The value of receivables purchased by factoring companies increased by 11.0% in 2025 to PLN 581.8 billion, according to data from Statistics Poland. However, the market expanded unevenly: while transaction value remained concentrated in the three largest regions, the number of clients grew fastest in areas that had previously played a marginal role in the industry. Financial results for the 29 largest non-bank factoring companies also show that, despite lower revenue, the sector\u2019s net profit more than doubled.<\/p>\n\n\n\n
Statistics Poland\u2019s 2025 survey covered 48 entities engaged in factoring activity: 40 non-bank companies and 8 commercial banks for which factoring is secondary to their core banking business. Together, these entities purchased 29.7 million invoices worth PLN 581.8 billion and served 31.7 thousand clients.<\/p>\n
The growth rate of transaction value, at 11.0%, was markedly higher than the increase in the number of purchased invoices, at 1.8%, and the number of clients, at 1.4%. This means that both the average value of a single invoice and average turnover per client increased. Poland\u2019s factoring market is therefore maturing together with the companies it serves, rather than expanding solely through the acquisition of new clients. Domestic factoring remained by far the dominant form of financing, accounting for PLN 509.5 billion in purchased receivables, while international factoring, the fastest-growing segment with an increase of 20.4%, reached PLN 72.3 billion.<\/p>\n\n
Among the 40 non-bank factoring companies, the value of purchased receivables increased by 12.0% to PLN 483.9 billion, representing 83.2% of the entire market. Domestic factoring accounted for 86.5% of turnover in this group, while international factoring accounted for 13.5%. The number of clients served by non-bank factoring companies rose by 1.9% to 29.6 thousand.<\/p>\n
A different trend was recorded among commercial banks conducting factoring as a secondary activity. The value of purchased receivables increased by 6.5% to PLN 97.9 billion, but the number of clients served fell by 5.3% to 2.1 thousand, while the number of purchased invoices declined by 8.0%. Banks are therefore focusing on a smaller number of clients with higher turnover, while non-bank companies are expanding more broadly. At the end of 2025, non-bank factoring companies employed 1,847 people and provided services through 130 branches, representative offices and subsidiaries.<\/p>\n\n
The three largest regions \u2014 Mazowieckie, Wielkopolskie and \u015al\u0105skie \u2014 accounted for a combined 56.1% of domestic factoring value in 2025. Mazowieckie strengthened its leading position, recording PLN 121.4 billion in purchased receivables, up 13.2% year on year. It was followed closely by Wielkopolskie, with PLN 114.2 billion, up 13.4%. Dolno\u015bl\u0105skie was the only region to record a clear decline, down 2.4%, while Warmi\u0144sko-Mazurskie grew the fastest, although from a low base, increasing by 52.3%.<\/p>\n
A more interesting picture emerges from the number of clients. In the three largest regions, the number of factoring clients declined: by 6.1% in Mazowieckie, 6.8% in Wielkopolskie and 5.9% in \u015al\u0105skie. At the same time, regions previously considered peripheral to the industry saw double-digit growth in new clients. In Lubuskie, the number more than doubled, from 832 to 1,698 clients, an increase of 104.1%. A similar trend, although on a smaller scale, was visible in Opolskie, up 71.3%, and Lubelskie, up 26.7%. The Polish factoring market is therefore becoming increasingly two-track: in economic centres, transaction value is rising despite a declining client base, while less saturated regions are attracting new and smaller factoring clients.<\/p>\n\n
Statistics Poland presented financial data for 29 non-bank companies keeping full accounts, for which factoring was the sole or dominant line of business. Revenue from total activity in this group declined by 1.4% to PLN 3.525 billion, while costs fell by 5.2% to PLN 3.193 billion. As a result of this cost discipline, net profit increased from PLN 111.6 million to PLN 232.7 million, more than doubling. Of the 29 entities surveyed, 22 generated a combined positive net result of PLN 292.8 million, while 7 reported combined losses of PLN 60.1 million.<\/p>\n
The value of assets held by this group of companies increased by 4.5% to PLN 48.6 billion. Current assets clearly dominated, at PLN 47.2 billion, including short-term receivables representing 75.2% of current assets. On the liabilities side, liabilities and provisions accounted for 96.1% of the balance-sheet total, reflecting the high financial leverage typical of a business model based on refinancing purchased receivables.<\/p>\n\n
In 2025, the factoring activity of the surveyed entities was financed primarily through bank loans and borrowings, which accounted for 64.8% of total funding, followed by own funds at 20.4% and corporate bonds at 10.3%. The structure differed significantly between non-bank companies and banks. Non-bank factoring companies relied on bank loans and borrowings for 83.3% of their funding and on corporate bonds for 13.2%, while banks financed their factoring operations mainly from their own funds, at 82.1%. Overall, the value of financial resources committed to factoring activity at the end of 2025 increased by 13.7% to PLN 72.1 billion, with domestic factoring accounting for 89.1% of the total.<\/p>\n\n