FinUp Sp. z o.o.

What FinUp Sp. z o.o. does

FinUp Sp. z o.o., operating as Grupa SG, is a Warsaw-headquartered Polish financial advisory and business services group operating since 2010 through three wholly-owned subsidiaries: Sales Group (accounting, HR and payroll, legal, personnel and IT outsourcing), Sales Group Finance (credit intermediation for professionals, entrepreneurs, farmers, cash loans, consolidation loans, leasing, non-bank loans and factoring), and Sales Group Hipoteka (mortgage loans and insurance). A fourth sub-brand, Sales Group Development, extends the group into residential real estate development. The target customer base comprises Polish entrepreneurs, SMEs, and individual mortgage clients, with services delivered via direct consultative sales and a Partner Zone (Strefa Partnera) channel that recruits external credit intermediaries.

The group's revenue model blends transaction fees on financial products intermediated through Sales Group Finance and Sales Group Hipoteka, professional services fees for accounting/legal/HR/IT outsourcing delivered by Sales Group, and one-time sales from real estate development projects under Sales Group Development. Pricing is quote-based and not publicly disclosed. GTM is sales-led, combining in-house advisory with a partner/reseller network of credit intermediaries across Poland, supported by a content-marketing website (salesgroup.pl) and direct phone/email contact.

At a disclosed headcount of 7, the entity operates as a very lean holding structure whose service delivery is presumably executed through its subsidiaries and partner network rather than direct employment. No proprietary technology stack, API, AI/ML capability, patents, or third-party certifications are disclosed in the available source data; February 2024 corporate disclosures indicate an intent to merge group subsidiaries, suggesting ongoing organizational consolidation.

Name

FinUp Sp. z o.o.

Legal name

Grupa SG

Website

https://finup.pl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

FinUp Sp. z o.o. (Grupa SG) is a Warsaw-based Polish financial advisory group operating since 2010 through three subsidiaries and a partner intermediary network, delivering credit intermediation, accounting, HR, legal and IT outsourcing services to Polish entrepreneurs, SMEs and individual mortgage clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory Services: Revenue generated through financial advisory services including credit intermediation, loan products, and financing solutions for entrepreneurs and businesses.
2. Business Support Services: Revenue from accounting, HR, legal services, and IT/personnel outsourcing for businesses.
3. Insurance Products: Revenue from insurance products offered through Sales Group Hipoteka subsidiary.
4. Real Estate Development: Revenue from residential real estate development projects including single-family homes and housing estates.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Grupa SG operates an integrated ecosystem of three subsidiaries that provides Polish entrepreneurs and SMEs with credit intermediation (professional, entrepreneur, agricultural, cash, consolidation, mortgage, non-bank loans), leasing, factoring, and insurance, alongside outsourced accounting, HR and payroll, legal, personnel, and IT services. The group also develops residential real estate projects through a separate Sales Group Development arm.

Product overview

No product or service information available for FinUp Sp. z o.o. in the provided source data.

Differentiator

Problem solved

Functional benefit

Brands

• Sales Group: Accounting, HR and payroll, legal services, personnel outsourcing, IT outsourcing
• Sales Group Finance
• Sales Group Hipoteka
• Sales Group Development

Products and services

• Accounting Services (Obsługa księgowa) Outsourced bookkeeping and accounting services delivered by the Sales Group subsidiary to entrepreneurs and SMEs needing ongoing financial record-keeping.
• HR and Payroll Services (Obsługa kadrowo-płacowa) Outsourced human resources administration and payroll processing for businesses, provided by the Sales Group subsidiary.
• Legal Services (Obsługa prawna) Legal advisory and documentation support for entrepreneurs and SMEs, delivered by the Sales Group subsidiary.
• Personnel Outsourcing (Outsourcing personelu) Provision of external workforce and personnel leasing arrangements to businesses needing flexible staffing, offered by the Sales Group subsidiary.
• IT Outsourcing (Outsourcing IT) Outsourced IT services for businesses, provided by the Sales Group subsidiary.
• Loans for Professionals (Kredyty dla profesjonalistów) Credit intermediation for individual professionals seeking loan financing, provided by the Sales Group Finance subsidiary.
• Loans for Entrepreneurs (Kredyty dla przedsiębiorców) Business loan intermediation for entrepreneurs and SMEs, arranged through the Sales Group Finance subsidiary.
• Loans for Farmers (Kredyty dla rolników) Agricultural loan intermediation tailored to farmers and agribusiness clients, arranged through Sales Group Finance.
• Cash Loans (Kredyty gotówkowe) Personal cash loan intermediation arranged through the Sales Group Finance subsidiary.
• Consolidation Loans (Kredyty konsolidacyjne) Debt consolidation loan intermediation for clients seeking to merge multiple obligations, arranged through Sales Group Finance.
• Leasing Services Asset leasing intermediation for businesses and professionals, arranged through Sales Group Finance.
• Non-bank Loans (Pożyczki pozabankowe) Non-bank loan intermediation for clients seeking financing outside traditional banking channels, arranged through Sales Group Finance.
• Factoring Services Receivables factoring arrangements for businesses needing working capital liquidity, provided through Sales Group Finance.
• Mortgage Loans (Kredyty hipoteczne) Residential mortgage loan intermediation for individual property buyers, offered through the Sales Group Hipoteka subsidiary.
• Insurance Products (Ubezpieczenia) Insurance brokerage for individual and business clients, with property insurance as a featured line, offered through the Sales Group Hipoteka subsidiary.
• Residential Real Estate Development (Sales Group Development) Development and sale of residential housing projects including single-family homes, semi-detached houses, and housing estates such as Osiedle Przy Lesie in Wasilków, Nova Pomorska, and Osiedle Teresin, sold directly to individual buyers.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• Open Finance: Historically one of the largest Polish financial advisory and credit intermediation networks. Operates in the same credit broker category as Sales Group Finance/Sales Group Hipoteka, targeting Polish consumers and SMEs with mortgage and loan products.
• Aspiro: Polish financial advisory firm offering mortgage brokerage, investment advisory, and insurance distribution. Comparable along intermediation product set and target customer (Polish consumers and SME owners).
• KredytOK: Polish online-first credit broker offering personal loans, consolidation, and mortgage intermediation with a digital comparison engine. Comparable to Sales Group Finance as a non-bank loan and consolidation intermediary, though differentiated by digital vs. consultative delivery.
• Notus Finanse: Polish financial advisor specializing in mortgage and consumer credit intermediation with a network of regional advisors. Comparable to Grupa SG in credit brokerage services, intermediary channel model, and entrepreneur/individual client focus.
• Expander Advisors: One of Poland's largest independent financial advisors and credit intermediaries, offering mortgage and consumer loan brokerage plus advisory. Directly comparable to Sales Group Hipoteka and Sales Group Finance in product, customer (Polish borrowers/entrepreneurs), and consultative distribution model.
• Money House: Polish credit intermediary focused on mortgage and consolidation loans, operating through a network of advisors. Directly comparable in intermediation model and customer profile to the mortgage/credit subsidiaries of Grupa SG.

Broad incumbents

• mBank: Major Polish universal bank with strong SME and mortgage franchises plus leasing/factoring. Competes with Sales Group Finance and Sales Group Hipoteka across credit products targeted at the same Polish entrepreneur and consumer segments.
• Credit Agricole Bank Polska: One of Poland's universal banks offering mortgages, SME credit, leasing, factoring, and insurance. Competes with Grupa SG as a one-stop provider for entrepreneurs, though as part of a much broader retail and corporate banking franchise.

Emerging players

• InFakt: Polish fintech offering online accounting, invoicing, and tax compliance for SMEs and entrepreneurs. Comparable to the Sales Group subsidiary's accounting and HR/payroll outsourcing services for the same Polish micro-business and entrepreneur customer base.
• Fakturownia: Polish online accounting, invoicing, and HR/payroll SaaS provider targeting small businesses and entrepreneurs. Overlaps with Sales Group's accounting, HR, and legal services targeting the same SME segment, though differentiated by cloud-native delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/finup-sp-z-o-o

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 FinUp Sp. z o.o.