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 over 27 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.
Management
Tomasz Boduszek
President, Chief Executive Officer
Since 2011, he has served as President of the Management Board of PragmaGO SA. He created PragmaGO Group from scratch. He transformed a debt collection start-up with initial capital of PLN 50,000 into a rapidly growing fintech. Tomasz Boduszek has experience in successful business development through M&A. He has participated in nine such transactions (including six times as CEO of the buying side and three times as CEO of the selling side, and the value of the transactions amounted to several hundred million PLN). Since 2011, he has managed various PragmaGO Group companies, listing them on New Connect, the main market of the Warsaw Stock Exchange and the Catalyst bond market.
Jacek Obrocki
Vice President, Chief Financial Officer
Economist with more than 20 years of experience, which he gained, among others, as director of the investment banking department at BDM Brokerage House. He specializes in investment banking and financial and stock market analytics. He obtained, among others, the title of Chartered Financial Analyst (CFA), completed numerous training courses in JBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities law, commercial law. PragmaGO expert in financial market analysis and macroeconomics, speaking for Puls Biznesu and specialized portals such as obligacje.pl, inwestycje.pl, among others.
Danuta Czapeczko
Vice President, Chief Growth Officer
She has more than 16 years of experience in the field of marketing and sales management. She has been working with PragmaGO since 2011. She specializes in embedded finance services for business, launching new solutions for Polish entrepreneurs. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, imoje, Polskie ePłatności and InFakt. Speaker at industry panel discussions, including “Fintech and E-commerce Linking Days”, “Risk and Supervision Meeting”, “E-commerce. Opportunities, Trends, Challenges”.
Łukasz Ramczewski
Vice President, Chief Sales Officer
Manager with more than 12 years of experience in the area of financial markets, factoring and financing of the SME sector. Since 2010, he has been professionally associated with PragmaGO, where since 2018 he has been the Director of Sales, leading a team of more than a dozen people. He actively participates in creating financial products and solutions based on the changing needs of Polish entrepreneurs. He conducts trainings on factoring, aimed at financial brokers.
Wojciech Bublik
CEO of PragmaGO.tech, Chief Technology Officer
He took his first professional steps at BPH S.A. bank. From 2007 to 2012, he worked with software house Empathy, and then for three years with Unity Group. He worked his way through all IT ranks – from programmer to director – to finally, in 2015, start 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 40 developers, UX/UI specialists and is responsible for the Company’s technology strategy.