Financing products
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Stop putting out fires with paperwork and waiting on late payments. Pavenow gives you intelligent tools for financial control AND fast access to cash for growth, investments, or taxes.
On one front: the daily chaos. Stacks of invoices, chasing late payments, and a cash flow you can only guess at.
On the other: the pressure to grow. Needing capital for new inventory, investing in your team, and hitting ambitious targets.
Sounds familiar?
Most SMEs are forced to choose between better financial control and access to capital.
We built one platform that solves both. We give you the tools for day to day control and the capital for sustainable growth.
Take control of your finances with smart automation. Reclaim your time and make decisions based on data, not guesses.
Get fast, fair access to funding when you need it. For growth, for investments, or even for taxes. No bank jargon, no piles of paper, just a clear decision and transparent costs.
Learn moreFrom smart financial management to on-demand capital, this is your complete growth platform.
Discover the tools that give you control, whether you're at your desk or on the go.
Manage invoices, pay bills, and analyze cash flow from your desktop or mobile app. Our smart OCR reads your invoices for you - just snap a photo with your phone. It's your new financial assistant, automated.
Create and send professional invoices in seconds, track who has paid, and automate polite reminders for overdue invoices.
Record supplier bills, capture receipts with OCR, and route costs through simple approval workflows so nothing gets lost.
Let employees submit expenses on the go. Approve them based on predefined roles and keep full control of team spending.
See your true cash position, upcoming payments, and key metrics in clear dashboards. Make decisions based on data, not feelings.
When you need capital, you should not have to fight with bank paperwork. Pavenow Financing gives you fast, transparent funding options tailored to how SMEs really work.
Cash for new equipment, inventory, or marketing. Fast, non bank financing with minimal paperwork and an online decision.
A dedicated loan to cover tax or ZUS obligations on time, so you can breathe easier and focus on running your business.
Get paid earlier on selected invoices. Improve your cash flow without taking on long term debt.
Longer term financing secured against company real estate, designed for larger investments and strategic projects.
Whether you're a one-person army or a fast-growing team, Pavenow is built for you.
Your Pain: You're the CEO, salesperson, and accountant. Every minute spent on paperwork is a minute you cannot bill. Deadlines are a constant source of background stress.
Pavenow's Solution: Get hours back every month. Snap photos of receipts and invoices on the go, keep all documents in one place, and share clean records with your accountant in a few clicks. And when needed, get access to the fast financing for your tax payments, so you have peace of mind.
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Your Pain: You are juggling team management, sales, and putting out financial fires. Different people use different tools, spreadsheets are breaking, and you do not have a clear, real time view of cash flow. Banks are slow when you need capital.
Pavenow's Solution: Get real-time control of your cash flow, even from your phone. Unify your finances in one platform. Automate invoices, bills, approvals, and cash flow analytics so your team is more efficient and everyone works from the same numbers. (PL: And when an opportunity or gap appears, you can access business financing directly from Pavenow.)
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Your Pain: You're growing fast and burning cash. You need hard data for investors, scalable processes, and maximum focus on your product, not on admin work.
Pavenow's Solution: Get a scalable platform that grows with you. Generate clean financial reports 24/7 on any device to react fast and make data-driven decisions.
We believe talking about money should be simple, honest, and supportive. That’s how we work.
We translate complex finance into simple, actionable insights. No 'synergies' or 'optimizations' here. Just clear-cut tools that save you time.
We're entrepreneurs, too. We understand the late-night stress, the cash flow crunch, and the constant fire-fighting. We built the tool we always wished we had.
Our goal isn't just to 'advise.' We give you practical tools and capital that put you back in the driver's seat. You’re in charge - we just provide an updated GPS and a full tank of gas.
We’re not just another tech app. We are a financial institution you can rely on,
backed by the stability and security of a real bank.
Built on bank-grade infrastructure and standards
Advanced encryption and secure data storage
GDPR-first approach to personal and business data
Access controls and security processes designed for scale
Partnership with Magnetiq Bank - EU-licensed Banking-as-a-Service provider
Banking stack supported by Signet Bank in the Baltics
Clear separation of financial operations and data access roles
Reliable rails for payments, accounts, and regulated workflows
Faster workflows without compromising security
More stability than typical standalone apps.
Clear, bank-backed foundation for daily operations
Peace of mind while you focus on growth
We're proud to be featured by leading publications that share our passion for supporting SME growth.
You don't have to take our word for it. Hear directly from business owners
who are saving time and growing faster with PaveNow.
Have questions? We have answers.
We use a transparent SaaS subscription model. No hidden fees. You can see all our plans on our [Pricing] page.
Yes. The full mobile app (iOS & Android) is included in every plan. We want you to have control of your finances anywhere.
No, we make your accountant's life easier! PaveNow is for managing your day-to-day finances (cash flow, payments). We provide clean, organized data for your accountant to handle taxes and official bookkeeping.
No, our products are independent. You can use our software, our financing, or both. We believe they work best together, but the choice is always yours.
Your banking app shows you what happened. PaveNow helps you manage what's next. We focus on automating your invoices, managing future bills, and giving you real-time analysis of your cash flow - all things your bank doesn't do.
Not at all. PaveNow was built for time-poor entrepreneurs, not just finance experts. You can start simple by just using our mobile app to snap photos of invoices. It's designed to be intuitive and save you time, regardless of your company size.
You can set up your account in minutes. Our goal is for you to automate your first invoice the same day you sign up.
We are more flexible than traditional banks. We look at your real business performance and cash flow, not just rigid credit scoring. The only requirement we have is to run your business at least 6 months.
