Factoring in Poland

Factoring market in Poland grows very dynamically. Its strength is its high efficiency in solving the everyday business problems. The safety of trading and, consequently, increasing company’s liquidity is crucial point for the development of any business. Factoring meets these needs. That is why it becomes the service of the bettering recognition. The awareness of the benefits it brings find appreciation of the heads of all size of businesses.

At present, over 8,000 customers utilize the factoring facilities. Last year the Polish entrepreneurs had entrusted the factors the receivables amounting PLN 176 billion. This financial service is developing very dynamically, growing on average by 18% y/o/y. This is the proof of growing trust in the services provided by the Factors.

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Pekao Faktoring

Alior Bank
Bank Ochrony Środowiska
Bibby Financial Services
BGŻ BNP Paribas Faktoring
BPS Faktor
Coface Poland Factoring
Eurofaktor Polska
HSBC Bank Polska
Idea Money
IFIS Finance
ING Commercial Finance Polska
KUKE Finance
Bank Millennium
PKO Faktoring
Raiffeisen Polbank
Santander Factoring Sp. z o.o.




UBI Factor


Pragma Faktoring


Arvato Bertelmann




This is a service combines financing on the basis of issued invoices and protection against the risk of buyer’s non-payment. The factoring company assumes the risk of insolvency of client’s contractors. Such a form of factoring is especially recommended for those entrepreneurs who dynamically develop their business in rapidly changing market conditions.

In this case the insurance policy could become collateral. The decision whose insurance policy should be made used as the provision is the subject for factor and the client.


Recourse factoring also ensures that the entrepreneur gets financing on the basis of invoices. However, in this case, it does not eliminate the risk of insolvency of its contractors non-payment. That risk remains on the seller’s side in the event funds cannot be obtained from the contractor.

This service is used by entrepreneurs who know the markets for which they provide their goods or services. By recognizing the prevailing conditions and situations of their contractors as well as the dynamically developing trades, the sellers can afford to preserve some of the risk.



Such a kind of factoring is provided to entrepreneurs registered in Poland, here doing business and offering their goods and services to contractors also registered in this country. Dynamically developing Polish companies are often looking for funding for their day-to-day operations. This facility is of interest to foreign branches operating in Poland.

Domestic factoring may be offered in the form of non-recourse or recourse factoring. Lack of notification upon the transfer of debt causes that the factor has no right to claim payment from the debtor. Therefore, secret factoring is usually applied to good financial partners and high payment morale. The reason why the company chooses to secret factoring is most often the lack of consent of the debtor to the assignment of rights to receivables.


It is a service for domestic exporters, that is, they sell onto foreign markets. This facility is a great way to secure the liquidity. In the practice of international trades, there is often a risk of prolonged terms of payments. Therefore, the possibility of being paid at once – as is in this case, is particularly desirable by entrepreneurs.

Export factoring is the service that is available in the form of non- recourse or recourse basis.


This is a solution for domestic companies dealing with the import of goods to Poland. In this case, the service is based on the cooperation of a Polish factoring company with its factoring company in the export country. The Factor operating in Poland issues guarantees for the protection of claims owed to exporter. This ensures the credibility and solvency of the Polish importer.

This is also a way to increase the negotiating position towards foreign, especially large, contractors.


The debtor is not notified of the factoring contract and is asked to pay the amounts to the other account that in fact is the dedicated factor’s account. This form of factoring applies only to recourse factoring, where the factoring company does not take over the debtor solvency risk. In this model of the service factor has no right to claim payment from the debtor. Therefore, non-notification factoring is usually applied to good financial partners of a high payment morale. The reason why the company chooses to secret factoring is most often the lack of consent of the debtor to the assignment of rights to receivables.


This solution, although dedicated to seller, can also significantly benefit its contractor. This is the form of factoring where the agreement is set up between the factor and a debtor and the factor offers each supplier the possibility to assign/sell (usually without recourse) those receivables that are approved for payment by the debtor. The service is also known as financing the supplies.