Roberto Popolizio
Published on: August 14, 2025
In Poland, most small businesses don’t fail because they’re unprofitable.
They fail because they run out of cash, because of too long payment terms, limited bank access, or a lack of factoring awareness.
SMEO is fixing this by giving Polish SMEs instant access to working capital with no paperwork, no bank visits, and no delays.
In this exclusive interview with Website Planet, we learn exactly how they do that.
If your Polish business is still waiting 90 days to get paid, this is a faster, smarter way forward.
The Polish Liquidity Gap
Every day, businesses across the country send out invoices with 30, 60, even 90-day terms.
Work is done, goods are delivered, but payments are delayed. Meanwhile, salaries are due, suppliers are waiting, and “accounts receivable” is just a folder, not usable cash.
This cash flow gap isn’t a niche problem. In 2025, it remains one of the biggest threats to SME survival in Poland.
This Should Be the Solution… So Why Isn’t It?
There’s already a financial tool designed to fix this: factoring.
In theory, it’s simple. You sell your invoice to a financing company. They give you the cash now. When the client pays, they collect the funds.
But in Poland, factoring remains misunderstood and underused.
Many SME owners think it’s only for large firms. Others assume it’s expensive, complex, or just another form of debt.
But to be fair, traditional factoring services haven’t done much to change that reputation. They’re often slow. Paper-based. Opaque in pricing. And inaccessible to the very sectors that need them most, like transport, construction, and agriculture.
So the companies that could benefit most from factoring… don’t use it at all.
That’s where SMEO comes in. Not with slightly better terms. Not with digitized paperwork. But with a completely rebuilt financing system: one that offers fast, fair, and flexible access to capital for the businesses that keep the economy running.
Transparency is also spot on with a process simple as this:
- You fill out an online form for a factoring limit
- You issue an invoice and submit it to SMEO
- SMEO informs your contractor, who then pays the invoice to them
- SMEO pays you an advance payment within 5 minutes to 24 hours (with their commission already deducted)
- SMEO waits for your contractor to pay and you can use the money immediately
- After receiving payment from the contractor SMEO sends you the remaining amount from the invoice
Note: if a settlement is needed, your account manager will take care of it.
It all starts not from a market truth
Poland’s SMEs are systematically underserved by traditional finance.
They need invoice financing to be radically faster, fully digital, and actually useful.
SMEO is the answer to that: a fintech platform designed around speed, simplicity, and trust.
- No branch visits, no physical paperwork, 100% online
- Invoice financing decisions in under one minute
- Funds delivered in 24 hours
- Support for both złoty and euro
- Clear, transparent pricing with no hidden fees
- Fees charged daily, only for the financing period, for optimal cost management
- High limits, from PLN 10,000 to PLN 5 million
So it’s not just about digitizing the factoring process. It’s about redefining who factoring is for, making it accessible to companies that would’ve been rejected or ignored by traditional players.
Businesses Using SMEO Don’t Just Save Time. They Gain Control
When a Polish SME switches to SMEO, the biggest change is so crucial it could be emotional:
They stop waiting.
They stop worrying about whether the client will pay this week or next month.
They stop making decisions based on what’s sitting in accounts receivable.
They stop turning down opportunities because of cash flow uncertainty.
With SMEO, they can move faster, plan better, and grow with confidence.
Whether it’s covering payroll, upgrading equipment, or taking on a big order, companies that use SMEO gain back the one thing traditional finance has denied them for too long: control.
Doing Nothing Is Getting Costly
Here’s what happens when small businesses don’t fix the cash flow trap:
- They stay small, cautious, and underinvested.
- They lose negotiating power with suppliers and clients.
- They become more vulnerable to inflation, market shocks, and missed payments.
Until they eventually run out of options.
In a market like Poland, where SMEs make up over 99% of all companies and generate nearly 50% of Poland’s GDP, this isn’t just a business risk. It’s a national economic vulnerability.
A Financial Partner That Moves at the Speed of Business
SMEO isn’t trying to replace banks. It’s doing something different: filling the gap that banks have never served.
By using technology to eliminate friction, reduce risk, and give SMEs real-time access to capital, SMEO is creating a financial experience that feels like it belongs in 2025, not 1995.
And the results speak for themselves.
Thousands of Polish companies, from local haulers to growing e-commerce firms, are using SMEO to turn unpaid invoices into fast, flexible working capital.
They’re not asking for favors. They’re not begging banks. They’re just getting paid, instantly, fairly, and on their terms.
Your Work Is Done. You Deserve to Get Paid Now.
If you’re running a business in Poland and tired of liquidity gaps, slow banks, or lost opportunities, it might be time to try something different.
Not a loan. Not another credit line. Just your money, when you need it.
Reach out to SMEO to see why they might be exactly what you need:
LinkedIn: https://www.linkedin.com/company/smeo/
Sources:
https://www.statista.com/statistics/1259507/poland-late-payments-of-more-than-90-days/
