Money Run

What Money Run does

Money Run sp. z o.o. is a Kraków-based non-bank financial intermediary founded in 2019 by Łukasz Jarząbek. The company operates a multi-sided platform that connects borrowers — primarily Polish SMEs, farmers, and individuals holding real estate collateral — with a network of 40+ non-bank funds and private investors. Money Run's core differentiator is its ability to arrange financing for clients rejected by traditional banks due to poor BIK, KRD, or BIG histories, ZUS/US arrears, or insufficient credit track record, by simultaneously submitting applications across dozens of non-bank funding sources rather than processing them sequentially.

The product portfolio spans seven core offerings: mortgage loans (PLN 100,000 to PLN 100,000,000, 3–24 month terms, LTV up to 60%), unsecured business loans (up to PLN 500,000), farmer loans (PLN 100,000–1,500,000), asset-backed loans secured by movable property, BIK credit clearing combined with bridge financing, leasing (vehicles, machinery, IT, furnishings), and factoring (domestic and export, up to 90% of invoice value). Operational cycle from application to fund disbursement is 2–4 weeks. The platform delivers its proprietary features — parallel multi-fund analysis, full-process guidance from situation analysis through notarization, and BIK-clearance integration — primarily through human expert advisors backed by a dedicated analysis department.

Revenue is generated via transaction-based fees on arranged loan originations. Distribution occurs through three channels: direct expert consultation, a self-serve online application portal, and a nationwide broker network (Strefa Pośrednika) that pays intermediaries 0.2%–4% commissions on net loan value within 7 days of signing. A dedicated Investor Zone (Strefa Inwestora) sources private capital, and the firm runs a Broker Academy (Akademia Pośrednika Finansowego) to develop intermediary talent. As of the latest data, Money Run reports 233 satisfied clients served since founding and operates with a 1–10 person team; revenue, funding, and headcount growth figures are not publicly disclosed.

Name

Money Run

Legal name

Money Run sp. z o.o.

Website

https://moneyrun.pl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Money Run is a Kraków-based non-bank financing intermediary, founded in 2019, that connects Polish SMEs, farmers, and property-owning individuals with 40+ non-bank funds and private investors, arranging mortgage loans, unsecured loans, factoring, and leasing for borrowers rejected by traditional banks.

Ownership category

akta.pro rank

Product category

Non-bank lending and alternative financing

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Non-bank financing
• Mortgage lending
• Invoice factoring
• Leasing services
• Credit repair

Headquarters

HQ city

Kraków

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination Fees: Money Run earns fees from arranging financing between borrowers and private investors/funds. The company charges commission on completed loan transactions.
2. Broker Commissions: Financial brokers earn commissions ranging from 0.2% to 4% of net loan value when they submit successful applications. Payments are typically made within 7 days of contract signing.
3. Factoring Services: Factoring services for businesses to access funds from unpaid invoices, offering up to 90% of invoice value upfront.
4. Leasing Facilitation: Facilitation of leasing arrangements for vehicles, machinery, and equipment through partner lessors.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Money Run is a Polish non-bank financing intermediary that connects businesses, individuals, and farmers with dozens of private investors and non-bank funds to arrange mortgage loans, unsecured loans, asset-backed loans, leasing, factoring, and BIK credit clearing. The company submits each application simultaneously to 40+ financing institutions, providing end-to-end guidance from situation analysis through contract signing and fund disbursement, typically within 2–4 weeks.

Product overview

Money Run is a Polish non-bank financing company offering a comprehensive portfolio of financial products. The core offering includes secured and unsecured mortgage loans, loans for farmers, asset-backed loans, BIK credit clearing services, leasing, and factoring. The company positions itself as an alternative to traditional banking, serving businesses and individuals who may have been rejected by banks. The products are delivered through a network of financial brokers and private investors, with the company acting as an intermediary that guides clients through the entire financing process from application to fund disbursement.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loans (Pożyczki Hipoteczne) Property-secured financing for individuals and businesses, offering loans from PLN 100,000 to PLN 100 million with interest rates starting from 7.2% annually, LTV up to 60% of collateral value, and financing periods of 3-24 months. Used for investment, debt repayment, refinancing, and business development.
• Unsecured Loans (Pożyczka bez hipoteki) Flexible unsecured loans for individuals and businesses without mortgage collateral, up to PLN 500,000 for businesses (requiring minimum 6 months of operation) and up to PLN 200,000 for individuals with mortgage collateral. Usable for debt repayment, ZUS/US arrears, machinery purchase, or business restocking.
• Loans for Farmers (Pożyczki dla rolników) Rapid and flexible financing for farmers, with mortgage-backed loans up to PLN 1.5 million and non-mortgage loans from PLN 100,000 to PLN 200,000. Used for agricultural land purchase, machinery, equipment, feed, livestock, or debt repayment including KRUS/US arrears.
• Asset-Backed Loans (Pożyczki pod ruchomości) Loans secured by movable assets such as vehicles, machinery, or equipment without requiring mortgage collateral. Provides rapid decisions with minimum documentation for businesses and individuals.
• BIK Credit Clearing (Wyczyszczenie BIK) Credit repair service that removes outdated BIK entries and offers bridge loans without BIK verification to help clients regain creditworthiness. Includes combined bridge financing to enable clients to improve credit history while obtaining immediate funding.
• Leasing (Leasingi) Comprehensive leasing solutions for vehicles, machinery, IT equipment, and furnishings for businesses and individuals, including consumer leasing. Facilitated through partner lessors with Money Run managing the arrangement.
• Factoring (Faktoring) Invoice financing service providing up to 90% of invoice value upfront for financing amounts from PLN 100,000 to PLN 20 million. Includes domestic and export factoring with protection against contractor insolvency. Used to maintain liquidity, finance new orders, and avoid payment delays.

Quantifiable outcome

• Typical financing process completion: 2-4 weeks from application to disbursement
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Extraportfel.pl: Polish loan comparison and intermediary platform aggregating non-bank loan offers. Comparable to Money Run's intermediation model — channeling borrowers to multiple non-bank lenders and earning origination-style fees.
• SMEO S.A. Polish online platform aggregating non-bank financing offers for SMEs from multiple lenders. Comparable to Money Run as a multi-lender SME financing intermediary with similar GTM around digitization and broker reach.
• AIQLabs / Wonga Poland: Brand of AIQLabs operating non-bank consumer/SME lending in Poland. Comparable to Money Run in the Polish non-bank digital credit segment serving borrowers turned away by banks.
• NAVI Group: Polish non-bank financial group active in SME lending and factoring. Comparable to Money Run's factoring and SME term-loan business lines and to its broker-distributed intermediation model in Poland.
• Finbay Group: Polish non-bank lender/intermediary providing SME and consumer loan products distributed via a broker/partner channel. Closely comparable business model to Money Run's broker-driven origination across multiple non-bank capital providers.
• Finiata Sp. z o.o. Polish fintech providing non-bank financing and factoring solutions to SMEs, including those underserved by banks. Directly comparable to Money Run in serving Polish SMEs with subprime or thin credit profiles via working capital and term-loan products.
• Vivus.pl: Polish online non-bank consumer and small-business lender operating with fast digital onboarding. Comparable to Money Run in serving Polish borrowers outside traditional bank channels with rapid decisions, though more consumer-skewed.
• Kredito24.pl: Polish online non-bank lender offering personal and small-business installment loans. Comparable target segment and product set to Money Run's unsecured and small-ticket lending, competing for similar subprime/underserved Polish borrowers.

Broad incumbents

• Provident Polska: Established multinational non-bank consumer/home-credit lender operating broadly across Poland with doorstep and online distribution. Comparable to Money Run's non-bank consumer/SME lending focus but with much broader international scale and household brand recognition.
• PKO Faktoring S.A. Polish factoring subsidiary of one of the country's largest banking groups, offering domestic and export invoice financing. Comparable to Money Run's factoring product line but operating with balance-sheet scale and a broader corporate client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/moneyrunpozyczki
• LinkedInlinkedin.com/company/moneyrun

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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 Money Run