eFaktor

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.

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

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

• Invoice factoring services
• SME working capital
• Non-bank factoring
• Reverse factoring
• Digital factoring platform

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers1 record

Segments9 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging 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

• YouTubeyoutube.com/@eFaktor-Finansowanie_Biznesu
• Facebookfacebook.com/efaktorsa
• LinkedInlinkedin.com/company/efaktor

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about eFaktor