Merchant Cash Advance

Check out Merchant Cash Advance (MCA), a service that allows users of your e-commerce platform or marketplace to enjoy financing in installments that match their turnover.

Merchant Cash Advance

Flexible financing for merchants -Merchant Cash Advance

Maximum benefits for you and your merchants

What’s in it for you?

Competitive advantage – better financing possibilities can convince smaller companies
Loyalty of merchants – with attractive terms on your platform, they won’t look for alternatives
Increased merchant activity – with more buying power, users of your platform will be more convinced to use your services
Time and resources saving – new solutions will be included in your environment, so sellers may take advantage of them right away

What does the merchant get?

A customized financing proposal based on transaction history
Quick financing decision – it should take about 3 minutes!
Up to PLN 150,000 revolving financing limit for business expenses
Convenience and flexibility thanks to installments thet fir the company’s turnover

How does Merchant Cash Advance financing work?

Establishing cooperation
Let’s talk about the opportunities that Merchant Cash Advance can provide. If you’re interested, we’ll establish a partnership, and you’ll have time to inform merchants about the availability of the new service.
Offer and decision
We’ll prepare customized financing proposals for merchants, based on the data from your platform. The financing decision is usually made in a few minutes. The next step is to accept the contract. You just need to send an SMS code. All this is done instantly within your platform environment.
Information on the financing
PragmaGO will provide you with information whenever the merchant gets the loan. You will also receive data about what percentage of the merchant’s turnover will be debited from their account to pay for the installments.

Successful cooperation with partners

We work with small, medium and large companies. We focus on building long-term relationships and mutual benefits. The numbers speak for themselves!


active partners


accepted applications

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financing provided

What do the partners say?

Allegro partnerem PragmaGO

Ewa Krainska

B2B Financial Services Senior Manager, Allegro

We are working with PragmaGO to offer modern financing methods for companies that sell on Allegro. Our choice of partnership wasn’t accidental. From the very beginning, PragmaGO demonstrated not only professionalism and promptness but, most importantly for me, flexibility and willingness to experiment. Together, we create a new quality in the market of corporate financial tools for ecommerce sector. Above all, we are guided by the idea of searching for the essential characteristics of the sector. Starting from product design and UX, to technology solution, we build outstanding solutions for the industry. This is what sets our financial methods and products apart from those available in the industry. PragmaGO is not afraid to take risks and try new solutions. They actively participate in strategy building and are heavily involved in every project.
Shoper - partner PragmaGO

Lukasz Piechowiak

Head of Financial Services, Shoper

Cooperation with PragmaGO is very smooth and based on partnership. Our shared commitment to product development and improvement stands out. These are based on the best technologies and years of experience in online business financing. Online stores using the Shoper platform need financing that is technologically advanced, flexible, fast and transparent – which is exactly what PragmaGO delivers. As a result, the customer can apply for a convenient and attractively priced loan literally in a few minutes. Without leaving home, completely online, day or night. The money can then be used to further develop their e-shop exactly when they need it and when it is convenient for them. Thanks to the cooperation with PragmaGO, our users can experience the practical benefits of implementing modern fintech solutions in business.

Pick up free assets in the Partner Zone

After we establish cooperation, you will get access to the Partner Zone. You will find dozens of useful assets there. They might be helpful in communicating with your customers.

The package includes banner ads, social media posts, ready-to-go mailings and instructions for customers on how to use provided services.

We support IT departments with API documentation and swagger, among other things.

Wygodna Strefa partnera PragmaGO