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Loan

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 pay off the loan yourself, but we give you an additional 14 days (counted from the payment date on the invoice) to repay it.

 

What are the benefits for your company from a Transcash loan?

The possibility of financing invoices with a non-assignment
Financing of foreign invoices
High financing limit from PLN 30,000 to even PLN 100,000
Discretion - we do not inform your contractor that you are using financing

Loan calculator

Calculate the commission for financing invoices

1. Currency

2. Gross invoice amount

100 PLN

50 000 PLN

PLN

3. Number of financing days

1 day

70 days

days

The presented calculations are for information purposes only and do not constitute an offer within the meaning of art. 66 of the Civil Code. The final amount of the commission may differ from the presented above, as it is calculated on the basis of the analysis of the documents received.

You will receive on your account

EUR 5000
Gross

Financing cost

EUR 99.5
Net

The presented calculations are for information purposes only and do not constitute an offer within the meaning of art. 66 of the Civil Code. The final amount of the commission may differ from the presented above, as it is calculated on the basis of the analysis of the documents received.

Product features

Financing of invoices with a non-assignment
Yes
Financing of foreign invoices
Yes
Financing limit
From PLN 30,000 to PLN 100,000
Withdrawal amount
100% of the gross invoice value
Method of settlement
The commission is payable at the end of the month

Product features

Financing of invoices with a non-assignment
Yes
Financing of foreign invoices
Yes
Financing limit
From PLN 30,000 to PLN 100,000
Withdrawal amount
100% of the gross invoice value
Method of settlement
The commission is payable at the end of the month

How does it work?

1
Step
You issue an invoice for the transport performed
2
Step
You add the invoice scan in the client service dashboard
3
Step
We prepare the loan offer. After your approval, we transfer the money to your account
4
Step
You pay off the loan. You have an additional 14 days for repayment, counted from the payment date on the invoice

How much does the loan cost?

Granting or increasing the financing limit
PLN 0
Commission for financing the invoice
6,59%
minimum commission amount: PLN 139.99

How much does the loan cost?

Granting or increasing the financing limit
PLN 0
Commission for financing the invoice
6,59%
minimum commission amount: PLN 139.99

What documents do you need to prepare?

To grant you a loan to finance an invoice, we need copies of the following documents:
VAT invoice
International Consignment Note (CMR)
Transport order
You can attach all documents in the Customer Service Dashboard.

We finance invoices issued to payers from Poland and abroad

Country of the invoice issuer
Country of the invoice payer
Country of the invoice issuer
Poland
Country of the invoice payer
whole Europe

Common questions

Who can use the loan at Transcash?

The loan can be used by any company from the TSL industry, registered in Poland, which has been operating on the market for at least 6 months.

What is the difference between a loan and microfactoring?

The most important differences between these services are:

  • Financing limit

In microfactoring, the financing limit at the beginning of cooperation is PLN 50,000, in a loan - PLN 30,000 with the possibility of increasing during the cooperation, depending on the client's payment reliability.

  • Price

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 is always 6.59%. The minimum cost of financing an invoice in microfactoring is PLN 129, 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.

 

How can I sign a loan agreement?

To get a loan, all you need to do is sign a microfactoring agreement. You submit an invoice for financing in both services 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. You will confirm the signing of the contract by bank transfer for the amount of PLN 1. Make the transfer from a company account. After activating the contract, we will refund this amount to your company's account. Signing the contract does not oblige you to use the service on a regular basis.

What determines the amount of the loan financing limit?

The funding limit depends on several factors. The customer's payment history or timely repayment of previous loans are important to us.

Do you check my creditworthiness before granting a loan?

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.

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