Working capital financing

Moving your business forward

Get financing

Our benefits

Balanced cashflow and payments

We will support your when you need it most

Get your funds fast

Once approved, the funds will reach you in 48 hours

Easy to apply

Tailored for small and medium business

Smooth disbursement process

Fast and reliable digital solutions

Working capital financing

Supplier payments

Employee renumeration

Tax payments

Backed by trusted EU and Lithuanian funds

PayRay is cooperating with trusted institutions to deliver your business reliable solutions.

European Investment Fund is a specialist provider of risk finance to benefit SMEs across Europe. EIF shareholders are the European Investment Bank, the European Union and a wide range of public and private banks and financial institutions. More than 1 million SMEs have benefited from enhanced access to finance through financial instruments managed by EIF.

INVEGA manages financial instruments designed to help entrepreneurs start or expand small or medium-sized enterprises by providing soft loans, guarantees for loans and leasing, partial financing of loan interests and granting business start-up subsidies, compensations for the costs of employee training or consultation services and creating and managing venture capital instruments.

New traction for your business with PayRay!

Having a vast amount of experience with European SMEs, our experts will tailor a unique solution for you. Fast, efficient and best suited for your business growth.

Amount

10 000 €

5 000 000 €

Period

3 months

120 months

Remaining amount

0 %

50 %

Interest

5 %

12 %

In total

Interest amount

Monthly payment

Submit

How it works?

Apply

Complete our easy online application and send us any supporting documents.

We review your application

Our team look at your application and any collateral you have alongside your company, industry and potential for growth before finding a solution to fit your needs.

Get your funds

Once approved, the agreed funds will reach your account within 48 hours.

Other financing options

Leasing

Factoring

Real Estate financing

Agriculture financing

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”

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 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”

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”

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

“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”

Frequently asked questions

Illustration about clients with questions.

Have a question? Let’s talk!

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