Szybka Gotowka
Szybka Gotówka is a Polish online lending broker (operated by Kopula Solutions sp. z o.o., with Kasa Boom Sp. z o.o. as primary lender) that offers short-term consumer loans from 700 to 20,000 PLN via a fully self-serve web and mobile platform, serving over 1 million individual customers since 2016.
- Company typePrivate
- Founded2016
- HeadquartersWarsaw, Poland
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Szybka Gotowka does
Szybka Gotówka is a cloud-based online lending platform operating in Poland since 2016, functioning as a regulated broker/marketplace that connects consumer borrowers with a network of non-bank lenders. The platform is operated by Kopula Solutions sp. z o.o. (the regulated intermediary/pośrednik), with Kasa Boom Sp. z o.o. acting as the primary underlying lender (pożyczkodawca). Customers interact with the platform fully online via a web portal and a dedicated iOS/Android mobile app (pl.szybkagotowka.quickloans), supported by Autopay for automated identity verification and Blue Media/BlueCash for instant payment disbursement. Szybka Gotówka has served over 1,000,000 individual customers since inception and maintains an average rating of 4.8/5 on Trustpilot and 4.7/5 on Google Maps across more than 12,427 reviews.
The product portfolio centers on short-term consumer cash loans (chwilówki) ranging from 700 to 20,000 PLN with repayment periods up to 65 days, alongside specialized variants for students, unemployed applicants, microbusinesses, and borrowers without formal income documentation. Underlying technology consists of an automated credit scoring engine that produces sub-15-minute decisions and enables funds to be disbursed within minutes across 24/7, including weekends and holidays; the platform is also localized via city-specific landing pages across twelve Polish metropolitan areas (Warsaw, Kraków, Łódź, Poznań, Wrocław, Gdańsk, Szczecin, Lublin, Katowice, Bydgoszcz, Białystok, Gdynia).
Revenue is generated transactionally via interest and commission fees on each loan origination, with a representative example showing 321.10 PLN commission plus 25.35 PLN interest on a 2,000 PLN loan (145% APR) — a one-time fee per origination rather than recurring customer revenue. The go-to-market is product-led and entirely self-serve: customers discover the service via organic social, content marketing (a FinHacki/Finanse financial advice blog), referral programs, and review platforms, then complete the entire application to disbursement journey without human interaction. Marketing distribution spans Facebook, Instagram, TikTok, YouTube, X, Threads, Quora, Medium, email newsletters, and review sites (Trustpilot, Google Maps, Opineo).
Szybka Gotowka firmographics
Firmographics- Name
- Szybka Gotowka
- Legal name
- Kopula Solutions sp. z o.o.
- Website
- https://szybkagotowka.pl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Szybka Gotówka is a Polish online lending broker (operated by Kopula Solutions sp. z o.o., with Kasa Boom Sp. z o.o. as primary lender) that offers short-term consumer loans from 700 to 20,000 PLN via a fully self-serve web and mobile platform, serving over 1 million individual customers since 2016.
- Ownership category
- akta.pro rank
Szybka Gotowka industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where Szybka Gotowka is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices2 records
Markets served
Szybka Gotowka business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Technology or R&D, Operations, Personnel, Infrastructure
Revenue model
- Loan Interest and Commissions: Szybka Gotówka earns revenue through interest charges and commission fees on short-term loans. Loans are offered from 700 zł to 20,000 zł with repayment periods up to 65 days. The APR (RRSO) example shown is 145% for a 2,000 zł loan over a sample period. Revenue is generated per transaction — each loan origination produces a one-time fee (commission + interest) rather than recurring revenue from the same customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | New customers: loans from 700 zł to 6,000 zł, repayment up to 65 days |
| Transaction based/ take rate | Pay-as-you-go | Returning/steady customers: loans up to 15,000–20,000 zł |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels12 records
Szybka Gotowka product offering
Product offeringCore offering
Szybka Gotówka is a cloud-based online lending intermediary platform that connects borrowers with partner lenders (primarily Kasa Boom Sp. z o.o.) to originate short-term consumer loans in Poland. The core product is fully digital, with loan amounts from 700 to 20,000 PLN, repayment periods up to 65 days, credit decisions in under 15 minutes, and fund disbursement within approximately 2 hours, requiring no income documentation, guarantors or collateral.
Product overview
Szybka Gotówka is a non-bank online lending platform offering short-term consumer loans in Poland. The core product portfolio consists of online payday loans (chwilówki), microloans (mikropożyczki), and specialized loan products targeting specific demographics. All products are delivered through a fully digital platform accessible via website and mobile applications. The product range includes standard online loans (300-20,000 PLN), identity-based loans, loans without income documentation, student loans, and loans for unemployed individuals. Key differentiators include 15-minute decision times, 100% online processing, no guarantor requirements, and flexible repayment periods up to 65 days. The company serves both new and returning customers, with returning customers eligible for higher loan amounts.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Payday Loan (Pożyczka online / Chwilówki) Core short-term consumer loan product offered fully online, ranging from 700 to 20,000 PLN with repayment periods up to 65 days, credit decisions in under 15 minutes and fund disbursement within approximately 2 hours. New customers can borrow up to 6,000 PLN; returning customers up to 20,000 PLN. No income documentation, guarantors or collateral required. APR (RRSO) example: 145% on a 2,000 PLN loan.
- Loan for the Unemployed (Pożyczka dla bezrobotnych) Positioning variant of the short-term online loan targeting unemployed individuals, students, retirees and freelancers who have documented income sources (e.g., benefits, stipends, rental income) but no traditional employment certificate. Offers up to 8,000 PLN with a 65-day repayment period and the same fully online process.
- Student Loan (Pożyczka dla studenta) Positioning variant of the short-term online loan targeting Polish students who need financial support without complex documentation requirements, covering unexpected study-related or living expenses through the same fully online application flow.
- Loan Without Proof of Income / Loan by ID (Pożyczka bez zaświadczeń / Pożyczka na dowód) Variant of the short-term online loan where the Polish national ID card (dowód) is the primary verification document and no additional income documentation is required. Loans up to 15,000 PLN granted without guarantors or collateral, with the same 65-day maximum repayment period and fully digital process.
- Quick Cash (Szybka Kasa) Express variant of the core loan offering 400 to 15,000 PLN with priority processing and funds transferred within 15 minutes of approval, including all standard loan features of the main product.
- Mobile Application (Aplikacja mobilna) Full-featured mobile application available on Google Play and the Apple App Store (pl.szybkagotowka.quickloans) enabling the complete loan lifecycle: registration, application, approval tracking, repayment and account management, with biometric login for returning customers.
Quantifiable outcome
- Decision in under 15 minutes (vs. several days at banks)
- +3 more outcomes
Companies that use Szybka Gotowka
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Szybka Gotowka technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Szybka Gotowka partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Kasa Boom Sp. z o.o.coreKasa Boom Sp. z o.o. is the primary lender (pożyczkodawca) for loans originated through the Szybka Gotówka platform. Registered in Warsaw at ul. Skierniewicka 16/20, 01-230 Warsaw (KRS: 0000810432, NIP: 5252805013, REGON: 384695160). Share capital: 1,000,000.00 zł. All loan agreements are issued by Kasa Boom.
- Kopula Solutions sp. z o.o.coreKopula Solutions sp. z o.o. acts as the intermediary (pośrednik) for the Szybka Gotówka platform, facilitating loan applications and connecting borrowers with partner lending institutions. Registered at ul. Cybernetyki 10, 02-677 Warsaw (KRS: 0001079451). Handles data protection inquiries ([email protected]).
- AutopaycoreAutopay is used for customer identity verification during the loan application process. Customers verify their identity through the Autopay system, which enables fully digital onboarding without manual document review.
- Blue Media / BlueCashcoreBlue Media provides instant payment infrastructure (BlueCash) for rapid fund disbursement to customer bank accounts. BlueCash enables near-instant transfers, supporting Szybka Gotówka's 'funds in 15 minutes' promise. Also used for loan repayment processing via Autopay.
- Zubau PlatformminorSzybka Gotówka partners with Zubau to offer customers a free 3-month access to a financial education and personal development platform as part of responsible lending practices. This partnership supports the company's responsible borrowing messaging.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Szybka Gotowka competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Szybka Gotowka social profiles
Digital presenceSzybka Gotowka financial estimates
Financial estimateRevenue estimate
Valuation estimate
Szybka Gotowka leadership team
Management profileNumber of profiles
Profiles1 record
Szybka Gotowka funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Szybka Gotowka M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Szybka Gotowka
What does Szybka Gotowka do?
Szybka Gotówka is a cloud-based online lending intermediary platform that connects borrowers with partner lenders (primarily Kasa Boom Sp. z o.o.) to originate short-term consumer loans in Poland. The core product is fully digital, with loan amounts from 700 to 20,000 PLN, repayment periods up to 65 days, credit decisions in under 15 minutes, and fund disbursement within approximately 2 hours, requiring no income documentation, guarantors or collateral.
Is Szybka Gotowka a public or private company?
Szybka Gotowka is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Szybka Gotowka founded?
Szybka Gotowka was founded in 2016. It employs 501 to 1,000 people.
Where is Szybka Gotowka based?
Szybka Gotowka is headquartered in Warsaw, Poland, in the Europe region.
How does Szybka Gotowka make money?
One revenue line is on record: loan Interest and Commissions.
Does Szybka Gotowka have an API?
No public API is recorded for Szybka Gotowka.
What industry is Szybka Gotowka in?
Szybka Gotowka's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 522310 and its SIC code is 6163.