In the first three quarters of 2026, the PragmaGO Group financed receivables totaling 2.6 billion PLN. During that time, it provided 720,582 financing arrangements, which is 22% more than in the same period of the previous year. More than 22,000 companies took advantage of the Group’s services.
B2B embedded finance is experiencing the most dynamic growth. Financing provided through Merchant Cash Advance and Buy Now, Pay Later products reached PLN 818.5 million—a 32% increase year-over-year. Products in this segment accounted for over 30% of the total value of financing provided by the Group.
PragmaGO is developing embedded finance in collaboration with partners in Poland, Spain, and Romania. These partners include Glovo, Polskie ePłatności, Przelewy24, Tpay, PayU, and Pluxee. This allows entrepreneurs to access financing directly within the ecosystems and services they use every day.
In the factoring segment, which operates in Poland and Romania, the Group served 2,353 clients—13% more than a year earlier. The value of receivables financed in this segment amounted to PLN 1.7 billion, representing a 4% increase year-over-year. In Romania and Spain, the Group financed receivables equivalent to PLN 123 million. The model developed in Poland is being rolled out in other markets; Croatia will be next.