What SuperGrosz does

SuperGrosz is the consumer-facing brand of AIQLABS Sp. z o.o., a Polish online installment lender registered with KNF (Komisja Nadzoru Finansowego) and headquartered in Warsaw. Founded in 2015 and operating exclusively online, the company provides installment loans ranging from 1,000 to 30,000 PLN with repayment terms up to 50 months, plus a credit card product issued by AIQLABS. It targets Polish consumers and small businesses typically excluded from traditional bank credit — including individuals without established credit history (described in the sector as 'credit ghosts'), recipients of non-standard income (800+ benefits, pensions, freelance), and newly registered sole proprietors (JDG) without the operating history banks and leasing companies require. Loan origination, credit decisions, and fund disbursement are conducted by AIQLABS, with Infostom sp. z o.o. acting as the credit intermediary; SuperGrosz functions as the marketing and digital distribution channel under a commission structure.

Name

SuperGrosz

Legal name

AIQLABS Sp. z o.o.

Website

https://supergrosz.pl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

SuperGrosz is the consumer brand of Polish online lender AIQLABS Sp. z o.o., offering 1,000-30,000 PLN installment loans and credit cards via a 100% online platform to consumers and newly registered businesses excluded from traditional bank credit, with automated ~15-minute credit decisioning.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ)

Keywords

• Consumer installment loans
• Online lending platform
• Non-bank lending
• Credit scoring
• Personal finance

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Installment loan interest income: SuperGrosz earns interest income on installment loans ranging from 1,000 to 30,000 PLN with repayment periods up to 50 months. Interest rates are variable, with nominal annual rates starting from 14.50% to 15.50%. Total loan cost includes both interest and commission components.
2. Commission fees: Commission income is generated from loan origination. The company offers a commission discount mechanism (up to 100% of commission) for borrowers who make all repayments on time, effectively using commission as both revenue and a loyalty incentive. Without discount conditions met, full commission per the rate card applies.
3. Credit card products: SuperGrosz also offers a credit card product with associated fees including card issuance fees, monthly credit limit maintenance fees, and interest on carried balances. The credit card is issued by Aiqlabs Sp. z o.o.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

SuperGrosz is an online installment lending platform operating in Poland under Aiqlabs Sp. z o.o., offering consumer installment loans from 1,000 to 30,000 PLN with repayment terms up to 50 months and a specialized business loan (1,000-10,000 PLN) for newly established sole proprietors (JDG). The platform runs a 100% online application process with identity verification via Polish national ID, automated credit decisions in approximately 15 minutes, and same-day fund disbursement. A commission discount program can refund up to 100% of the commission for borrowers who repay all installments on time.

Product overview

SuperGrosz is an online installment loan platform operated by Aiqlabs Sp. z o.o., offering consumer and business financing products. The core product is the installment loan (Pożyczka ratalna online) providing 1,000 to 30,000 PLN with repayment periods up to 50 months. The platform includes specialized variants: Pożyczka na dowód (ID-only verification loan) and Pożyczka dla nowych firm (new business loan 1,000-10,000 PLN), plus a credit card product. A commission discount mechanism (Pakiety i korzyści) provides up to 100% commission refunds for timely repayments. All products feature 100% online application processes with decisions in approximately 15 minutes.

Differentiator

Problem solved

Functional benefit

Products and services

• Pożyczka ratalna online (Online Installment Loan)

Quantifiable outcome

• Decision time: approximately 15 minutes from application to decision
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor, primary, secondary and core.

• Konferencja Przedsiębiorstw Finansowych w Polsce (KPF)minorOthers · 21 May 2018Industry association membership organization operating for nearly 20 years, bringing together dozens of key financial market enterprises. SuperGrosz joined on May 21, 2018. Membership involves commitment to industry development, ethical standards, and customer protection.
• Aiqlabs Sp. z o.o.primaryOthersAiqlabs Sp. z o.o. (registered office: ul. Inflancka 11/27, 00-189 Warsaw, KRS 0000551150, NIP 5252607460, share capital 1,100,000 PLN) is the lender and credit card issuer for SuperGrosz products. SuperGrosz operates as a marketing and distribution channel for Aiqlabs loans. The creditor conducts the actual lending, creditworthiness assessment, and fund disbursement.
• Infostom sp. z o.o.secondaryChannel Partner/ Reseller/ DistributorInfostom sp. z o.o. (ul. Krzemionki 7, 20-314 Lublin, KRS 0000433848) acts as a credit intermediary authorized to present consumer loan offers, process applicant data, transmit loan documents, and in some cases conclude consumer loan agreements on behalf of Aiqlabs. Infostom collaborates with Aiqlabs as the sole creditor.
• Kontomatik sp. z o.o.coreTechnology or IntegrationCertified Open Banking provider enabling secure bank account access for creditworthiness verification. Allows SuperGrosz to analyze borrower transaction history, income patterns, and detect financial risks without requiring paper documentation.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Provident Polska: The largest home-credit provider in Poland, offering both doorstep and online installment loans. Comparable as a broad incumbent in the Polish non-bank consumer credit market with overlapping products (installment loans, longer-term tenors) and shared regulatory perimeter (KNF).
• Klarna: Global BNPL and consumer credit incumbent with operations across Europe including Poland. Comparable as a digital consumer-credit provider competing for the same small-ticket installment borrower; broader portfolio and longer-tenor offerings differ from SuperGrosz's installment-loan core.
• Provident (home credit, broader International Personal Finance): International Personal Finance, the parent of Provident Polska, is one of Europe's largest home-credit groups. Relevant as a broader incumbent that has had to scale down Polish online channels due to regulation, illustrating the regulatory ceiling on the SuperGrosz business model.

Direct peers

• Creamfinance Poland: Polish operation of Latvia-headquartered Creamfinance Group, offering short- and mid-tenor online consumer loans. Directly comparable as a subprime-focused online installment lender using proprietary scoring models and serving the same thin-file Polish borrower segment.
• NetCredit Poland (MFL My Finance): Polish online installment lender targeting consumers seeking fast unsecured credit. Directly comparable on product (online installment loans), customer profile (mass-market Polish consumers, including non-prime), and the digital-only origination model.
• Kuki / Twisto: Polish online lender providing small-ticket installment loans (and BNPL-style products). Directly comparable to SuperGrosz on target segment, ticket sizes, instant-decision digital underwriting, and KNF-regulated non-bank lending model.
• Takto Financial (InCredit Polska): Polish non-bank installment lender (part of the InCredit Group), offering online consumer loans to Polish households. Directly comparable on product (PLN installment loans), digital D2C distribution, and shared KNF-regulated non-bank lender status.
• Aasa Polska: Polish arm of the Aasa Group, offering online installment loans to consumers and small businesses. Directly comparable on product (PLN-denominated installment loans), target (underbanked/Polish retail), digital D2C funnel, and KNF-regulated non-bank lender model.
• Vivus (4finance): One of the largest online installment lenders in Poland, offering short-tenor cash loans (typically 1,000–25,000 PLN) to consumers via a 100% digital application. Directly comparable to SuperGrosz in target segment (underbanked Polish consumers), product (online installment loans), delivery model (D2C website), and revenue model (interest + commission).

Emerging players

• Affirm: US-listed BNPL and consumer credit provider expanding into Europe. Comparable as a digital consumer-credit platform targeting underbanked / credit-rejected segments with alternative underwriting, though with a primarily merchant-funded rather than direct-to-consumer model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/supergrosz

Compliance3 records

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 SuperGrosz