Capital,
measured.
PAY20 d.o.o. provides structured lending to businesses that value clarity over complexity. We underwrite with discipline, decide with speed, and communicate without jargon — because capital should empower, not confuse.
Facilitated
Retention
Window
Markets
Lending built around your business.
We do not sell products. We engineer capital structures aligned with your cash flow, growth trajectory, and risk tolerance. Every facility is designed for a specific purpose — never a template.
Revolving Credit Facilities
Flexible credit lines from €15,000 to €500,000, designed to smooth seasonal fluctuations and fund day-to-day operations without eroding equity.
Our approach focuses on receivables quality and order book strength — not just balance sheet ratios. The result: faster approvals and limits that grow with you.
Secured Lending
Unlock liquidity from commercial real estate, equipment, or vehicle fleets. Rates from 3.6% APR with terms structured to match the useful life of the asset.
We manage valuation, legal perfection, and disbursement — one point of contact, no coordination burden on your team.
Acquisition & Bridge Facilities
When opportunity demands immediacy, our bridge facilities fund in as little as 5 business days. Purpose-built for property acquisition, M&A, and time-critical refinancing.
Interest is calculated daily, with no early repayment penalties — giving you the flexibility to exit as soon as permanent financing is in place.
Four stages. No surprises.
We keep the process deliberately simple. You should know exactly where your application stands at every stage — and what happens next.
Initial Consultation
A 20-minute call to understand your financing need, timeline, and constraints. No commitment, no paperwork yet.
Indicative Terms
Within 24 hours, you receive a written term sheet outlining amount, rate, tenor, and conditions. Clear and complete.
Underwriting
We review financials, collateral, and structure. Most decisions are rendered within 48 hours of receiving complete documentation.
Disbursement
Upon acceptance and completion of legal formalities, funds are released directly to your designated account.
What borrowers should know.
Informed borrowers negotiate better outcomes. These are the fundamentals we believe every business should understand before signing.
01 — The Real Cost of Rate
A 0.5% rate difference on a €250,000 facility over 7 years represents roughly €8,750 in additional interest. Negotiating rate is not optional — it is the highest-return hour you will spend.
02 — Structure Over Rate
61% of SMEs that default on loans cite mismatched repayment schedules — not excessive rates — as the cause. The right structure prevents more failures than the lowest rate ever will.
03 — Speed as Leverage
In competitive acquisition scenarios, buyers with pre-arranged financing close 4× more often than those still seeking capital. Financing readiness is a competitive advantage, not an afterthought.
Tell us what you need.
Send a brief description of your financing requirement. A senior member of our team will respond within one business day — directly, not through a call queue.
10000 Zagreb
Grad Zagreb, Croatia
Pay20 Client App
Review terms, track disbursements, and manage repayments from anywhere. Launching soon on the App Store.