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Probably like the bank,
just convenient and fast

For more than 25 years, we have been creating easily accessible and understandable financing for the SME sector. 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.

Probably like the bank,
just convenient and fast

We have been creating easily accessible and intuitive financing for the SME sector for over 27 years. We give entrepreneurs constant access to money, thanks to which they can run their business stably and with peace of mind. We hold a market-leading position in digital factoring and innovative embedded finance B2B, based on deep technological integration with our partners’ systems.

PragmaGO Group in numbers (data for 2023)

0 mld PLN

turnover (+21% y/y)

0 mld PLN

turnover in the field of factoring products (+12% y/y)

200000

Financed
transactions (+72% y/y)

Ponad 0%

growth dynamics in embedded finance

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.

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.

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 won the title of
“Fintech of the Year” Cashless Fintech 2023.

Selected financial data

201820192020202120222023
Wartość sfinansowanych należności (kpln)565 951588 481663 7721 032 9681 630 1641 973 082
Liczba aktywnych klientów8381 6372 0538 62813 34016 719
Przychody ze sprzedaży netto (kpln)39 00724 13625 79537 56554 44177 453
Wynik operacyjny (kpln)10 4963 9804 42910 63620 45032 562
Wynik netto (kpln)1 6986 8785163 5616 1247 896
Kapitał własny (kpln)40 66045 17534 72770 247107 390115 292
Aktywa (kpln)54 100120 253128 746182 567258 945362 264
*data as of December 31, 2023

PragmaGO SA on Catalyst

PragmaGO SA has been an issuer of bonds listed on the Catalyst market since 2011. In total, we issued 32 series of bonds worth PLN 520.8 million and one series of bonds in euro currency worth EUR 3.5 million. All issues were fully subscribed. Nineteen bond series with a total value of PLN 270.0 million were repaid on time or ahead of schedule in cash, without rollover. Currently, the total bond debt of PragmaGO SA is PLN 250.8 million and EUR 3.5 million. PragmaGO SA has so far paid its bond investors more than PLN 74.5 million in interest and premium.

Awards

“Fintech of the Year” Cashless
Fintech 2023
“Partnership of the year” Loan
Magazine Awards 2023
PragmaGO zwycięzcą w kategorii „Best e-commerce B2B tool/technology/service” w konkursie E-commerce Awards Polska 2023
“Best e-commerce B2B tool/technology/service” (Ecommerce Poland Awards).

Meet the PragmaGO Management Board

Tomasz Boduszek

CEO,
Chief Executive Officer

Jacek Obrocki

Executive Vice President,
Chief Financial Officer

Danuta Czapeczko

Executive Vice President,
Chief Growth Officer

Łukasz Ramczewski

Vice President,
Chief Sales Officer

They write about us