Idea Money

What Idea Money does

FaktorOne, the operating brand of FaktorOne S.A. (associated with Idea Money S.A.), is a Warsaw-based Polish factoring company founded in 2012 that provides accounts receivable financing primarily to small and medium enterprises. Its core offering is a portfolio of factoring products — full, silent, reverse, domestic, global, export, recourse, and online factoring — supplemented by industry-specific solutions targeting transport, construction, staffing, manufacturing, trade and services, HoReCa, startups, and sole proprietors (JDG/freelancers). Each client relationship centers on a single product tailored to invoice volume, payment terms, and risk preference.

The business runs on the FaktorOne24 digital platform, which supports online invoice submission, real-time account monitoring, and an interactive factoring calculator; the firm commits to fund disbursement within 24 hours of invoice submission and offers per-client limits up to 3.5 million PLN. Pricing is transaction-based and usage-style, disclosed at roughly 1 PLN per day per 1,000 PLN financed, with no hidden fees; the firm also provides collection monitoring and debt recovery support. Distribution is multi-channel: direct website inquiry, an inside sales team handling phone and email, a self-service platform for existing clients, and a partner referral program.

Revenue is generated from transaction fees on financed invoices, and the firm reports managing 100 million PLN of receivables per month. The company employs 101-250 people, operates exclusively in Poland, holds membership in the Polski Związek Faktorów (Polish Factors Association), and is a 2023 recipient of the Firma Przyjazna Klientowi (Customer Friendly Company) recognition. No revenue, funding, M&A, or management information was disclosed in the source data.

Name

Idea Money

Legal name

FaktorOne S.A.

Website

https://ideamoney.pl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

FaktorOne, the brand of FaktorOne S.A. (Idea Money), is a Warsaw-based Polish factoring company that provides accounts receivable financing — up to 3.5 million PLN per client with 24-hour disbursement — to SMEs across transport, construction, manufacturing, staffing, HoReCa, trade, and other verticals via the FaktorOne24 digital platform.

Ownership category

akta.pro rank

Product category

Commercial Factoring Services

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK)

Keywords

• Commercial factoring services
• Accounts receivable financing
• Invoice discounting
• Small business cash flow
• Online 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. Factoring Fees: Transaction-based fees charged on financed invoices. Fees calculated based on invoice amount and number of days until payment, with transparency and no hidden costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Idea Money, operating as FaktorOne, provides accounts receivable factoring services that convert unpaid invoices into immediate working capital for Polish businesses. The company offers a broad product range including Full, Silent, Reverse, Domestic, Global, Export, Recourse, and Online Factoring, plus industry-specific variants for transport, construction, manufacturing, staffing, trade, HoReCa, SMEs, freelancers, and startups. Financing limits reach 3.5 million PLN per client and funds are typically disbursed within 24 hours, with the entire process managed through the FaktorOne24 online platform.

Product overview

FaktorOne is a factoring company offering a comprehensive portfolio of accounts receivable financing solutions. The core offering consists of multiple factoring product variants including Full Factoring, Silent Factoring, Reverse Factoring, Domestic Factoring, Global Factoring, Export Factoring, Factoring with Recourse, and Online Factoring. These products are complemented by industry-specific solutions targeting 10+ sectors including transport, construction, manufacturing, trade, services, SMEs, freelancers/JDG, HoReCa, and startups. The platform provides funding up to 3.5 million PLN with processing within 24 hours and manages receivables worth 100 million PLN monthly.

Differentiator

Problem solved

Functional benefit

Products and services

• Faktoring pełny (Full Factoring) Full factoring service providing complete accounts receivable financing with full protection against debtor default. Targeted at Polish businesses seeking comprehensive receivables management and risk transfer.
• Faktoring cichy (Silent Factoring) Silent factoring service where the debtor is not notified of the factoring arrangement, allowing the seller to maintain the direct customer relationship. Targeted at businesses that want financing without informing their customers.
• Faktoring odwrotny (Reverse Factoring) Reverse factoring solution allowing buyers to extend payment terms while suppliers receive early payment. Targeted at buyer-supplier pairs looking to optimize supply chain working capital.
• Faktoring krajowy (Domestic Factoring) Factoring service for domestic transactions within Poland. Targeted at Polish businesses transacting with Polish customers.
• Faktoring globalny (Global Factoring) International factoring service covering cross-border transactions. Targeted at Polish businesses trading with foreign customers.
• Faktoring eksportowy (Export Factoring) Factoring service designed for export transactions to help exporters receive payment faster. Targeted at Polish exporters needing accelerated cross-border receivables conversion.
• Faktoring z regresem (Factoring with Recourse) Factoring arrangement where the factor can reclaim payment from the seller if the debtor defaults. Targeted at businesses willing to retain debtor credit risk in exchange for lower fees.
• Faktoring online (Online Factoring) Digital factoring service enabling online submission and processing of invoices with funds available within 24 hours. Targeted at SMEs and freelancers seeking fast, paperless financing.
• Faktoring szyty na miarę (Custom Factoring) Customized factoring solutions tailored to specific industry needs. Targeted at businesses with unique receivables profiles that do not fit standard products.
• FaktorOne24 Client Platform

Quantifiable outcome

• Funds disbursed within 24 hours of invoice submission
• +2 more outcomes

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Polski Związek Faktorów (Polish Factors Association)minorOthersMembership in the Polish Factors Association, indicating participation in industry self-regulation and best practice standards for the factoring industry in Poland.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/IdeaMoney.dla.firm
• LinkedInlinkedin.com/company/idea-money-sa
• Instagraminstagram.com/faktorone.pl
• Xx.com/ideamoneysa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Idea Money