To Help Build Better Businesses

PayRay Bank is a bank specialising in business financing services with headquarters in Lithuania. A banking licence that allows lending and accepting deposits was issued to PayRay by the European Central Bank in 2019, at the suggestion of the Bank of Lithuania. 

Established in 2018, the company operates in international markets, providing factoring solutions and other financing services. It has a branch in Latvia and plans to expand to other countries.

PayRay Bank has brought together a team of first-class finance professionals and built an experienced international board of advisors. 

PayRay Bank is focused on small and medium-sized businesses, enabling them to stabilise their working capital and improve performance through the services it offers. The defining features of its services are flexibility, fast decision-making, and close attention to clients’ needs as well as the nature of their business. 

PayRay Bank continues to expand its portfolio of financing services, currently offering account financing and business loan services and having signed cooperation agreements with the European Investment Fund, INVEGA (a financial entity incorporated by the State of Lithuania), and other organizations.