Turn invoices into cash without waiting.
You issued an invoice with a payment term, your client isn't in a hurry to pay, and you need money now? Use factoring and collect what's owed to you.
Factoring isn't a loan. It's turning invoices into cash.
You issue an invoice with a payment term of 30, 60 or 90 days. Instead of waiting, you sell the receivable to a factoring company (the factor). Our PozaBankiem team will help you choose the most favorable offer among factoring companies. The factor pays you up to 90% of the invoice value right away. Once your client pays on time, it transfers the remaining amount to you, minus a fee set individually.
That's it. No loan, no collateral, no mortgage.
Factoring is a sale of receivables. It doesn't increase your company's debt and doesn't affect your creditworthiness.
Factoring transactions aren't reported to the Credit Information Bureau (BIK). Your credit history stays unchanged.
The collateral is the invoice itself and your client's reliability. You don't pledge real estate or company assets.
We require a minimum of 6 months in business. We direct startups below that threshold to loans secured by real estate.
Factoring is for you if…
- You issue B2B invoices with deferred payment terms (30, 60, 90 days)
- Your client is a solid company, but the transfer arrives too late
- You need funds for day-to-day operations: salaries, suppliers, investments
- The bank turned down your credit line, or the limit is too low
- You don't want to pledge assets (factoring requires no physical collateral)
- You've been in business for at least 6 months
- Speed matters to you, without months of waiting
How does factoring work step by step?
Factoring is a form of financing where a business sells its receivables to a factor in exchange for immediate cash. The process is simple and transparent.
You sell goods or a service to a client and issue an invoice with a deferred payment term.
You send us the invoice by email or through the form. We check the client and the invoice. Fast, without unnecessary questions.
After a positive assessment, the factor pays up to 90% of the invoice value into your account. Payout time depends on the factor and the specifics of the transaction.
Once your client pays, we settle the rest, deducting the fee. You don't have to do anything.
Which industries use factoring most often?
Factoring works wherever you sell B2B with a deferred payment term. Here are the industries we work with most often:
Transport and freight forwarding
Invoices issued after every job, while the transfer from the client waits 45 to 90 days. Factoring is standard practice in the TSL industry.
Construction
General contractors pay after acceptance of the work. Subcontractors need cash for materials and wages today.
Trade and distribution
Deliveries to retail chains with 60 to 90 day terms. Factoring lets you finance the next order without waiting.
Manufacturing and industry
Long payment terms from B2B buyers alongside continuous production costs. A classic case for factoring.
Medicine and pharmaceuticals
Suppliers of medical equipment and medicines for hospitals. Deferred payments from public and private clients.
IT and B2B services
Invoices for software projects, outsourcing, services for corporations. Large amounts, long terms, reliable clients.
Education and training
Invoices for training services for corporations and public-sector bodies. Long payment terms, reliable clients.
Energy and renewables
Solar installations, wind farms, large projects with long settlement terms.
Why factoring pays off. And not only as financing.
Immediate cash
Instead of waiting 30 to 90 days for a transfer, you have cash as soon as the next day. You pay employees, suppliers, and settle social security without stress.
Factoring that pays for itself
With cash from factoring, you pay suppliers right away. Many wholesalers offer a 2 to 5% discount for immediate payment. If the factoring fee is 2% and you get a 3% discount, factoring is free. You even earn 1% on it.
Growth without extra debt
Factoring isn't a loan. It doesn't increase your BIK debt, doesn't affect your creditworthiness, and doesn't require physical collateral.
Protection against payment gridlock
One large client delaying payment can shake an entire company. Factoring eliminates that problem structurally.
Client verification
Before buying the invoice, we verify your client. Extra protection against selling to an insolvent company.
Faster than a loan
A bank processes an application for weeks. We verify an invoice within a day. No collateral, no credit history required. All it takes is an invoice and a solid client.
What if my client doesn't pay?
Every client asks this question. The answer depends on the type of factoring you choose.
Factoring with recourse
The risk stays with you
If your client doesn't pay on time, you're obligated to return the advance we paid out. This is the standard, cheaper variant. Use it when you have trusted, verified clients.
- Lower financing cost
- Ideal for regular clients
- We verify the client before buying the invoice
Factoring without recourse
We take on the risk
If your client goes bankrupt or doesn't pay, you lose nothing. The factor takes on the insolvency risk. It costs more, but gives you full peace of mind with new or less certain clients.
- Full protection against insolvency
- Ideal for new clients
- Higher cost than factoring with recourse
Three types of factoring. Which fits your situation?
Factoring isn't a single product. We match the form to your relationships with clients and your business needs.
Disclosed factoring
The client is informed of the assignment of receivables. They know that payment for the invoice goes to us, not directly to you. The standard solution, most often used in long-term B2B relationships.
- Transparent communication with the client
- Lower cost than undisclosed factoring
- The simplest assignment procedure
Who it's for: businesses with steady, verified clients.
Undisclosed factoring
The client doesn't know about the assignment. The business relationship looks the same as before factoring. Ideal when you care about full discretion, or when your client agreements prohibit assignment.
- The client knows nothing about the financing
- The business relationship stays undisturbed
- Works even when assignment is prohibited
Who it's for: businesses that value discretion toward clients.
Reverse factoring
The logic is reversed: as the buyer, you initiate the factoring to pay your suppliers immediately and get discounts. You get an extended repayment term to the factor.
- You pay suppliers right away and gain a discount
- Your own repayment term to the factor (30 to 90 days)
- Strengthens relationships with suppliers
Who it's for: businesses with large purchases from regular suppliers.
Ask about factoring
Fill out the form. We'll get back to you within 24 business hours. The initial conversation carries no obligation.
You can also call: +48 727 941 789 or write to biuro@pozabankiem.pl
