eFaktor
eFaktor S.A. is a Polish non-bank factoring company providing receivables-based working capital financing to micro, small, and medium-sized enterprises across Poland via a proprietary digital platform, with financing limits up to 15 million PLN and over 2 billion PLN in annual invoice buyouts.
- Company typePrivate
- Founded2015
- HeadquartersWarszawa, Poland
- Headcount11–50
- GTM typeB2B
- OfferingServices
What eFaktor does
eFaktor S.A. is a Polish non-bank factoring company headquartered in Warsaw that provides receivables-based working capital financing to micro, small, and medium-sized enterprises (MŚP) across Poland. Founded around 2015, the company operates a proprietary digital factoring platform integrated with the Kalypso client onboarding system, enabling paper-light onboarding (two documents) and same-day funding decisions, with up to 500,000 PLN disbursed within 24 hours as standard.
The company offers six core factoring products — classical, small business (targeting companies with 2–10 million PLN annual turnover), reverse, export, terminal-based, and silent/confidential — covering financing limits up to 15 million PLN per client. Its go-to-market is a consultative, advisor-led sales motion supported by a content-rich website, interactive needs-assessment questionnaire, multi-channel digital marketing (including a Strefa Wiedzy knowledge center), and a Partner Program for accountant and bookkeeper referrals. Revenue is generated through transaction fees and commissions on financed invoices plus interest on advances.
By 2023 eFaktor had scaled annual invoice buyouts to over 2 billion PLN — a more than tenfold increase from 91 million PLN in 2017 — and had financed approximately 64,000 invoices cumulatively. The company is a member of the Polish Factoring Association, holds consecutive Diamenty Forbes recognition (2025 and 2026) and Faktor Roku 2025, and received a financing package from Accession Capital Partners in October 2024 to support continued scaling. Piotr Gasiorowski is co-founder and CEO.
eFaktor firmographics
Firmographics- Name
- eFaktor
- Legal name
- eFaktor S.A.
- Website
- https://efaktor.com.pl
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- eFaktor S.A. is a Polish non-bank factoring company providing receivables-based working capital financing to micro, small, and medium-sized enterprises across Poland via a proprietary digital platform, with financing limits up to 15 million PLN and over 2 billion PLN in annual invoice buyouts.
- Ownership category
- akta.pro rank
eFaktor industry classification
Industry- Product category
- Invoice Factoring (Commercial Finance)
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), A2A Collections & Direct Account Funding (FSAMAFAH)
Keywords
Where eFaktor is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
eFaktor business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Faktoring klasyczny (Classical factoring): The primary and most widely used factoring product. eFaktor purchases unpaid invoices from clients, providing immediate cash flow. This is the cheapest and most accessible factoring product offered, with no sector exclusions. Revenue is generated through factoring commissions and financing fees charged on the advanced invoice amount.
- Faktoring odwrotny (Reverse/buyer-driven factoring): Enables clients to finance their purchases from suppliers by having eFaktor pay the supplier immediately and extend payment terms to the client. Generates revenue through transaction fees on the financed purchase invoices.
- Faktoring eksportowy (Export factoring): Financing for international transactions with foreign counterparties. Revenue model based on transaction fees and commissions, with additional risk pricing for cross-border receivables.
- Faktoring dla małych firm (Small business factoring): Tailored for companies with annual revenues between 2,000,000 PLN and 10,000,000 PLN. Provides factoring services with terms and pricing adapted to the lower turnover segment.
- Faktoring z terminalem (Factoring with payment terminal): Designed for businesses where the majority of turnover comes from card transactions, combining POS terminal settlement with factoring for improved cash flow.
- Faktoring cichy (Silent/confidential factoring): For clients requiring discretion or where assignment prohibition clauses exist in contracts with buyers. Revenue generated via factoring commissions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Faktoring do 300,000 PLN — Micro and small business factoring tier |
| Transaction based/ take rate | Pay-as-you-go | Faktoring 300,000–500,000 PLN — Small business factoring tier |
| Transaction based/ take rate | Pay-as-you-go | Faktoring 500,000–1,000,000 PLN — SME financing tier |
| Transaction based/ take rate | Pay-as-you-go | Faktoring 1,000,000–5,000,000 PLN — Mid-market factoring tier |
| Transaction based/ take rate | Pay-as-you-go | Faktoring 5,000,000–15,000,000 PLN — Upper mid-market / large SME tier |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
eFaktor product offering
Product offeringCore offering
eFaktor purchases unpaid invoices from Polish small and medium enterprises, advancing immediate cash against receivables that would otherwise be tied up in extended B2B payment terms. Through its proprietary Kalypso platform and a team of financial advisors, it delivers six factoring products — classical, small business, reverse, export, terminal-based, and silent — with financing limits up to 15 million PLN per client and same-day funding capability.
Product overview
eFaktor offers the widest portfolio of factoring services in Poland, providing financing up to 15,000,000 PLN. The product lineup includes six core offerings: Faktoring klasyczny (Classic Factoring) as the most affordable and accessible option launched within 24 hours; Faktoring dla małych firm for businesses with 2-10 million PLN annual turnover; Faktoring odwrotny (Reverse Factoring) for financing company purchases; Faktoring z terminalem for businesses with majority card transactions; Faktoring cichy (Silent Factoring) for confidentiality needs; and Faktoring eksportowy (Export Factoring) for international trade. All services are delivered through the company's proprietary online factoring platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Faktoring klasyczny (Classic Factoring)
Quantifiable outcome
- Finansowanie faktur o wartości ponad 2 mld PLN rocznie
- +3 more outcomes
Companies that use eFaktor
Customer profileNamed customers1 record
Segments9 records
Ideal customer profiles2 records
eFaktor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
eFaktor partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
eFaktor competitors and assessment
Company assessmentEmerging players
- OnDeck: Digital SMB lender offering working capital and invoice financing with fast turnaround, mirroring eFaktor's speed-and-simplification value proposition for small business borrowers.
- Revolut Business: European fintech offering B2B payment and working capital products to SMEs; increasingly overlaps with factoring-adjacent receivables financing through its expanding financial product suite.
- Fundbox: US-based digital SMB financing platform offering invoice and working capital financing; comparable business model and target customer segment (small businesses needing fast working capital) but operates in different geography.
Direct peers
- Pragma Faktoring: Polish non-bank factoring company listed on the WSE, directly competing with eFaktor across classical, reverse, and export factoring for Polish SMEs with comparable product breadth and target segments.
- ING Commercial Finance Poland: Bank-affiliated factoring arm providing receivables financing to Polish businesses with competitive cost of funds; overlaps with eFaktor's SME-targeting classical and reverse factoring products.
- FactorWise (formerly Idea Faktoring): Polish factoring company serving SME and mid-market clients with classical and reverse factoring, directly competing with eFaktor in the Polish non-bank factoring segment.
- Finea (BNP Paribas Group): Polish non-bank factoring subsidiary of BNP Paribas offering classical, reverse, and international factoring to SMEs — direct competitor leveraging parent bank's funding cost advantage.
- Bibby Financial Services Poland: Polish arm of UK-based Bibby Financial Services offering factoring and invoice discounting to SMEs; competes head-to-head with eFaktor in classical and international factoring.
- SEB Commercial Finance: European bank-affiliated factoring provider operating in Poland and the Baltic region with comparable receivables financing offerings for SMEs and mid-market clients.
- mFaktoring (Bank Millennium): Polish factoring company owned by Bank Millennium providing full-service invoice financing to Polish enterprises, directly competing for the same MŚP client base as eFaktor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
eFaktor social profiles
Digital presenceeFaktor compliance and trust
Trust signalCompliance4 records
eFaktor financial estimates
Financial estimateRevenue estimate
Valuation estimate
eFaktor leadership team
Management profileNumber of profiles
Profiles1 record
eFaktor funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
eFaktor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about eFaktor
What does eFaktor do?
eFaktor purchases unpaid invoices from Polish small and medium enterprises, advancing immediate cash against receivables that would otherwise be tied up in extended B2B payment terms. Through its proprietary Kalypso platform and a team of financial advisors, it delivers six factoring products — classical, small business, reverse, export, terminal-based, and silent — with financing limits up to 15 million PLN per client and same-day funding capability.
Is eFaktor a public or private company?
eFaktor is a private company. It is classified as venture growth investor backed and is currently operating.
When was eFaktor founded?
eFaktor was founded in 2015. It employs 11 to 50 people.
Where is eFaktor based?
eFaktor is headquartered in Warszawa, Poland, in the Europe region.
How does eFaktor make money?
Six revenue lines are on record. Faktoring klasyczny (Classical factoring) is the primary driver. The others are faktoring odwrotny (Reverse/buyer-driven factoring), faktoring eksportowy (Export factoring), faktoring dla małych firm (Small business factoring), faktoring z terminalem (Factoring with payment terminal) and faktoring cichy (Silent/confidential factoring).
Who are eFaktor's main competitors?
Emerging players on record are OnDeck, Revolut Business and Fundbox. Direct peers are Pragma Faktoring, ING Commercial Finance Poland, FactorWise (formerly Idea Faktoring), Finea (BNP Paribas Group), Bibby Financial Services Poland, SEB Commercial Finance and mFaktoring (Bank Millennium).
Does eFaktor have an API?
No public API is recorded for eFaktor.
What industry is eFaktor in?
eFaktor's product category is Invoice Factoring (Commercial Finance). Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 5222 and its SIC code is 6153.