PragmaGO Group Information

PragmaGO Group For nearly 30 years, we’ve been supporting SMEs by providing fast and convenient access to financing—right when they need it. Our mission is to close the financial gap so entrepreneurs can focus on what matters most: growing their business. Thanks to our proprietary technology and the PragmaGO.tech team, we are a leader in embedded lending across the CEE region. Our solutions integrate seamlessly into partner ecosystems, working almost invisibly—yet powerfully. Our core products include: 🔹 Online factoring – quick invoice financing, available either as a one-off or under a framework agreement. 🔹 Merchant Cash Advance – funding available directly where the business operates (e.g., via a payment terminal provider's customer panel). The limit is calculated based on anonymized transaction data, and repayment can be linked to daily incoming payments. 🔹 PragmaPay – the first deferred B2B payment solution in Poland. Businesses shopping online can postpone payment by up to 60 days, with automated decisions issued in as little as 90 seconds. In 2024, we launched our international expansion by acquiring Romanian fintech Omnicredit (Telecredit IFN S.A.), specialized in digital factoring. The PragmaGO Group includes: • PragmaGO S.A. – financial institution • PragmaGO.tech – our in-house software development team • Monevia sp. z o.o. – invoice discounting expert • Telecredit IFN S.A. (Omnicredit) – digital lending in Romania