What Brutto.pl does

Brutto.pl is a Warsaw-based fintech platform that provides online working capital financing to Polish micro and small businesses. Founded in 2018 and operating as a subsidiary of PragmaGO SA since the January 2020 acquisition (approximately 16 million PLN), the company targets sole proprietors, civil partnerships, and small limited liability companies that face cash flow gaps caused by late-paying B2B counterparties — a pain point affecting more than 45% of Polish micro-businesses according to the BIG Payment Impairment Index (December 2016). Brutto sp. z o.o. is headquartered at ul. Ratuszowa 11/300, 03-450 Warsaw, and operates with a small team (1–10 employees) under a fully digital, self-serve model.

The platform offers four core products: invoice factoring (up to 250,000 PLN, with funds disbursed within 60 minutes), purchase financing that pays suppliers directly (up to 100,000 PLN, 3–12 month installments), tax and ZUS social security financing (up to 30,000 PLN, from 2.5% monthly), and a revenue-based financing loan for e-commerce merchants (up to 150,000 PLN, with automatic daily repayment collected from the merchant's payment gateway balance). An optional add-on service provides ongoing counterparty monitoring against Polish public registries. Technology is built on API integrations with 10+ leading Polish accounting, invoicing, and e-commerce platforms (Fakturownia, Afaktury, Shoper, Sky-Shop, 360ksiegowosc, ifirma, infakt, wfirma, Marketplanet/oneplace, Autopay, AtomStore) and uses Kontomatik sp. z o.o. for encrypted bank-account identity verification and transaction-history-based credit scoring; data exchange is HTTPS-encrypted and hosted at OVH with Comodo SSL certificates.

Brutto's business model is a B2B2C intermediation model: it does not itself provide financing but connects SMB customers to financial partners — primarily its parent PragmaGO SA, a publicly listed Polish factoring company — and earns transaction fees embedded in the cost of financing (commission/affiliate-referral economics). Go-to-market is product-led and channel-partner-driven, with financing products distributed as embedded native options inside partner accounting and e-commerce platforms rather than via a traditional sales force. End customers access Brutto either directly at brutto.pl or through these embedded partner flows, with identity verified via bank login and contracts signed via SMS, removing paper documentation entirely.

Name

Brutto.pl

Legal name

Brutto sp. z o.o.

Website

https://brutto.pl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Brutto.pl is a Warsaw-based Polish fintech platform offering online factoring, purchase financing, tax/ZUS loans, and revenue-based e-commerce loans to Polish micro and small businesses, distributed via embedded integrations with leading Polish accounting and e-commerce platforms.

Ownership category

akta.pro rank

Product category

SMB Alternative Lending

NAICS

Sales Financing (52222), Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Invoice factoring
• Small business financing
• Working capital loans
• Revenue-based financing
• SMB lending platform

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission/Fees from Financing Services: Brutto earns revenue by charging fees on the financing products it intermediated (factoring, purchase financing, tax/ZUS loans, e-commerce loans). The platform charges end customers financing fees (e.g., from 3.3% monthly for factoring, 2.5% monthly for tax/ZUS financing, 17.5% for e-commerce loans over 13 months). Fees are embedded in the cost of financing and are tax-deductible for business customers.
2. Partner Service Fees: Brutto charges fees to its financial service partners (Partnerzy Serwisu) for customer acquisition and intermediation services. End customers (businesses) do not pay Brutto directly for the platform service — fees are paid by the financing partners (financial institutions).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Brutto.pl is an online fintech platform that provides fast, paperless financing solutions to Polish micro and small businesses. It offers four core products: invoice factoring, purchase financing, tax/ZUS financing, and revenue-based e-commerce loans. Customers apply digitally, are verified via Kontomatik bank-data integration, and receive funding decisions in minutes with disbursement in under 60 minutes. The platform is embedded directly into 10+ Polish accounting and e-commerce software platforms for seamless onboarding.

Product overview

Brutto.pl is a fintech platform that provides financing solutions for micro and small businesses in Poland. The product portfolio consists of four core financial products: (1) Faktoring (Factoring) for financing unpaid sales invoices up to 250,000 PLN with same-day or 60-minute disbursement; (2) Finansowanie zakupów (Purchase Financing) for paying supplier invoices up to 100,000 PLN with installment repayment; (3) Finansowanie podatków i ZUS (Tax & Social Security Financing) for covering public law liabilities up to 30,000 PLN; and (4) Pożyczka dla e-sklepów (E-commerce RBF Loan) for online retailers, providing revenue-based financing up to 150,000 PLN with automatic daily repayments from payment gateway sales. An optional add-on service for customer monitoring and verification is available. The platform operates fully online without requiring paper documents, integrating with leading Polish accounting and e-commerce platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Faktoring (Invoice Factoring) Invoice factoring service that converts unpaid B2B sales invoices into immediate cash for businesses. Offers up to 250,000 PLN limit with financing available within 60 minutes. Supports both disclosed (jawny) and undisclosed (cichy) factoring models. Pricing from 3.3% monthly (net) with no hidden fees.
• Finansowanie zakupów (Purchase Financing) Financing service for business purchases that pays suppliers directly via express transfer, with the customer repaying in monthly installments over 3-12 months. Provides up to 100,000 PLN limit for cost invoices, enabling businesses to maintain supplier relationships while smoothing cash outflows.
• Finansowanie podatków i ZUS (Tax & Social Security Financing) Financing service for public-law liabilities including Polish taxes (VAT-7, VAT-7K, PIT-5, PIT-5L, annual PIT) and ZUS social security contributions. Offers up to 30,000 PLN with monthly repayment installments over 3-12 months. Fee from 2.5% monthly.
• Pożyczka dla e-sklepów (E-commerce RBF Loan) Revenue-Based Financing (RBF) loan designed specifically for Polish e-commerce businesses. Provides up to 150,000 PLN with automatic daily repayments collected at a fixed percentage of daily sales from the merchant's payment gateway balance. Total fee 17.5% over 13 months.

Quantifiable outcome

• Funds disbursed in under 60 minutes for factoring approvals
• +4 more outcomes

Named customers3 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

Integration13 records

Feature6 records

Partnerships

15 partnerships are on record, tiered core and secondary.

• FakturowniacoreTechnology or IntegrationFakturownia is a leading Polish online invoicing platform integrated with Brutto. Customers can register for Brutto directly through Fakturownia, and their invoice data is automatically shared with Brutto via API for financing applications. Fakturownia appears as a login option on Brutto's website.
• AfakturycoreTechnology or IntegrationAfaktury is a Polish online invoicing platform integrated with Brutto, allowing customers to access Brutto financing directly from their Afaktury account. Invoice data is shared via API for pre-populated financing applications.
• Shoper (fim.shoper.pl)coreTechnology or IntegrationShoper is a leading Polish e-commerce platform. Brutto is integrated with Shoper's FIM (Fakturowanie Intenetowe MŚP) invoicing module, enabling Shoper's SMB customers to access invoice financing directly from their Shoper account.
• Marketplanet (oneplace)coreTechnology or IntegrationMarketplanet's oneplace platform is integrated with Brutto, enabling Brutto's financing products to be offered as native options within the oneplace business management environment.
• Fakturownia, 360ksiegowosc, ifirma, infakt, wfirmacoreTechnology or IntegrationAdditional accounting and invoicing platforms integrated with Brutto: 360ksiegowosc.pl, ifirma.pl, infakt.pl, wfirma.pl. These integrations enable automatic invoice data sharing and frictionless financing applications for users of these platforms.
• Sky-ShopsecondaryTechnology or IntegrationSky-Shop is a Polish e-commerce platform (part of the Sky-Shop group) that partnered with Brutto to offer revenue-based financing for e-sklepów (e-shops). The partnership was announced in May 2022, enabling Sky-Shop's e-commerce customers to access Brutto loans for business development.
• Autopay (finansowanie.autopay.eu)secondaryTechnology or IntegrationAutopay is a Polish payment gateway operator (part of the Skylt group) that partners with Brutto to offer revenue-based e-commerce loans to its customers. Brutto's financing product is promoted on Autopay's dedicated financing subdomain as an official partner.
• AtomStoresecondaryTechnology or IntegrationAtomStore is a Polish e-commerce platform that integrates Brutto's revenue-based loan product for its e-commerce customers, enabling financing for e-sklepów.
• Blue MediasecondaryStrategic or Co-development PartnerBrutto entered a strategic alliance with Blue Media in the RBF (Revenue-Based Financing) market in February 2022, as reported by pb.pl. The partnership strengthened Brutto's position in the Polish e-commerce financing market.
• Shoper (e-commerce platform)coreTechnology or IntegrationShoper (operated by Freelancer S.A.) partnered with Brutto in January 2022 to enable online shops running on the Shoper platform to access loans of up to 100,000 PLN through Brutto. Shoper's financing page at finansowanie.bm.pl/shoper offers Brutto loans.
• PaytelsecondaryStrategic or Co-development PartnerPaytel (a payment terminal provider) partnered with Brutto to offer loans to its payment terminal users in November 2021. This partnership leverages Paytel's merchant base as a source of qualified loan applicants for Brutto.
• Marketplanet (e-procurement)secondaryStrategic or Co-development PartnerMarketplanet (operator of the oneplace platform) partnered with Brutto in November 2021 to enable B2B e-procurement customers to access immediate financing upon transaction completion, as reported by pb.pl.
• ComfinosecondaryStrategic or Co-development PartnerComfino partnered with Brutto in September 2021 to enable B2B online purchases with deferred payment options for business customers, as reported by cashless.pl.
• Kontomatik sp. z o.o.coreTechnology or IntegrationKontomatik provides Brutto with secure bank account verification and creditworthiness assessment services. Brutto uses Kontomatik's technology to connect to customers' bank accounts via encrypted SSL, compare registration data, and analyze transaction history for credit scoring purposes.
• Fintech Poland / Związek Przedsiębiorstw FinansowychsecondaryOthersBrutto is a member of the Fintech Poland association and the Związek Przedsiębiorstw Finansowych (ZPF, Polish Financial Enterprises Union). Brutto also adheres to the ZPF Code of Good Practice (Zasady Dobrych Praktyk). These memberships provide industry credibility, regulatory engagement, and indirect marketing value.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Fundbox: US fintech providing invoice-based working capital and credit to small businesses via integrations with accounting and banking platforms. Closely matches Brutto's channel-partner-led, fully online invoice-financing business model.
• BlueVine: US SMB-focused online lender offering invoice factoring, lines of credit, and term loans through a fully digital platform. Highly comparable to Brutto on product mix (factoring + working capital credit) and on banking-data-led underwriting, although BlueVine operates in the US market.
• Finiata: Poland-based digital financing platform providing working capital, factoring, and flexible financing to small businesses. Closely comparable to Brutto on customer segment (Polish micro/SMB), product type (invoice financing and small-business credit), and fully online delivery model.
• Credibly: US SMB working-capital lender offering merchant cash advances, lines of credit, and short-term loans via an online application flow. Comparable to Brutto on short-horizon credit for small businesses and on digital-first origination, though operating in the US market.
• Klarne.pl: Polish online factoring comparison and origination platform targeting SMBs needing to convert receivables into cash. Comparable to Brutto on invoice-financing focus and Polish SMB customer base, though Klarne leans more on comparison/orchestration and Brutto on direct intermediation.

Emerging players

• Pipe: Revenue-based financing platform converting recurring revenue into upfront capital, originally focused on SaaS and increasingly on e-commerce and SMBs. Comparable to Brutto's RBF (Pożyczka dla e-sklepów) product in design — repayment tied to underlying revenue streams.

Others

• AutoPay: Polish payment gateway and fintech (part of Blue Media group) that distributes Brutto's RBF product and competes more broadly for Polish SMB financial-services attention. Relevant as an embedded-distribution/partner ecosystem participant overlapping with Brutto's go-to-market channels.

Broad incumbents

• Nest Bank (Faktoria): Polish digital bank offering Faktoria, a fully online factoring product for SMBs through partner platforms. Directly comparable to Brutto on invoice-financing product, target customer, and self-serve delivery model, while also offering broader banking services beyond financing.
• PragmaGO SA: Brutto's parent company and a publicly listed Polish factoring group (WSE Catalyst) and member of the Polish Factors Association. PragmaGO supplies the underlying balance sheet for Brutto's intermediated financing and operates a broader factoring portfolio, making it the most directly adjacent (though affiliated) player in the space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/brutto.pl
• Instagraminstagram.com/brutto_pl
• LinkedInlinkedin.com/company/brutto.pl

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Brutto.pl