Factoring for Businesses in Poland: Compare
Factoring turns invoices with deferred payment terms into cash — the factor pays up to 100% of the net invoice value right away and settles once your customer pays. Online factoring also serves sole traders and micro-businesses, with limits from tens of thousands up to PLN 2M and a decision in minutes.
An overview of online factoring offers from partner companies in Poland. Limits and financing scope come from official program descriptions — you will find the details with each offer. We also explain how factoring works and what to watch for in the contract.
Online factoring — July 2026
2 online factoring offers. Sorted by maximum financing limit.
SMEO — Financial offer
SMEO — see current terms and apply online.
SMEO — see current terms and apply online.
NFG — Financial offer
NFG — see current terms and apply online.
NFG — see current terms and apply online.
When factoring makes sense
Long payment terms
You issue invoices with 30–90 day terms but need the money now — factoring frees up the cash frozen in invoices.
No creditworthiness
The factor looks primarily at the reliability of your counterparty, so a young business with no track record still has a chance of financing.
Seasonal gridlocks
A factoring limit works like a liquidity buffer — you use it only when you finance a specific invoice, and you pay only for that.
The order follows the terms of each offer, not the partner commission. Our methodology →
* The offers presented come from partners. Limits and financing scope come from official partner program descriptions (as of July 2026) — “—” means a value the program description does not provide. The final terms are set by the contract with the factoring company. kreddo.pl is an informational service and does not act as an intermediary in concluding factoring agreements.
Źródła i podstawa prawna
- 1. Civil Code Act of 23 April 1964 (assignment of receivables, art. 509–518) — ISAP
- 2. Statistics on the factoring market in Poland — Polish Factors Association
- 3. Materials on payment gridlocks and bad-debt relief — UOKiK
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Frequently Asked Questions
What is factoring and how does it work?
Factoring is the financing of issued invoices with deferred payment terms. The factoring company (the factor) pays you most of the invoice value straight away (up to 100% of the net amount), and settlement happens once your customer pays. This way you do not wait 30–90 days for your own money.
How much does factoring cost?
The cost is usually a commission charged on the invoice value for each financing period (most often 30 days) — in online factoring typically from about 1% to 3% of the invoice value per month, depending on the limit, the term and the counterparty risk. Before signing, also compare fees for extending financing and any fixed charges.
What is the difference between disclosed and non-notification factoring?
In disclosed (open) factoring your customer is informed about the assignment and pays directly to the factor. In non-notification (silent) factoring the customer does not know about the financing — they pay into your account, and you settle with the factor. Silent factoring is better for your image but usually more expensive.
Is factoring available to sole traders?
Yes. Online factoring serves sole traders and micro-businesses that issue B2B invoices with deferred payment terms — often without requiring a long trading history, because the factor mainly assesses the counterparty's reliability. It is an alternative to a loan when a business lacks creditworthiness.
