Published: September 29, 2025 | Last updated: September 29, 2025
Obtaining financing for SMEs can be fast, flexible, and hassle-free—provided you use tools like Przelewy24 Finance.
Przelewy24 Finance allows entrepreneurs in Poland to secure financing of up to PLN 1,200,000 without collateral and with automatic repayment from store revenue. The process is entirely online, and a decision is made within just 90 seconds.
For e-commerce sellers, access to flexible financing means greater opportunities to scale their business. However, traditional bank loans can be impractical, costly, and slow. So what then? In this guide, you'll learn how Przelewy24 Finance works, who it's for, what its advantages are, and how to use this form of financing step-by-step. This is especially important for online store owners who want to grow their e-commerce without risky commitments.
Table of Contents
- What is Przelewy24 Finance?
- Who is this business financing for?
- How Przelewy24 Finance Works – Step by Step
- Benefits of Financing with Przelewy24 Finance
- Przelewy24 Finance vs. Other Forms of Financing
- How to Integrate This Financing into Your E-commerce Store
- 5 Practical Use Cases for E-commerce Sellers
- Secure Financing with No Hidden Costs
- Frequently Asked Questions (FAQ)
- Business Financing with Przelewy24: Summary
- Financing up to PLN 1,200,000 – with an automated decision in 90 seconds to 48 hours.
- Flexible repayment – automatic installments deducted from store turnover via Przelewy24.
- No hidden costs and full transparency – all managed in one Przelewy24 dashboard.
- Quick online application – no paperwork, formalities, or bank visits required.
What is Przelewy24 Finance?
Przelewy24 Finance is a modern and automated financing solution for businesses, integrated with the Przelewy24 payment platform. It was created with e-sellers in mind who need fast access to working capital—no unnecessary documents, no collateral, and no in-person bank visits.
The financing works on a “pay-as-you-earn” model—meaning repayments are automatically deducted as a percentage of sales processed via Przelewy24. There are no fixed monthly installments. If your store sells less, you pay less.
What Sets Przelewy24 Finance Apart?
- Financing up to PLN 1,200,000
- Fast processing – automated decision in as little as 90 seconds
- No hidden fees – full contract transparency
- Funds can be used for any purpose
- Flexible repayment makes managing liquidity easier
Who is this financing for?
This product is intended for small and medium-sized business owners who accept payments via the Przelewy24 platform. To qualify for financing, a company must have been operating for at least four months and have at least four months of sales through Przelewy24.
Typical Przelewy24 Finance Users:
- Owners of online stores (e.g., on Shopify, WooCommerce, PrestaShop)
- E-commerce sellers operating in Poland and abroad
- Seasonal businesses needing funds for specific periods (e.g., before Black Friday)
- E-commerce startups interested in financial leverage
How Przelewy24 Finance Works – Step by Step
The entire process takes just a few minutes and requires no traditional documentation.
- Log in to the Przelewy24 Dashboard.
- Select the “Przelewy24 Finance” option and the amount you wish to request.
- Complete the online application – an intuitive, short form.
- Accept the required consents to receive an offer.
- Automated decision – within 90 seconds, the system will present 1–3 financing offers.
- Choose the most favorable offer and sign it digitally.
- Following a positive review (up to 1 business day), the funds will be transferred to your account.
Looking for convenient payment solutions? Check out payment solutions from Przelewy24.
Benefits of Financing with Przelewy24 Finance
- Minimal formalities – no documents, meetings, or bank credit checks required
- Flexible repayment – tailored to your e-store's revenue
- Rising credit limit over time – higher sales mean a higher limit
- Funds usable for any purpose – from inventory to marketing campaigns
Przelewy24 Finance vs. Traditional Loans – Comparison
| Feature | Przelewy24 Finance | Traditional Loan |
|---|---|---|
| Available Amount | Up to PLN 1,200,000 | Depends on collateral |
| Decision Time | 90 seconds, automated | 2–7 days, with an advisor |
| Purpose of Financing | Any purpose | Often restricted |
| Repayment | Automatic from revenue | Fixed monthly installments |
| Costs | No hidden fees | Often additional charges |
| Collateral | None | Required |
How to Integrate Przelewy24 Finance in E-commerce?
If you already use Przelewy24 as a payment gateway in your store – there's nothing to install. Simply log in to your dashboard and activate the financing option with a few clicks.
If you're just getting started, check out convenient payment methods for online stores – integration is fast, and the platform also supports international payments.
Przelewy24 Financing is especially useful if you plan to:
- stock up before the sales season (e.g., Black Friday, holidays),
- invest in advertising – PPC, remarketing, or international campaigns,
- expand sales channels on platforms such as Amazon, eMAG, or Kaufland.de,
- develop your technology – integration with ERP, warehouse, or fulfillment systems,
- improve cash flow without the risk of missed payments.
Frequently Asked Questions (FAQ)
1. Can I use the funds for any purpose?
Yes. The financing is not tied to a specific investment goal.
2. Can I repay early?
Yes, early repayment is allowed with no extra fees.
3. What businesses qualify?
Stores with at least 4 months of sales through Przelewy24 and a registered business activity.
4. What if I have no revenue?
In that case, the system will temporarily suspend installment collection, but your limit may be adjusted in the future.
5. Does this also work in international markets?
Yes, as long as sales are processed through Przelewy24, the recipient’s country and currency do not matter.
Przelewy24 Finance: Overview
Przelewy24 Finance is a fast, secure, and flexible way to obtain external financing for dynamic e-sellers. Easy access to funds, no paperwork, no collateral, and automated revenue-based repayment—all so you can scale your business when you need to most.
Don't postpone business growth. Take advantage of Przelewy24 payment solutions and give your store the growth boost it deserves.
Looking for convenient payment methods?Adapt them to your customers and gain a competitive edge.
Sources
- Przelewy24 Finance – official website
- E-commerce in Poland Report 2024 – Gemius/PBI
- BIK Statistics, 2025
