Finea
Finea S.A. is a Warsaw-based Polish fintech providing fully online invoice factoring (faktoring) for micro and small enterprises, sole proprietors, and the transport and logistics sector, using a proprietary JPK-integrated scoring engine to deliver 15-minute funding on transactions up to 300,000 PLN.
- Company typePrivate
- Founded2019
- HeadquartersWarszawa, Poland
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Finea does
Finea S.A. is a Polish fintech company founded in March 2019 as a joint venture between Tomasz Domagalski (former head of Finiata Poland) and eFaktor, an established factoring company. Headquartered in Warsaw, Finea operates a fully online invoice financing (faktoring) platform targeting micro and small enterprises, sole proprietors, freelancers, and the Polish transport and logistics sector that traditional factors and banks underserve. Its core products include Faktoring z limitem (factoring with a standing credit limit), Faktoring na żądanie (on-demand per-invoice factoring), Mikrofaktoring for the smallest clients, Faktoring dla transportu (a TSL-specialized variant with limits up to 300,000 PLN), and Skonto Finea (a freight forwarder-embedded financing product for carrier networks).
The company runs on a proprietary technology stack centered on an automated credit scoring engine that integrates JPK (Standard Audit File) financial data with bank account statements — a method the company describes as unique on the Polish market and that avoids requiring customers to log into their bank through Kontomatik as competitors do. The platform supports end-to-end digital onboarding in approximately 1 hour, automated credit decisions, and fund disbursement in as fast as 15 minutes, with financing advances of up to 90% of gross invoice value. Distribution is multi-channel: a self-serve web application (app.kalypso.pl/finea), an inside-sales advisor team, a broker/partner program, and the Skonto freight-forwarder channel.
Finea generates revenue entirely through transaction-based fees on each financed invoice — a 2-4% commission on the financed amount, plus discount charges (1-5%), optional accounts receivable monitoring fees (1-5%), and risk premiums for full-factoring arrangements — with no subscription or fixed monthly costs. The company operates exclusively in Poland with 1-10 employees, registered capital of 100,000 PLN, and no disclosed external institutional funding rounds; its growth capital derives from its parent eFaktor group, which also handles larger-ticket clients (up to 5 million PLN) that graduate from Finea's micro-factoring origination.
Finea firmographics
Firmographics- Name
- Finea
- Legal name
- Finea S.A.
- Website
- https://finea.pl
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Finea S.A. is a Warsaw-based Polish fintech providing fully online invoice factoring (faktoring) for micro and small enterprises, sole proprietors, and the transport and logistics sector, using a proprietary JPK-integrated scoring engine to deliver 15-minute funding on transactions up to 300,000 PLN.
- Ownership category
- akta.pro rank
Finea industry classification
Industry- Product category
- Invoice Factoring Services
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
- akta.pro secondary industry
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
Keywords
Where Finea is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Finea business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Factoring Commission (Provisja faktoringowa): Finea charges a commission (prowizja) on each financed invoice. The commission is calculated on the financed amount and is the single fee charged per transaction. Commission rates range from 2% to 4% for standard automated processing, with individual transactions priced based on risk assessment. Pricing is dynamic and adjusts in real-time based on changes in risk evaluation of financed transactions.
- Discount Charges: Discount (dyskonto) fees are charged when the factoring company pays out an advance on the invoice. Discount rates typically range from 1% to 5% of invoice value depending on payment term and transaction risk. In some cases both administrative and discount fees are charged together, providing a simplified cost structure for clients.
- Accounts Receivable Monitoring Fees: For full factoring services that include debt collection management, Finea charges additional fees for monitoring payments, reminders on overdue amounts, and potential collection activities. These fees range from 1% to 5% of invoice value depending on the outstanding amount.
- Risk Premium (in Full Factoring): When Finea assumes the credit risk of the debtor's insolvency (full factoring without recourse), an additional risk premium is charged. The fee depends on the debtor's credit assessment and the risk profile of the transaction. Often incorporated into the overall commission in full factoring arrangements.
- Additional Service Fees: Additional fees may be charged for specific services such as invoice issuance on demand, extension of financing period when invoice payment is delayed, changes to contract terms, and return of receivables if an invoice is not paid within the required timeframe.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Invoice Factoring Commission: 2% to 4% of financed invoice amount |
| Transaction based/ take rate | Pay-as-you-go | Advance Rate: 90% of gross invoice value |
| Transaction based/ take rate | Pay-as-you-go | Factoring Commission (broker/partners): 0.5% to 3% per invoice |
| Transaction based/ take rate | Pay-as-you-go | Discount (Dyskonto): 1% to 5% of invoice value |
| Transaction based/ take rate | Pay-as-you-go | Accounts Receivable Monitoring: 1% to 5% of invoice value |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Finea product offering
Product offeringCore offering
Finea is a Polish fintech that provides online invoice factoring (faktoring) for micro and small enterprises. Through a fully digital web platform, businesses submit invoices and receive an advance of up to 90% of the gross invoice value within as little as 15 minutes. The offering includes factoring with a standing credit limit (Faktoring z limitem), on-demand per-invoice factoring (Faktoring na żądanie), micro-factoring for sole proprietors (Mikrofaktoring), a transport-sector variant (Faktoring dla transportu), and a Skonto solution for freight forwarders (Skonto Finea).
Product overview
Finea is a fintech company providing online factoring (faktoring) services for businesses in Poland. The core offering consists of three main products: Faktoring z limitem (factoring with a standing credit limit), Faktoring na żądanie (on-demand per-invoice factoring), and Mikrofaktoring (micro-factoring for micro-enterprises and sole proprietors). These are complemented by Faktoring dla transportu, a specialized variant targeting the transport and logistics (TSL) industry with financing up to PLN 300,000 and payouts as fast as 15 minutes. The platform operates entirely online with automated credit scoring and document processing. Finea is backed by eFaktor and positions itself as a fast, transparent, and flexible alternative to traditional bank financing for businesses facing delayed client payments.
Differentiator
Problem solved
Functional benefit
Products and services
- Faktoring z limitem (Factoring with a Credit Limit) Factoring product with a pre-approved credit limit, allowing businesses to finance invoices up to the assigned limit amount on an ongoing basis. Designed for SMEs that want a reusable financing facility rather than one-off transactions.
- Faktoring na żądanie (On-demand Factoring) On-demand factoring service enabling businesses to finance individual invoices selectively without a standing credit limit, suited to one-off working capital needs.
- Mikrofaktoring (Micro-factoring) Micro-factoring service tailored for micro-enterprises and sole proprietors (JDG), offering smaller financing amounts (initial limits from 25,000 PLN) with simplified requirements and fast online processing.
- Faktoring dla transportu (Factoring for Transport) Specialized factoring service for the Polish transport and logistics (TSL) industry, enabling carriers and freight forwarders to finance invoices for transport services with payouts as fast as 15 minutes and financing up to 300,000 PLN. Includes silent factoring (faktoring cichy) for assignment-prohibited contracts and CMR-based financing.
- Skonto Finea A Skonto solution for freight forwarding companies that enables quick payment to carriers without tying up the forwarder's own capital. Finea acts as the financing operator, offering financing to carriers within a global limit framework.
Quantifiable outcome
- Advance of up to 90% of gross invoice value disbursed in 15 minutes
- +4 more outcomes
Companies that use Finea
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Finea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Finea partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Finea competitors and assessment
Company assessmentDirect peers
- eFaktor: Polish factoring company and parent of Finea. Offers receivables factoring for SMEs in Poland with limits up to 5 million PLN; competes with Finea in the broader Polish SME factoring market while serving as the up-market escalation path for Finea clients.
- Finiata: Berlin-based fintech offering invoice financing and working capital solutions to SMEs and freelancers across Europe. Direct comparable to Finea's micro-factoring model for underserved small businesses; founder Domagalski previously led Finiata Poland.
- Bibby Financial Services Poland: International factor with Polish operations providing invoice factoring and receivables finance to Polish SMEs. Direct competitor in the Polish SME factoring space with broader geographic and product reach than Finea.
- Pragma Faktoring: Polish-listed factoring company (PRAGMA FA) serving SMEs with invoice financing, debt collection, and credit insurance. Public peer providing market validation and comparable benchmarks for Finea's SME factoring model.
- mFaktoring: Polish online factoring platform targeting SMEs with quick invoice financing. Closely comparable offering to Finea's mikrofaktoring product and a direct digital competitor in the Polish micro-factoring niche.
- Nationale Faktoring (NFG): Polish factoring company providing online factoring services to SMEs across various sectors. Direct competitor in the Polish online factoring space with comparable target customer segments.
Broad incumbents
- ING Commercial Finance (Poland): Bank-affiliated factoring arm of ING Bank Śląski offering receivables financing to Polish businesses. Broader incumbent with deeper balance sheet but less specialized in micro-enterprise segment that Finea targets.
- Pekao Faktoring: Factoring subsidiary of Bank Pekao, one of Poland's largest banks. Provides full-service factoring to mid-market and larger SMEs; competes indirectly with Finea at the upper end of its target market.
Emerging players
- Fundingscout / Factoring Scout platforms: Polish comparison and broker portals that route SME financing applications to multiple factors including Finea. Competes for the same end customer via a marketplace model rather than direct lending.
Regional players
- Alban Faktoring: Polish factoring company providing receivables financing to SMEs primarily in western Poland. Comparable SME-focused factoring business operating in adjacent Polish regions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Finea social profiles
Digital presenceFinea compliance and trust
Trust signalCompliance1 record
Finea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finea leadership team
Management profileNumber of profiles
Profiles2 records
Finea funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finea 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 Finea
What does Finea do?
Finea is a Polish fintech that provides online invoice factoring (faktoring) for micro and small enterprises. Through a fully digital web platform, businesses submit invoices and receive an advance of up to 90% of the gross invoice value within as little as 15 minutes. The offering includes factoring with a standing credit limit (Faktoring z limitem), on-demand per-invoice factoring (Faktoring na żądanie), micro-factoring for sole proprietors (Mikrofaktoring), a transport-sector variant (Faktoring dla transportu), and a Skonto solution for freight forwarders (Skonto Finea).
Is Finea a public or private company?
Finea is a private company. It is classified as corporate owned and is currently operating.
When was Finea founded?
Finea was founded in 2019. It employs 1 to 10 people.
Where is Finea based?
Finea is headquartered in Warszawa, Poland, in the Europe region.
How does Finea make money?
Five revenue lines are on record. Factoring Commission (Provisja faktoringowa) is the primary driver. The others are discount Charges, accounts Receivable Monitoring Fees, risk Premium (in Full Factoring) and additional Service Fees.
Who are Finea's main competitors?
Direct peers on record are eFaktor, Finiata, Bibby Financial Services Poland, Pragma Faktoring, mFaktoring and Nationale Faktoring (NFG). Broad incumbents are ING Commercial Finance (Poland) and Pekao Faktoring. Fundingscout / Factoring Scout platforms is listed as an emerging player. Alban Faktoring is listed as a regional player.
Does Finea have an API?
No public API is recorded for Finea.
What industry is Finea in?
Finea's product category is Invoice Factoring Services. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 5222.