	560 053	774 493

PragmaGO SA on Catalyst

PragmaGO SA has been an issuer of bonds listed on the Catalyst market since 2011. The Company has issued a total of 39 series of bonds in the nominal amount of PLN 797.6 million and 2 series of bonds in Euro currency in the amount of EUR 8.5 million. All issues were fully subscribed.

32 series of bonds in the total amount of PLN 457.6 million have been repaid in cash on or before the due date without prolongation. At present, PragmaGO SA’s total bond debt amounts to PLN 340.0 million and EUR 5.0 million.

As of 31.10.2026, PragmaGO S.A. has paid its bond investors over PLN 145.1 million in interest and premiums.

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