Eurofactor Polska S.A.

Name

Eurofactor Polska S.A.

Legal name

Eurofactor Polska S.A.

Website

https://eurofactor.pl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Factoring Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

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

akta.pro secondary industry

Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Factoring services
• Invoice financing
• Receivables management
• Working capital solutions
• B2B trade credit

Headquarters

HQ city

Warszawa, woj. mazowieckie

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring commissions and financing fees: Eurofactor Polska generates revenue through a multi-component fee structure: a commission on the granted factoring limit, interest on the financing provided, and a factoring commission. Given the individual character of each client's operations, prices for factoring services are calculated on a per-case basis. The company also offers full factoring (without recourse) where the factor assumes the credit risk of the debtor, adding an insurance/risk transfer component to the revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Eurofactor Polska S.A. is a factoring services company providing financing of short-term B2B receivables and related receivables management/administration services to Polish businesses. Its product suite includes factoring with recourse, full (non-recourse) factoring with debtor insolvency risk assumption, export factoring, reverse factoring, and portfolio factoring. Clients typically receive up to 90% of invoice value within 24 hours of submission, with the balance settled upon buyer payment, and benefit from full receivables administration including monitoring, dunning and collection.

Product overview

Eurofactor Polska S.A. is a factoring services company offering a comprehensive suite of factoring solutions. The product portfolio is built on two fundamental forms: factoring with recourse and factoring without recourse, supplemented by specialized products including export factoring, reverse factoring, and portfolio factoring. These products are designed to improve clients' financial liquidity, manage receivables, and provide protection against buyer insolvency. The company operates as part of the Crédit Agricole Leasing & Factoring group, serving companies across Poland.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• Europejski Fundusz Leasingowy S.A. (EFL)coreStrategic or Co-development Partner · 1 September 2015Europejski Fundusz Leasingowy S.A. is the direct owner of Eurofactor Polska S.A. EFL is also a sister company within the Crédit Agricole Leasing & Factoring group. EFL and Eurofactor operate under the unified Crédit Agricole group in Poland, sharing infrastructure, cross-referral relationships, and brand positioning. From 1 September 2015, the company operates under the Eurofactor Polska S.A. name.
• Crédit Agricole Leasing & Factoring (CAL&F)coreStrategic or Co-development PartnerCrédit Agricole Leasing & Factoring is the parent entity overseeing Eurofactor and other factoring/leasing subsidiaries across Europe (present in 8 countries and Morocco). CAL&F provides the strategic framework, product standards, and brand umbrella for Eurofactor. It is one of the most important participants in the European leasing and factoring sector.
• Credit Agricole Bank Polska S.A.minorStrategic or Co-development PartnerPart of the Crédit Agricole Polska group, co-located with other group entities at ul. Legnicka 48 in Wrocław. Cross-referrals between banking and factoring services within the group.
• Credit Agricole Towarzystwo Ubezpieczeń S.A.minorStrategic or Co-development PartnerInsurance company within the Crédit Agricole Polska group, offering complementary insurance products alongside factoring services.
• EFL Finance S.A.minorStrategic or Co-development PartnerFinance company within the EFL group, co-located with other group entities in Wrocław. Provides complementary financial products.
• Carefleet S.A.minorStrategic or Co-development PartnerFleet management company within the EFL group, co-located in Wrocław. Provides operational leasing and fleet services.
• Centrum Service Sp. z o.o.minorOthersService company within the EFL group, providing operational support services.
• Truck Care Sp. z o.o.minorOthersTruck service company, co-located with Eurofactor in Warsaw at ul. Żwirki i Wigury 18a. Provides truck service and related support.

Scale indicators1 record

Recent moves7 records

Direct peers

• Pragma Faktoring S.A. Polish factoring company offering a similar full-spectrum product suite (full factoring, reverse factoring, portfolio) to SMEs and corporates in Poland. Direct competitor in the same customer segments with comparable product breadth.
• Bibby Financial Services Poland: Polish arm of UK-based Bibby Financial Services, one of Europe's largest independent factoring providers. Comparable SME focus, similar product breadth (recourse, non-recourse), and similar scale in the Polish market.
• Faktor Plus S.A. Polish factoring company specializing in receivables financing for SMEs and mid-market companies. Direct competitor with overlapping customer profiles and product mix, including full factoring options.
• PKO Faktoring (Grupa PKO): Factoring arm of Poland's largest banking group (PKO BP), offering factoring services to Polish SMEs and corporates. Comparable in scale ambition, product breadth, and bank-backed distribution model.
• ING Commercial Finance Polska: ING's Polish factoring subsidiary offering receivables financing, full factoring, and reverse factoring to Polish businesses. Comparable to Eurofactor as a bank-affiliated factoring specialist serving similar SME and corporate segments.
• mFaktoring (mBank group): mBank's factoring subsidiary offering receivables financing to Polish SMEs, with stronger digital onboarding than traditional factors. Comparable in target segment and product offering; technology-forward positioning differentiates from Eurofactor.

Emerging players

• Coface Poland (Trade Credit Insurance): Polish arm of global trade credit insurer Coface, which directly competes with Eurofactor's full factoring product that assumes buyer insolvency risk. Comparable risk-underwriting capabilities and B2B credit risk management expertise.
• Wonga Biz (online SME financing): Polish fintech offering online working capital and invoice financing to SMEs. Partial overlap with Eurofactor's SME segment but differentiated by digital-first delivery, representing the fintech disruption risk to traditional factors like Eurofactor.

Broad incumbents

• Santander Factoring Polska: Factoring operations of Santander Group in Poland, part of a global banking giant. Comparable product offering but operates as part of a much broader financial services portfolio rather than as a specialized standalone factor.

Regional players

• Raiffeisen Commercial Finance Poland: Raiffeisen Bank International's factoring/leasing operations in Poland, part of a Central European banking group. Comparable in product offering and bank-backed distribution but with a broader regional footprint across CEE.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eurofactor-polska-s-a

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 Eurofactor Polska S.A.