The PragmaGO Group closed the first half of the year with a 34% year-on-year increase in the value of financed receivables (PLN 1.5 billion). More than 19,000 entrepreneurs used PragmaGO’s services (38% more than in the same period last year).
The Group financed 377,000 transactions (up 87% year-on-year) within diversified services:
- factoring: 1,732 clients, PLN 1.1 billion (up 24% y/y) in the value of financed invoices. Digital factoring is growing dynamically (PLN 686.2 million, an increase of 46% y/y), in which the agreement can be signed and its terms adjusted online;
- loans, including embedded finance: 17,381 customers, PLN 389.6 million (up 72%) of the value of financing provided.
Embedded finance are financial products that are made available through PragmaGO’s partners, including Allegro, Polskie ePłatności, Przelewy24, PayTel, Tpay, Shoper or Comfino. In this segment, PragmaGO creates B2B deferred payments and Merchant Cash Advance loans:
- In the first half of 2025, 14,016 entrepreneurs used deferred payments (up 34% y/y) and obtained financing worth PLN 151.3 million (up 32% y/y),
- In the first half of 2025, 14,016 entrepreneurs used deferred payments (up 34% y/y) and obtained financing worth PLN 151.3 million (up 32% y/y),
- In the same period, 4,068 entrepreneurs used the Merchant Cash Advance service (up 86% y/y), which raised a total of PLN 235.3 million (up 109% y/y).
PragmaPay stimulates small businesses to grow and acts as a financial cushion. It allows you to catch market opportunities, increase your margin and not give up on orders just because you are temporarily short of startup cash. It’s transparent financing – the contract is simple and the costs for the buyer are fixed, transparent and independent of interest rate changes. Through our partnership with Shoper, we are fulfilling our mission – to level the playing field in access to capital for micro and small businesses. PragmaPay gives benefits to both sides of the transaction – both the buyer and seller on the Shoper platform gain
“We closed the first half of 2025 with a high growth rate in the value of financing provided – June proved to be a historically record month. The chosen strategy responds well to the needs of micro and small businesses to which we direct our services. The very good results of our Romanian company, Omnicredit, are a confirmation for us that the solutions we create also work in other countries. By the end of 2025, we plan to work intensively on further expansion into CEE markets – primarily through embedded finance partnerships
– says Tomasz Boduszek, CEO of PragmaGO.
