pragmago.pl

PragmaGO provides online financing for businesses. Its products are PragmaCash business loans from 3,000 to 100,000 PLN for 4 or 12 months, online invoice factoring with revolving limits up to 15 million PLN (also in EUR, USD, GBP and CHF), reverse factoring up to 2.5 million PLN, and PragmaPay pay-later and installment payments with limits up to 50,000 PLN. The company's technology unit, PragmaGO.tech in Kraków, builds the platform behind these products, including scoring, automated credit decisions and a REST API for embedded finance partners.

The customers are sole proprietorships and commercial companies, mainly small and medium-sized enterprises, and factoring is aimed at businesses that regularly issue invoices with deferred payment terms. Financing is offered directly and through partners and brokers. The company also embeds payments and financing into partner platforms, naming Allegro Biznes, Przelewy24, PayU, TPay and Polskie ePłatności (Nexi Group) among its Polish partners.

PragmaGO is a joint-stock company (S.A.) registered in Katowice, founded in 2006, and listed on the stock exchange under KNF supervision; its majority shareholder since 2021 is the international fund Enterprise Investors. The company reports having provided 3.1 billion PLN in financing and 26,297 clients in 2025. It operates in Poland and, through local companies, in Romania, Spain and Croatia (Spain and Croatia added in 2026), with Portugal named as the next market. The company holds ISO/IEC 27001 and ISO 22301 certifications. Its careers page lists a Data Scientist (Credit Risk) and an HR Manager role, while also stating that recruitment is not currently open.

Product: PragmaCash business loans, online invoice factoring, reverse factoring and PragmaPay pay-later and installment payments for businesses.