Plusfactor Sp. z.o.o.

What Plusfactor Sp. z.o.o. does

Plusfactor Sp. z o.o. is an independent factoring and financial-product broker based in Wrocław, Poland, operating since approximately 2010. The company aggregates and compares financing offers from approximately 18 financial institutions — including factors (AOW Faktoring, Bibby, Billecta, eFaktor, Faktoria, FaktorOne, Fandla, Finea, IFIS Finance, Monevia, Pragma, SMEO), banks (BNP Paribas), and leasing companies (CA EFL, Millennium Leasing, Pekao Leasing, PKO Leasing, Siemens Financial Services) — and matches them to Polish small and medium-sized businesses seeking working capital, contract pre-financing, leasing, or credit. The portfolio spans eight products: Mikrofaktoring (micro-factoring from 5,000 PLN), Faktoring niepełny (non-recourse), Faktoring pełny (full recourse), Faktoring odwrotny (reverse/purchase factoring), Finansowanie niestandardowe (blended loan/factoring/leasing structures), Finansowanie kontraktów (public and private contract pre-financing), Kredyt (brokered working-capital and investment loans), and Leasing (specialized assets).

The company's underlying technology is a digital broker platform: a website (plusfactor.pl) with product pages, an SEO-optimized knowledge base, an interactive cost calculator, a product-recommendation quiz, and a three-step online inquiry form that promises a response within 24 hours. Plusfactor does not disclose proprietary technology; its primary capability is market knowledge, matchmaking across counterparties, and advisory expertise in difficult and non-standard financing cases. The business model is affiliate/referral: the brokerage service is free for clients, and Plusfactor earns commission from the factor or financial institution for each successfully placed client. Customer acquisition flows through organic search, the website funnel, phone, email, and referrals from partner institutions. The company operates a dual legal structure — PLUSFACTOR Sp. z o.o. (private limited operating company) and PLUSFACTOR S.A. (public stock company with shareholder communications) — both registered in Wrocław.

Name

Plusfactor Sp. z.o.o.

Legal name

PLUSFACTOR Sp. z o.o.

Website

https://plusfactor.pl

Company type

Public

Operating status

Operating

Headcount range

1–10 employees

Short description

Plusfactor Sp. z o.o. is an independent Polish factoring broker based in Wrocław that compares offers from approximately 18 financial institutions and matches Polish SMEs and micro-businesses to factoring, credit, contract-pre-financing, and leasing products free of charge to the client.

Ownership category

akta.pro rank

Product category

Factoring Brokerage

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAMAM

Lead Generation, Comparison & Marketplace Platforms (Financial Products)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Introducers, Finders & Referral Networks

SECONDARYFSAKAGAC

Invoice Financing & Factoring

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAKAMAN

Short-Term Credit Broking & Lead Generation

Financial & Insurance/Lending & Consumer Finance/Payday Loans & Short-Term Credit

Keywords

• Factoring broker
• Invoice financing
• SME lending
• Credit brokerage
• Leasing services

Headquarters

HQ city

Wrocław

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker commission from financial institutions: Plusfactor acts as an independent factoring broker, comparing offers from ~18 financial institutions (factors, banks, leasing companies) and matching them to clients. The company earns a commission from the financial institution (factor) for each successfully placed client. The service is free for the client — they pay no additional fee for the brokerage. This is a referral/affiliate revenue model where the company serves as an intermediary between clients seeking financing and the underlying financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Plusfactor Sp. z o.o. is an independent factoring broker that compares offers from approximately 18 Polish financial institutions (factors, banks, leasing companies) and matches clients — primarily small and medium Polish businesses — with the most suitable factoring, credit, or leasing product. The company operates as a free intermediary, with revenue generated through commissions paid by the chosen financial institution upon successful placement, and advertises a 24-hour decision and payout promise on financing.

Product overview

Plusfactor Sp. z o.o. is an independent factoring broker that compares offers from multiple financial institutions (kilkanaściu faktorów) and selects the most cost-effective financing for a client's business — free of charge. Its product portfolio spans eight distinct offerings: (1) Mikrofaktoring — financing for micro and small businesses from 5,000 PLN limits; (2) Faktoring niepełny — non-recourse factoring with the factor not assuming buyer insolvency risk; (3) Faktoring pełny — full factoring where the factor and insurer assume buyer default risk; (4) Faktoring odwrotny — reverse/purchase-order factoring where the factor pays suppliers immediately and the buyer gets extended payment terms; (5) Finansowanie niestandardowe — custom blended financing combining elements of loans, factoring, and leasing; (6) Finansowanie kontraktów — pre-financing for large public and private contracts; (7) Kredyt — working capital and investment loans brokered across multiple banks; and (8) Leasing — specialized leasing for unusual or high-value assets. The company operates exclusively as a broker/intermediary, matching clients with suitable financial products from its network of 18 financial institutions, rather than providing direct financing itself.

Differentiator

Problem solved

Functional benefit

Products and services

• Mikrofaktoring (Micro-factoring) Financing of supplier (factorant) invoices within factoring limits starting from 5,000 PLN, intended for micro and small businesses and sole proprietors. Funds individual invoices without requiring a credit history, with decision and payout within 24 hours.
• Faktoring niepełny (Non-recourse factoring) Financing of supplier (factorant) invoices without the factor assuming buyer insolvency risk. The most popular and cheapest form of factoring, where the risk of non-payment remains with the factorant.
• Faktoring pełny (Full recourse factoring) Financing of supplier (factorant) invoices along with the assumption of buyer insolvency risk by the factor and an insurer. The supplier receives funds and retains them even if the buyer fails to pay.
• Faktoring odwrotny (Reverse factoring) Reverse (purchase) factoring that inverts the classic financing scheme — the factor pays suppliers immediately, while the Buyer settles its obligation to the factor on an extended term. Strengthens the supply chain and enables negotiation of supplier discounts.
• Finansowanie niestandardowe (Non-standard financing) Bespoke financing solution for firms whose needs combine elements of loan, factoring, and leasing, tailored to unusual business models and industry-specific requirements.
• Finansowanie kontraktów (Contract financing) Pre-financing of contracts arranged in one of two ways — tailored to the contract's specifics, execution schedule, and risk profile. Supports firms executing large public and private orders with funding aligned to contract milestones.
• Kredyt (Credit) Brokered working-capital and investment loans (obrotowy and inwestycyjny) for ongoing operations and investment financing. The broker compares offers from multiple institutions in a single application.
• Leasing Leasing brokerage for unusual and high-value leasing assets (industrial machinery, production lines, specialized equipment) where standard solutions are insufficient.

Quantifiable outcome

• Up to 90–100% of invoice value received immediately (within 24 hours of submission)
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core and minor.

• AOW FaktoringcoreChannel Partner/ Reseller/ DistributorAOW Faktoring is one of the ~18 financial institutions in Plusfactor's network. Plusfactor acts as a broker, presenting client inquiries to multiple factors simultaneously to find the best financing terms. AOW Faktoring receives referrals from Plusfactor for factoring products.
• BibbycoreChannel Partner/ Reseller/ DistributorBibby (faktoring/bibby) is one of the ~18 financial institutions partnered with Plusfactor. Represents one option in the broker's comparison network for factoring and related services.
• BillectacoreChannel Partner/ Reseller/ DistributorBillecta is one of ~18 financial institutions in Plusfactor's partner network, providing factoring solutions that are presented to clients through Plusfactor's broker comparison service.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorBNP Paribas (through its factoring/financing arm) is one of the ~18 financial institutions in Plusfactor's network, representing a major international bank among the broker's partner options.
• CA EFLcoreChannel Partner/ Reseller/ DistributorCA EFL (Europejskie Finanse Leasingowe) is one of the ~18 financial institutions in Plusfactor's partner network, offering leasing and factoring products to clients referred through the broker.
• eFaktorcoreChannel Partner/ Reseller/ DistributoreFaktor is one of ~18 financial institutions in Plusfactor's network, providing factoring solutions that are offered to clients through the broker's comparison and matching service.
• FaktoriacoreChannel Partner/ Reseller/ DistributorFaktoria (faktoringowa) is one of ~18 financial institutions in Plusfactor's partner network for factoring products.
• FaktorOnecoreChannel Partner/ Reseller/ DistributorFaktorOne is one of the ~18 financial institutions in Plusfactor's network, offering factoring products through the broker's referral channel.
• FandlacoreChannel Partner/ Reseller/ DistributorFandla is one of ~18 financial institutions in Plusfactor's partner network, included in the broker's multi-institution comparison for factoring solutions.
• FineacoreChannel Partner/ Reseller/ DistributorFinea is one of ~18 financial institutions in Plusfactor's partner network, offering factoring services to clients referred through the broker.
• IFIS FinancecoreChannel Partner/ Reseller/ DistributorIFIS Finance is one of ~18 financial institutions in Plusfactor's network, providing factoring and financing solutions to clients through the broker.
• Millennium LeasingcoreChannel Partner/ Reseller/ DistributorMillennium Leasing (Bank Millennium) is one of ~18 financial institutions in Plusfactor's network, offering leasing products to clients referred through the broker.
• MoneviacoreChannel Partner/ Reseller/ DistributorMonevia is one of ~18 financial institutions in Plusfactor's partner network, providing factoring solutions to clients referred through the broker.
• Pekao LeasingcoreChannel Partner/ Reseller/ DistributorPekao Leasing (Bank Pekao) is one of ~18 financial institutions in Plusfactor's network, offering leasing solutions to clients referred through the broker.
• PKO LeasingcoreChannel Partner/ Reseller/ DistributorPKO Leasing (PKO Bank Polski) is one of ~18 financial institutions in Plusfactor's partner network, offering leasing products to referred clients.
• PragmacoreChannel Partner/ Reseller/ DistributorPragma (faktoringowa) is one of ~18 financial institutions in Plusfactor's network, offering factoring solutions to clients referred through the broker.
• SiemenscoreChannel Partner/ Reseller/ DistributorSiemens Financial Services / Siemens-related financing entity is listed among Plusfactor's partner institutions, representing an industrial/corporate financing option in the broker's network.
• SMEOcoreChannel Partner/ Reseller/ DistributorSMEO is one of ~18 financial institutions in Plusfactor's partner network, offering factoring solutions to clients referred through the broker's comparison service.
• Kancelaria Prawno Finansowa Plus spółka z ograniczoną odpowiedzialnością spółka komandytowaminorOthersKancelaria Prawno Finansowa Plus sp. z o.o. sp.k. (KRS 0000697117) is a related legal entity whose representative (Marek Kołtun, President of the Management Board) signed NDAs on behalf of Plusfactor and appears in the company's official NDA template. It is a separate legal entity from PLUSFACTOR Sp. z o.o. and PLUSFACTOR S.A., potentially serving as a legal/financial advisory arm.

Scale indicators4 records

Recent moves1 record

Expansion highlights3 records

Direct peers

• Mikrofaktoring: Polish micro-factoring service provider focused on financing individual invoices for small businesses. Directly competes with Plusfactor's Mikrofaktoring product for the same micro-business and sole-proprietor segment with invoices from ~700 PLN.
• Finansowo.pl: Polish financial product comparison portal aggregating loan, credit, and factoring offers. Same comparison/marketplace approach as Plusfactor in the Polish SME finance space.
• Rankomat.pl: Polish online comparison marketplace for loans, insurance, and banking products. Same intermediary/lead-generation business model as Plusfactor, connecting customers with multiple financial institutions through a single inquiry form.
• Comperia.pl: Polish financial product comparison platform aggregating credit, loan, insurance, and banking offers from multiple institutions. Operates the same comparison/marketplace model as Plusfactor but across a broader set of consumer financial products rather than SME factoring specifically.
• Cofi.pl: Polish credit marketplace aggregating loan offers from multiple lenders. Comparable to Plusfactor as a digital-first intermediary matching borrowers with lending institutions, though focused on consumer/SME credit rather than factoring.

Broad incumbents

• LendingTree: US-based publicly listed online lending marketplace that aggregates multiple lenders into a single comparison platform. Same fundamental business model as Plusfactor at vastly greater scale, and a useful benchmark for what a mature comparison/intermediary platform can become.
• Funding Circle: UK-listed SME lending marketplace connecting small businesses with multiple institutional lenders. Comparable to Plusfactor in the SME credit/invoice financing space and demonstrates the marketplace model at scale across Europe.
• MarketFinance: UK invoice and SME financing marketplace aggregating working-capital products from multiple funders. Directly comparable in product focus (invoice financing) though operating at much larger scale and broader geography than Plusfactor.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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

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 Plusfactor Sp. z.o.o.