Ekassa

Name

Ekassa

Legal name

Prosta Pożyczka Sp. z o.o.

Website

https://ekassa.pl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Online Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Online consumer lending
• Personal loans
• Business loans
• Non-bank lending
• Credit intermediation

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan origination and interest income: Ekassa earns revenue by charging commission (prowizja) and interest on loans disbursed to consumers and business owners. The credit broker Prosta Pożyczka Sp. z o.o. receives compensation from the lender Szybki Kredyt Sp. z o.o. for facilitating loan applications.
2. Affiliate program commissions: Partners earn up to 200 PLN per successfully disbursed loan referred to Ekassa through the partner program, generating customer acquisition revenue for the company.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Ekassa is a Polish online lending platform operated by Prosta Pożyczka Sp. z o.o. that operates as a credit intermediary for personal loans (2,000-30,000 PLN, up to 36 months) and business loans for sole proprietors (up to 100,000 PLN, up to 48 months). The platform provides a fully digital, 24/7 loan application process with no collateral, guarantors, or physical documentation required, serving customers including those rejected by traditional banks.

Product overview

Ekassa is a Polish fintech lending platform operated by Prosta Pożyczka Sp. z o.o. offering two core product lines: EKASSA OSOBISTA (personal loans up to 30,000 PLN, up to 36 months) and EKASSA PRZEDSIĘBIORCZA (business loans up to 100,000 PLN, up to 48 months). Both products are fully online, collateral-free, and accessible 24/7. The platform also includes a suite of specialized loan offerings (freelancer, seasonal business, renovation, wedding, dental, solar panel, and more) targeting specific borrower segments. A Program Partnerski (affiliate program) allows partners to earn commissions for loan referrals. All products are accessible through a single web platform with integrated credit bureau checks (BIK, KRD, BIG InfoMonitor) and identity verification via Kontomatik.

Differentiator

Problem solved

Functional benefit

Brands

• EKASSA OSOBISTA: Long-term personal loans for individuals up to 30,000 PLN with repayment period up to 36 months
• EKASSA PRZEDSIĘBIORCZA

Products and services

• EKASSA OSOBISTA (Personal Loan) Personal loan product offering fast, fully online cash loans to Polish residents for any purpose, with amounts from 2,000 to 30,000 PLN and repayment terms from 12 to 36 months, without requiring documents or collateral.
• EKASSA PRZEDSIĘBIORCZA (Business Loan) Business loan product for Polish sole proprietors (JDG) and micro-businesses, enabling access to credit from the first day of business registration, with amounts up to 100,000 PLN and repayment terms up to 48 months, with minimal documentation requirements.
• Program Partnerski Ekassa (Affiliate Program) Referral and affiliate marketing program allowing partners (website owners, bloggers, social media creators, affiliate marketers) to earn up to 200 PLN per successfully issued loan referral via dedicated affiliate links and banners.
• Pożyczka na raty (Installment Loan) Long-term online installment loan combining features of payday loans and bank credit, offering higher amounts than short-term loans with extended repayment periods and monthly installments.
• Chwilówka (Payday Loan) Short-term cash loan available online 24/7, with fast decision and funds transfer, typically for smaller amounts over short repayment periods.
• Szybka pożyczka (Quick Loan) Fast online loan with quick decision-making, funds available potentially within 15 minutes of approval, available 24/7.
• Pożyczka online (Online Loan) Internet-based loan product accessible entirely online without bank branch visits, offering fast access to cash with simplified procedures.
• Pożyczka na dowód (Loan with ID) Loan accessible with identity document verification, featuring simplified requirements and fast processing.
• Kredyt dla freelancera (Freelancer Loan) Targeted loan product for Polish freelancers, part of the business lending suite for sole proprietors.
• Specialized Purpose Loans Suite of targeted loan products for specific borrower segments and use cases including wedding loans, dental loans, renovation loans, roof renovation loans, solar panel loans, vacation loans, student loans, medical treatment loans, and beauty salon loans.

Quantifiable outcome

• 60,000+ customers served since 2016
• +3 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Krajowy Rejestr Długów (KRD)coreTechnology or IntegrationKRD (National Debt Register) is used for creditworthiness verification of loan applicants. Customers are checked against the KRD register as part of the loan decision process.
• Biuro Informacji Kredytowej (BIK)coreTechnology or IntegrationBIK (Credit Information Bureau) is used for credit history verification. Ekassa checks applicants in BIK as part of the standard creditworthiness assessment process. The company notes that traditional credit bureaus do not provide a thorough assessment and uses its own alternative methods.
• Autopay s.a.supportingTechnology or IntegrationAutopay s.a. provides payment processing services enabling fund transfers to and from customer bank accounts as part of the loan disbursement and repayment process.
• KontomatiksupportingTechnology or IntegrationKontomatik provides instant automated identity verification, allowing Ekassa to verify bank account holders quickly and securely as an alternative to manual 1 PLN bank transfer verification.
• Google (Marketing Platform)supportingGTM or Marketing PartnerEkassa uses Google Marketing Platform services and collects data via cookies for marketing analytics and campaign optimization. Google technologies are used for digital marketing targeting and performance measurement.
• HotjarsupportingTechnology or IntegrationHotjar is used for user experience analytics, including heatmaps, session recordings, and user behavior analysis to optimize the Ekassa website and loan application flow.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Provema: Provema is a Polish non-bank lender offering consumer loans online, with comparable product structure to Ekassa OSOBISTA including installments and quick decisions. It competes in the same Polish consumer credit segment with similar customer acquisition and underwriting approaches.
• Lendon.pl: Lendon.pl operates an online consumer lending platform in Poland offering installment loans with quick online processing. It targets similar customer segments to Ekassa and competes on speed, accessibility for thin-file borrowers, and fully digital experience.
• KredytOK: KredytOK is a Polish online consumer credit intermediary aggregating offers from multiple lenders, similar in model to how Ekassa brokers loans through Szybki Kredyt. It serves Polish consumers needing fast personal loans and competes for the same end customer.
• Vivus.pl: Vivus.pl is a leading Polish online consumer lending platform offering short-term and installment loans to individuals, often serving bank-rejected or thin-file borrowers. It is the closest direct competitor to Ekassa's EKASSA OSOBISTA product in terms of target customer, online delivery, and alternative credit positioning.
• Zaimo: Zaimo is a Polish online installment lending platform operated by 4finance, providing consumer loans to Polish residents via a fully digital process. It is a direct competitor to Ekassa in the personal online loan category.
• Wonga.pl: Wonga.pl is a well-known Polish online lender providing short-term cash loans to consumers via a fully digital application flow. It directly competes with Ekassa's personal loan products on speed, online UX, and serving near-prime and subprime borrowers.

Broad incumbents

• Bank Pekao: Bank Pekao is a major Polish retail and SME bank offering personal loans and business credit both online and through branches. As a broad incumbent expanding its digital consumer and JDG credit offerings, it represents the competitive upper bound Ekassa is positioned against.
• Alior Bank: Alior Bank is one of Poland's largest digital-forward banks offering consumer and small business credit products. While not focused exclusively on the bank-rejected segment, it increasingly competes with Ekassa through online cash loans and JDG financing products.

Regional players

• Creamfinance: Creamfinance is a CEE/Baltics-headquartered online consumer lending group operating across multiple European markets. While not exclusively focused on Poland, its AI-driven alternative credit scoring approach is comparable to Ekassa's stated emphasis on non-traditional creditworthiness evaluation.

Emerging players

• Smartney: Smartney is the online lending brand of Santander in Poland, offering installment loans fully digitally. It brings incumbent bank balance sheet capacity to compete in the same online consumer loan segment that Ekassa serves, with broader financial resources behind it.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Ekassa_com
• Facebookfacebook.com/profile.php?id=100089539071074
• Instagraminstagram.com/e_kassa_
• TikToktiktok.com/@ekassa_com
• LinkedInlinkedin.com/company/ekassa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Ekassa