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Fast and flexible business financing

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Why “PayRay”?

Banking licence

In 2019 European Central Bank issued a full banking licence

SME business experts

Delivering innovative services in Lithuania

Simple and flexible

Tailored loans for SMEs

Solid experience in finance

Professional & versatile banking management team

Individually customized decisions

We take into account your individual business needs when making decisions

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Capital unlocked

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Credit portfolio

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Trusted clients

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Employees

“PayRay” products

Loans

Financing solutions that meet your business expectations.

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Factoring

Stop worrying about payments, start focusing on your business growth.

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Leasing

Need new equipment, expanding vehicle fleet? Problem solved! We will help you optimize your cashflow. You can focus on your business growth and new opportunities.

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Deposits

Available in Germany, Spain, and Netherlands

Our experience

We fully understand the challenges many growing businesses face. In order to simplify the financing process, we provide flexible and personalized services for SMEs.

Lithuania

Our expansion on Lithuanian market started in 2018. Since then we have achieved a banking license, issued by the European Central Bank (2019), and have built a talented team of business financing experts. With a vast experience across a wide range of industries, our team is well placed to deliver informed and effective solutions for your business.

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International

“PayRay” offers term deposits for people in Germany. We are partnering with Germany’s leading savings platform Weltsparen.de, breaking down barriers for efficient saving instruments.

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Lithuania

Our expansion on Lithuanian market started in 2018. Since then we have achieved a banking license, issued by the European Central Bank (2019), and have built a talented team of business financing experts. With a vast experience across a wide range of industries, our team is well placed to deliver informed and effective solutions for your business.

Learn more

International

“PayRay” offers term deposits for people in Germany. We are partnering with Germany’s leading savings platform Weltsparen.de, breaking down barriers for efficient saving instruments.

Learn more

Like no other bank

Ticking all the boxes for SMEs needs.

Traditional Bank “PayRay” Bank
Lower collateral
Tailor made systems
Dedicated especially for SME needs
Smooth and easy process
Illustration about client success with Payray

The cooperation with “PayRay” bank is based on mutual understanding and great efforts to get the best result. For business, the most important thing in financing services is the price that corresponds to the assumed risk, the volume of financing, and the speed of providing services. “PayRay” succeeded in offering the best conditions for our businesses.

Austė Augustinaitė

Head of Strategy and Business Development at “Imlitex”

“PayRay” bank provided the necessary financing under the conditions that met our capabilities, as well as added value in additional consultations with “PayRay” experts.

Vygandas Urbanas

CEO at “Saulėtas pušynas”

Finding a proper financing solution could be a very stressful and difficult part of the business. This experience could be rather pleasant and carefree if you choose your partners wisely. “PayRay” proved to be extraordinary professional and attentive to details as well as communicating everything clearly and in a very coprehensive way. I would 100% recommend “PayRay” bank as a professional, flexible and well trusted loan provider for your business.

Roberta Blekaitienė

Owner at “Kurhauzas” restaurant

We are official retailers of agricultural machinery and we recommend “PayRay” with full confidence as a financing partner to our customers: we have never been disappointed with the competence of “PayRay” specialists and the proposed financing solutions, neither did our customers.

Karolis Muduris

Sales director at “East West Agro”

We have been working with “PayRay” since 2021. During this period, we did not have any troubles; on the contrary, “PayRay” bank not only helped our customers to find best solutions how to finance the purchased assets, but also provided additional consultations on how to finance it under more favorable conditions.

Saulius Silickas

CEO at “Žemtiekimas”

We started working with “PayRay” when the company was still in the early development stage. Although we were very new to all the financial solutions, we quickly learned that factoring is a helpful tool to balance our financial flows. With a help of “PayRay” experts the process with our clients and suppliers was smooth and quick.

Tomas Šeškevičius

CEO at “TS Group”

“PayRay” in media

Our latest news & business insights

Verslo Žinios

At the “Verslo žinios” conference “Team Leaders”. We create value together” TOP 5 employers and the winner of the start-up category were awarded.
UAB Telia Global Services Lithuania became the most desirable company this year, and the laurels in the start-up category went to PayRay bank. The title of the most desirable employer is the second important assessment of “PayRay” bank this year: the company entered the “Financial Times” (FT) TOP 1,000 fastest growing companies in Europe ranking and climbed the highest among Lithuanian companies – to 17th place.

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Financial Times

The latest FT/Statista ranking of Europe’s fastest-growing companies has been published just as Russia’s war in Ukraine enters its second year — but it is the enduring impact of Covid-19 that is evident in this survey. As it is based on revenue growth at European companies in the three years to 2021, the ranking below shows how many businesses thrived despite the pandemic — or, in many cases, because of it.

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Verslo Žinios

Some of the companies that have not yet recovered from the shock of the pandemic are facing working capital management difficulties due to record-growing energy resources, raw material prices, geopolitical factors and the situation in the labor market. To solve these problems, the business is increasingly using the European Guarantee Fund (EGF) guarantee.

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Verslo Žinios

Having received a commercial bank license in Lithuania in December 2019 and this activity in 2020. “PayRay” bank, which started in 2010, expands its activities and starts providing leasing services in Lithuania and Latvia. In Lithuania, PayRay will start providing leasing services to companies in December. It is planned that the leasing portfolio will reach 40 million Eur within two years.

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Delfi

Both the first and the second quarantine are a serious challenge for businesses operating in Lithuania. How large businesses manage to deal with it can be answered by looking at just a few sectors – they reflect the whole situation like a litmus test. Those for whom it is more difficult to control the influence of the pandemic on their business could and can turn to the state for support – a whole series of measures have already been created for this, and new ones are now being planned.

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LRT.lt

In recent years, financial therapy has become increasingly popular around the world to help people deal with emotional issues related to money worries. Specialists providing financial advice to residents increasingly take into account the emotional aspects related to financial management.

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15min.lt

Last year, the credit portfolio of “PayRay” bank for businesses in Lithuania reached 113.14 million euros and was more than three times higher than in 2020. The need for Lithuanian business financing was increased by higher economic activity of some sectors, investments and rapidly growing prices of raw materials, according to the press release.

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Management Board

Renato La Fianza

Chief Executive Officer, Chairman of Board

Paulius Jokšas

Deputy to Chief Executive Officer, Member of Board

Gianluca Balducci

Chief Technology Officer, Member of Board

Simonas Skaržauskas

Chief Financial Officer, Member of Board

Keep your company ambitions on track with “PayRay”

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