Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
OUR MISSION
We support entrepreneurs in their daily activities and together with them we are changing the Polish economy. In response to the needs of SME companies, we create solutions that allow them to gain permanent and stable access to financing. This gives the entrepreneur financial security, allows them to grow and achieve further business goals. We constantly invest in technology so that the process of obtaining financing requires minimal involvement from the client. We are at the “fingertips” – at the place and time when the client needs us.
Our role in the financial system
SMEs are a segment that has limited access to bank financing. We are reaching out to it:
We are developing financial technology
We responsibly manage credit risk:
PragmaGO Group structure
In 2021, Polish Enterprise Funds SCA became the majority shareholder of PragmaGO SA (as the Parent Company of the Parent Company).
The PragmaGO Capital Group includes:
Probably like a bank, only convenient and fast
PragmaGO SA – Parent company and financial institution with nearly 30 years of experience, providing a source of financing for clients. PragmaGO SA obtains financing through, among others, bond issues on the Catalyst market, or cooperation with the European Bank for Reconstruction and Development. The company maintains the highest equity in the non-bank sector with low debt ratios. This guarantees the implementation of even large and long-term projects.
The recipients of PragmaGO brand communications are entrepreneurs. Distribution of services under the PragmaGO brand is carried out online (pragmago.pl) and through broker networks. These include, for example, Expander, Notus Finance, and Platinum Financial.
Products under the PragmaGO brand:
PragmaGO clients have access to the Client Zone, an online platform where they can manage their financial products from anywhere at any time.
You do the business, we`ll do the finance.
PragmaGO.tech – Subsidiary of PragmaGO SA, a technology provider. PragmaGO.tech’s team includes more than 40 developers and UX/UI specialists and experienced managers. The company develops proprietary technology solutions and processes – both in the areas of analytics, financing risk and scoring, online customer environment and integration with partner ecosystems. These include, for example, marketplace platforms, payment card operators and SaaS store software providers.
It is a brand for innovative embedded finance B2B products aimed at partners and potential partners who want to integrate financial services and offer them to business customers. By doing so, PragmaGO.tech partners increase profits, competitiveness and build loyalty of their customers. PragmaGO.tech and its partner create a synergistic effect – reaching hundreds of thousands of entrepreneurs in a single moment, who get access to financing for their business.
PragmaGO.tech partners have access to the Partner Zone – an online panel where they can check billing, contract statuses, and download marketing materials.
Gross Ltd. – Subsidiary of PragmaGO SA, offering online financing in the form of targeted loans, tax and Social Security financing and factoring.
Monevia sp.z o.o. Subsidiary of PragmaGO SA . Leader in the market of financing single sales invoices(invoice discounting). This is invoice financing without a fixed contract and the obligations arising from it, 100% online. Monevia has developed User Experience solutions, thanks to which it is possible to finance receivables of low denominations (as low as PLN 700 or EUR 200), with an initial limit of PLN 50,000. Monevia’s solutions are appreciated especially by companies operating in the TSL segment, where the time of access to funds is crucial for the execution of subsequent orders.
Omnicreditspecializes indigital factoring. The company has been growing rapidly for several years, increasing both its customer base and turnover. It is efficiently managed and profitable. The year 2024 was a record year for Omnicredit in terms of the value of financed transactions (€60.8 million) and portfolio growth (+61% y/y, €10.2 million). Omnicredit’s revenues increased by76% y/yreaching€3.5 million. Omnicredit holds a license as a non-bank financial institution (IFN) and is regulated by the National Bank of Romania. With an expert model for estimating the cost of risk, the company maintains high standards in credit risk management and financial reporting.
Composition of management bodies
PragmaGO SA (Parent Company)
Management
Tomasz Boduszek
President of the Management Board, Chief Executive Officer
Since 2011, he has been the President of the Management Board of PragmaGO SA. He built the PragmaGO Group from scratch. He transformed a debt collection start-up with an initial capital of PLN 50,000 into a dynamically developing fintech company. Tomasz Boduszek has experience in successfully developing business through M&A. He has participated in eight such transactions (including five times as CEO of the buying party and three times as CEO of the selling party, with the value of the transactions amounting to several hundred million PLN). Since 2022, he has managed various companies from the PragmaGO Group, introducing them to New Connect, the main market of the Warsaw Stock Exchange, and the Catalyst bond market.
Since 2011, he has been the President of the Management Board of PragmaGO SA. He built the PragmaGO Group from scratch. He transformed a debt collection start-up with an initial capital of PLN 50,000 into a dynamically developing fintech company. Tomasz Boduszek has experience in successfully developing business through M&A. He has participated in eight such transactions (including five times as CEO of the buying party and three times as CEO of the selling party, with the value of the transactions amounting to several hundred million PLN). Since 2022, he has managed various companies from the PragmaGO Group, introducing them to New Connect, the main market of the Warsaw Stock Exchange, and the Catalyst bond market.
Jacek Obrocki
Vice President of the Management Board, Chief Financial OfficerZarządu, Chief Financial Officer
An economist with over 20 years of experience, gained, among others, as the director of the investment banking department at Dom Maklerski BDM. He specializes in investment banking and financial and stock market analysis. He has obtained, among others, the title of Chartered Financial Analyst (CFA) and completed numerous training courses in JBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities trading law, and commercial law. PragmaGO expert in financial market and macroeconomic analysis, contributing to Puls Biznesu and specialist portals such as obligacje.pl and inwestycje.pl.
An economist with over 20 years of experience, gained, among others, as the director of the investment banking department at Dom Maklerski BDM. He specializes in investment banking and financial and stock market analysis. He has obtained, among others, the title of Chartered Financial Analyst (CFA) and completed numerous training courses in JBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities trading law, and commercial law. PragmaGO expert in financial market and macroeconomic analysis, contributing to Puls Biznesu and specialist portals such as obligacje.pl and inwestycje.pl.
Danuta Czapeczko
Vice President of the Management Board, Chief Growth Officer
She has over 16 years of experience in marketing and sales management. She has been with PragmaGO since 2011. She specializes in embedded finance services for business, introducing new solutions for Polish entrepreneurs to the market. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, Polskie ePłatności, Przelewy24, Tpay, imoje, and Shoper. She is a speaker at industry discussion panels, including “Fintech and E-commerce Linking Days,” “Risk and Supervision Meeting,” and “E-commerce: Opportunities, Trends, Challenges.”
She has over 16 years of experience in marketing and sales management. She has been with PragmaGO since 2011. She specializes in embedded finance services for business, introducing new solutions for Polish entrepreneurs to the market. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, Polskie ePłatności, Przelewy24, Tpay, imoje, and Shoper. She is a speaker at industry discussion panels, including “Fintech and E-commerce Linking Days,” “Risk and Supervision Meeting,” and “E-commerce: Opportunities, Trends, Challenges.”
Łukasz Ramczewski
Vice President of the Management Board, Chief Sales Officer
A manager with over 12 years of experience in financial markets, factoring, and SME financing. Since 2010, he has been professionally associated with PragmaGO, where he has been the sales director since 2018, managing a team of several people. He actively participates in the creation of financial products and solutions based on the changing needs of Polish entrepreneurs. He conducts training courses on factoring for financial brokers.
A manager with over 12 years of experience in financial markets, factoring, and SME financing. Since 2010, he has been professionally associated with PragmaGO, where he has been the sales director since 2018, managing a team of several people. He actively participates in the creation of financial products and solutions based on the changing needs of Polish entrepreneurs. He conducts training courses on factoring for financial brokers.
Supervisory Board
Dariusz Prończuk
Chairman of the Supervisory Board
A graduate of the Faculty of Foreign Trade at the Warsaw School of Economics. He is a Managing Partner at Enterprise Investors Sp. z o.o. and a member of the company’s Management Board. He is also a member of the Supervisory Boards of companies in the Enterprise Investors portfolio. He has 35 years of experience in private equity and corporate finance in Central Europe. Since 1993, he has carried out dozens of investments at Enterprise Investors, mainly in the financial services, IT, construction, and FMCG sectors, including investments such as Lukas, Comp Rzeszów (currently Asseco Poland), COMP, Magellan, Kruk, Netrisk, and AVG.
A graduate of the Faculty of Foreign Trade at the Warsaw School of Economics. He is a Managing Partner at Enterprise Investors Sp. z o.o. and a member of the company’s Management Board. He is also a member of the Supervisory Boards of companies in the Enterprise Investors portfolio. He has 35 years of experience in private equity and corporate finance in Central Europe. Since 1993, he has carried out dozens of investments at Enterprise Investors, mainly in the financial services, IT, construction, and FMCG sectors, including investments such as Lukas, Comp Rzeszów (currently Asseco Poland), COMP, Magellan, Kruk, Netrisk, and AVG.
Bartosz Chytła
Member of the Supervisory Board
Graduate of the Faculty of Management and Marketing at the AGH University of Science and Technology in Krakow. He holds an MBA from École nationale des ponts et chaussées in Paris and the University of Bristol. He began his professional career in 1996 at Pierwszy Polsko-Amerykański Bank S.A. From 2004, he held the position of Vice President of the Management Board of Fortis Bank S.A. In 2008–2012, he was first a Member and then President of the Management Board of Bank DnB NORD Polska S.A. From 2012 to 2013, he held the position of Vice-President of the Management Board of Getin Holding SA. In 2013–2015, he served as President of the Management Board of Meritum Bank ICB S.A. From 2015 to 2019, he worked as First Vice President of the Management Board of Nest Bank S.A.
Graduate of the Faculty of Management and Marketing at the AGH University of Science and Technology in Krakow. He holds an MBA from École nationale des ponts et chaussées in Paris and the University of Bristol. He began his professional career in 1996 at Pierwszy Polsko-Amerykański Bank S.A. From 2004, he held the position of Vice President of the Management Board of Fortis Bank S.A. In 2008–2012, he was first a Member and then President of the Management Board of Bank DnB NORD Polska S.A. From 2012 to 2013, he held the position of Vice-President of the Management Board of Getin Holding SA. In 2013–2015, he served as President of the Management Board of Meritum Bank ICB S.A. From 2015 to 2019, he worked as First Vice President of the Management Board of Nest Bank S.A.
Grzegorz Grabowicz
Member of the Supervisory Board
He graduated from the University of Łódź in 1998 with a degree in Management and Marketing, specializing in accounting. In 2010, he completed a program organized by Nottingham Trent University and WSB at the University of Poznań, obtaining an EMBA (Executive Master of Business Administration) degree. He is also a certified auditor. From January 2019 to September 2025, he was a Member of the Management Board and Chief Financial Officer at Mabion S.A. He gained knowledge and experience in management while working in the Audit Department at Deloitte from 1998 to 2003, in 2003 as financial controller at BFF Polska S.A. (formerly Magellan S.A.), and from 2004 to 2017 as CFO at BFF Polska S.A. and Vice President of the Management Board at BFF Polska S.A. From 2010 to 2013, he was President of the Management Board of MEDFinance S.A. From 2007 to 2017, he was a member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia. From 2013 to 2017, he was Chairman of the Supervisory Board of MEDFinance S.A. From 2014 to October 2018, he was a member of the Supervisory Board of Skarbiec Holding S.A. From October 2017 to August 2020, he was a member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019, he was a member of the Supervisory Board of Medicalgorithmics S.A. Since November 2018, he has been a member of the Supervisory Board of XTB Dom Maklerski S.A.
He graduated from the University of Łódź in 1998 with a degree in Management and Marketing, specializing in accounting. In 2010, he completed a program organized by Nottingham Trent University and WSB at the University of Poznań, obtaining an EMBA (Executive Master of Business Administration) degree. He is also a certified auditor. From January 2019 to September 2025, he was a Member of the Management Board and Chief Financial Officer at Mabion S.A. He gained knowledge and experience in management while working in the Audit Department at Deloitte from 1998 to 2003, in 2003 as financial controller at BFF Polska S.A. (formerly Magellan S.A.), and from 2004 to 2017 as CFO at BFF Polska S.A. and Vice President of the Management Board at BFF Polska S.A. From 2010 to 2013, he was President of the Management Board of MEDFinance S.A. From 2007 to 2017, he was a member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia. From 2013 to 2017, he was Chairman of the Supervisory Board of MEDFinance S.A. From 2014 to October 2018, he was a member of the Supervisory Board of Skarbiec Holding S.A. From October 2017 to August 2020, he was a member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019, he was a member of the Supervisory Board of Medicalgorithmics S.A. Since November 2018, he has been a member of the Supervisory Board of XTB Dom Maklerski S.A.
Agnieszka Kamola
Member of the Supervisory Board
She graduated from the Kozminski University in Warsaw with a degree in finance and banking. She has over 21 years of experience in sales, including over 20 years in the field of electronic payments in e-commerce. She was responsible for managing direct and indirect sales, working in managerial positions for companies such as eCard, eService, PayU, and Straal.
She graduated from the Kozminski University in Warsaw with a degree in finance and banking. She has over 21 years of experience in sales, including over 20 years in the field of electronic payments in e-commerce. She was responsible for managing direct and indirect sales, working in managerial positions for companies such as eCard, eService, PayU, and Straal.
Michał Kolmasiak
Member of the Supervisory Board
Graduate of the University of Wrocław, Faculty of Law and Administration (2001). He began his professional career in 2001, taking up a position at Dom Obrotu Wierzytelnościami Cash Flow S.A. and Sofor Inkaso s.c. as a debt collection specialist. From April 2002, he served as a Member of the Management Board at Pragma Inkaso sp. z o.o., then at Pragma Inkaso S.A., and from January 2008 to January 2015, he served as Vice President of the Management Board of Pragma Inkaso S.A., and in February 2021, he became the head of the company as President of the Management Board. From 2008 to 2017, he was a Member of the Management Board at Pragma Collect sp. z o.o. (currently Pragma Faktor sp. z o.o.). Since 2006, he has been President of the Management Board at Guardian Investment sp. z o.o.
Graduate of the University of Wrocław, Faculty of Law and Administration (2001). He began his professional career in 2001, taking up a position at Dom Obrotu Wierzytelnościami Cash Flow S.A. and Sofor Inkaso s.c. as a debt collection specialist. From April 2002, he served as a Member of the Management Board at Pragma Inkaso sp. z o.o., then at Pragma Inkaso S.A., and from January 2008 to January 2015, he served as Vice President of the Management Board of Pragma Inkaso S.A., and in February 2021, he became the head of the company as President of the Management Board. From 2008 to 2017, he was a Member of the Management Board at Pragma Collect sp. z o.o. (currently Pragma Faktor sp. z o.o.). Since 2006, he has been President of the Management Board at Guardian Investment sp. z o.o.
Jakub Kuberski
Member of the Supervisory Board
He studied computer science, econometrics, and law at the University of Warsaw. He has 10 years of experience in private equity. From 2010 to 2013, he was employed as an Analyst and Associate at Kulczyk Investments. He has been with Enterprise Investors (EI) since October 2013. He began his career at EI as an Analyst, then was promoted to Investment Director, and in July 2019 he took up the position of Vice President. He was also a member of the Supervisory Boards of several companies from the Enterprise Investors portfolio in the field of modern technologies and financial services, and is a member of the Supervisory Board of Unilink S.A. based in Warsaw.
He studied computer science, econometrics, and law at the University of Warsaw. He has 10 years of experience in private equity. From 2010 to 2013, he was employed as an Analyst and Associate at Kulczyk Investments. He has been with Enterprise Investors (EI) since October 2013. He began his career at EI as an Analyst, then was promoted to Investment Director, and in July 2019 he took up the position of Vice President. He was also a member of the Supervisory Boards of several companies from the Enterprise Investors portfolio in the field of modern technologies and financial services, and is a member of the Supervisory Board of Unilink S.A. based in Warsaw.
Piotr Lach
Member of the Supervisory BoardRady Nadzorczej
He graduated from the Warsaw School of Economics with a degree in finance and accounting. From 2014 to 2017, he worked with PwC Polska sp. z o.o. as an Associate. He began his career at EI in 2017 as an Analyst, and then in January 2021, he took on the position of Investment Director.
He graduated from the Warsaw School of Economics with a degree in finance and accounting. From 2014 to 2017, he worked with PwC Polska sp. z o.o. as an Associate. He began his career at EI in 2017 as an Analyst, and then in January 2021, he took on the position of Investment Director.
PragmaGO.tech (Subsidiary of PragmaGO SA)
Management
Wojciech Bublik
President of the Management Board of PragmaGO.tech, Chief Technology Officer
He took his first professional steps at BPH S.A. bank. Between 2007 and 2012, he worked for the software house Empathy, and then for three years with the Unity Group. He rose through all the ranks of IT – from programmer to director – and finally, in 2015, began working with PragmaGO. For the first six years, he held the position of CEO of PragmaGO.tech, and since 2021, he has also been CTO at PragmaGO S.A. He manages a team of nearly forty developers and UX/UI specialists and is responsible for the company’s technology strategy.
He took his first professional steps at BPH S.A. bank. Between 2007 and 2012, he worked for the software house Empathy, and then for three years with the Unity Group. He rose through all the ranks of IT – from programmer to director – and finally, in 2015, began working with PragmaGO. For the first six years, he held the position of CEO of PragmaGO.tech, and since 2021, he has also been CTO at PragmaGO S.A. He manages a team of nearly forty developers and UX/UI specialists and is responsible for the company’s technology strategy.
Monevia sp. z o.o. (Subsidiary of PragmaGO SA)
Management
Maciej Drowanowski
President of the Management Board, Chief Executive Officer
An expert in receivables management and financing. For over 12 years, he was responsible for the development of the Coface group in Poland, leading various projects in Poland and the CEE region. A speaker at numerous conferences related to fintech, factoring, credit insurance, credit information, and debt collection. President of the Management Board of Monevia since 2015.
An expert in receivables management and financing. For over 12 years, he was responsible for the development of the Coface group in Poland, leading various projects in Poland and the CEE region. A speaker at numerous conferences related to fintech, factoring, credit insurance, credit information, and debt collection. President of the Management Board of Monevia since 2015.
Marta Sankiewicz
Member of the Management Board, Chief Operating Officer
Senior Project Manager with 19 years of experience in the financial sector, including factoring, insurance, and debt collection. Member of an international team at the largest insurance group in Poland, responsible for creating an online platform for life insurance with an investment fund. Financial analyst and author of a receivables management platform for SMEs. Since 2015, she has been managing the team and operational processes at Monevia, and since 2023, she has been a member of the Management Board.
Senior Project Manager with 19 years of experience in the financial sector, including factoring, insurance, and debt collection. Member of an international team at the largest insurance group in Poland, responsible for creating an online platform for life insurance with an investment fund. Financial analyst and author of a receivables management platform for SMEs. Since 2015, she has been managing the team and operational processes at Monevia, and since 2023, she has been a member of the Management Board.
Tomasz Krzysztof Gąsiorowski
Member of the Management Board, Commercial Director
Sales and Business Development Manager with over 20 years of experience in retail and corporate banking. For 14 years, he was associated with Raiffeisen Bank, and also served as Sales Director at Idea Money, a factoring company belonging to the Idea Bank group, and Direct Sales Director at BNP Paribas Factoring. Since 2019, he has been responsible for the development of the distribution network at Monevia, and since 2024 he has been a Member of the Management Board.
Sales and Business Development Manager with over 20 years of experience in retail and corporate banking. For 14 years, he was associated with Raiffeisen Bank, and also served as Sales Director at Idea Money, a factoring company belonging to the Idea Bank group, and Direct Sales Director at BNP Paribas Factoring. Since 2019, he has been responsible for the development of the distribution network at Monevia, and since 2024 he has been a Member of the Management Board.
Telecredit IFN (Omnicredit) (Subsidiary of PragmaGO SA)
Management
Elisa Rusu
President of the Management Board, Chief Executive Officer
A manager with over 15 years of experience in factoring, leasing, and microfinance in the B2B sector. Before becoming CEO of Omnicredit, she headed Banca Transilvania Factoring, Romania’s second-largest factor, and also managed Meridian Leasing and Compania de Factoring. An expert in corporate finance, she effectively combines strategic knowledge with operational practice.
A manager with over 15 years of experience in factoring, leasing, and microfinance in the B2B sector. Before becoming CEO of Omnicredit, she headed Banca Transilvania Factoring, Romania’s second-largest factor, and also managed Meridian Leasing and Compania de Factoring. An expert in corporate finance, she effectively combines strategic knowledge with operational practice.
Board of Directors (Board of Directors) Telecredit IFN (Omnicredit)
Vjačeslav Lypko
Chairman of the Supervisory Board
An experienced specialist in mergers and acquisitions and business partnerships. A graduate of the Faculty of Social Sciences at Charles University in Prague. From 2017 to 2023, he served as investment director and country director for the Czech Republic at the private equity fund Enterprise Investors. He was responsible for investment activities on the Czech market, including the IPO of Novaturas and the acquisition of FinGO. He also sat on the supervisory board of FinGO, one of the leading financial intermediaries operating in the Czech Republic and Slovakia. Previously, he worked for seven years at EY, where he carried out projects in the field of transaction advisory and financial restructuring in the Central and Eastern Europe region, including one year at EY’s London office. He currently serves as an expert at PragmaGO, responsible for business development in international markets.
An experienced specialist in mergers and acquisitions and business partnerships. A graduate of the Faculty of Social Sciences at Charles University in Prague. From 2017 to 2023, he served as investment director and country director for the Czech Republic at the private equity fund Enterprise Investors. He was responsible for investment activities on the Czech market, including the IPO of Novaturas and the acquisition of FinGO. He also sat on the supervisory board of FinGO, one of the leading financial intermediaries operating in the Czech Republic and Slovakia. Previously, he worked for seven years at EY, where he carried out projects in the field of transaction advisory and financial restructuring in the Central and Eastern Europe region, including one year at EY’s London office. He currently serves as an expert at PragmaGO, responsible for business development in international markets.
Jacek Obrocki
Member of the Supervisory Board
An economist with over 20 years of experience, gained, among others, as Director of the Investment Banking Department at BDM Brokerage House. He specializes in investment banking and financial and stock market analysis. He has obtained, among others, the title of Chartered Financial Analyst (CFA) and completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities trading law, and commercial law. PragmaGO expert in financial market analysis and macroeconomics.
An economist with over 20 years of experience, gained, among others, as Director of the Investment Banking Department at BDM Brokerage House. He specializes in investment banking and financial and stock market analysis. He has obtained, among others, the title of Chartered Financial Analyst (CFA) and completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities trading law, and commercial law. PragmaGO expert in financial market analysis and macroeconomics.
Bilea-Arora Mihaela
Member of the Supervisory Board
Transformative Life Coach with over 15 years of experience in the corporate environment. She began her career as an IAS reporting accountant, then served as regional director for large corporate clients at Romania’s largest bank. She holds an MBA from City University of Seattle and ACCA qualifications, which provide a solid foundation for understanding business mechanisms and making sound strategic decisions. She designs coaching programs to support career-oriented individuals.
Transformative Life Coach with over 15 years of experience in the corporate environment. She began her career as an IAS reporting accountant, then served as regional director for large corporate clients at Romania’s largest bank. She holds an MBA from City University of Seattle and ACCA qualifications, which provide a solid foundation for understanding business mechanisms and making sound strategic decisions. She designs coaching programs to support career-oriented individuals.