Do you want to finance an invoice, but there is a ban on the assignment of receivables in the transport order? A loan is a product that solves this problem. We will finance your invoice despite the prohibition of assignment. You must pay off the loan yourself by the due date.
The loan can be used by any company from the TSL industry registered in Poland or Romania, which has been operating on the market for at least 6 months.
The most important differences between these services are:
In microfactoring, the financing limit at the beginning of cooperation is PLN 50 000. In a loan it is PLN 30 000 with the possibility of increasing during the cooperation, depending on the client's payment reliability.
In microfactoring, we have three price levels depending on the number of financing days: 2.99% up to 30 days, 5.49% up to 60 days and 5.99% above 60 days. In the case of a loan, the commission rate is from 6.59%. The minimum cost of financing an invoice in microfactoring is PLN 129.00, and for a loan it is PLN 139.99.
The customer's repayment obligation
In microfactoring, we pay out funds to the client and the repayment is made by the contractor to whom the invoice was issued. The loan is repaid by the customer.
To get a loan, all you need to do is sign a microfactoring agreement. Using both services you submit an invoice for financing online and attach a transport order to the application. If the order includes a non-assignment clause, we will finance your invoice with a loan. You can sign a microfactoring contract in a few minutes using the Customer Service Dashboard.
First, create a free account, and then sign an online invoice financing agreement. If your company is registered in Poland, you will confirm the signing of the contract by bank transfer for the amount of PLN 1. Make the transfer from your company's bank account. After activating the contract, we will refund this amount to you. Signing the contract does not oblige you to use the service on a regular basis.
The funding limit depends on several factors. The customer's payment history and timely repayment of previous loans are important to us.
No, we do not analyze the customer's creditworthiness, but we take into account the customer's payment reliability. Using a loan also does not have a negative impact on the company's creditworthiness.
