PKO Faktoring, part of the PKO Bank Polski capital group, has entered into a strategic partnership with Polish fintech Cashy. The collaboration aims to bridge financial services with liability management technology — helping businesses maintain cash flow and streamline settlements with their contractors.
A Solution Built for Complex Supply Chains
The joint offering is primarily aimed at large companies that work with an extensive network of suppliers. At its core, it combines Cashy’s platform with PKO Faktoring’s reverse factoring (dynamic discounting) product. Under this model, suppliers receive payment for issued invoices ahead of schedule, while buyers can settle their obligations without tying up their own cash at a given moment.
The mechanism is designed to allow businesses to pay invoices early — even when their liquidity is limited. This can also facilitate more favourable terms when negotiating with suppliers and improve the overall financial stability of the entire supply chain.
How the Integration Works
Within the partnership, each company brings a distinct capability:
– Cashy provides the platform for liability management and supplier communication.
– PKO Faktoring delivers the financing.
Both systems have been integrated via API, enabling automatic data exchange and streamlining process execution — reducing manual steps and accelerating payment cycles.
Representatives from both companies emphasise that the partnership also has a clear commercial dimension: they aim to reach new customer segments and grow their combined offering of technology-driven business financing solutions.
About Cashy
Cashy operates in the supply chain finance space, offering services to large enterprises that want to provide their suppliers with additional financing options. The platform currently serves over 1100 businesses, predominantly from the SME sector. According to Cashy, in 2025 the total value of financing facilitated through their platform reached nearly PLN 500 million.
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