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


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

Start today

Keep your company ambitions on track with PayRay