Instant decision and digital business financing
Let's move your business forward.
Simple and flexible
Low fees
Quick decisions
Borrow up to €6 million
Safe and secure
50+ years financial experience
Funding options
Factoring
Keep your cash flowing
Turn unpaid invoices into working capital with factoring.
Small business loans
Better business borrowing
Keep your company ambitions on track with a loan that delivers funds fast.
When we needed more working capital, PayRay reacted extremely fast and granted us a factoring limit in a few days.
Why PayRay
Helping businesses think bigger
We’re experts in supporting small and medium businesses to develop. Whatever you do, our experts can tailor a quick, effective solution to your needs.
Fast - Get a decision in 2 days
Flexible - Tailor borrowing to your needs
Personal - We consider your individual business needs in our decision making