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Allegro Kapitał
How to use Allegro Kapitał
With Allegro Kapitał, you can access funds for your ongoing business operations, and easily settle obligations towards us.
Allegro Kapitał is a flexible financing option for sellers on Allegro. We combine various loan options within one service. You can adapt them to your business's needs. To start with, you can choose between a Revolving loan line with flexible repayment from sales and loans with fixed installments. You always see all costs before concluding the agreement. You can complete the entire process in a few minutes — fully online, without financial documents or certificates.
Within the Allegro Kapitał service, you can take advantage of:
- the Revolving loan offered by Allegro Pay
- the Loan for greater needs – in cooperation with PKO Bank Polski
- the Loan for emergency expenses – financing is provided by PragmaGO S.A.
What the Revolving loan is
It is a Revolving loan limit for any business purposes. You withdraw the money from the limit via a free instant transfer – on working days from 8:00 a.m. to 8:00 p.m. You conclude the agreement for 12 months. It can be extended, also automatically, for subsequent analogous periods.
Financing is provided by Allegro Pay which determines its maximum value for a given seller each time – up to 50,000 PLN.
You can use the Revolving loan if you meet 2 conditions:
- you have been running a sole proprietorship for at least 18 months
- you have had an active Allegro business account for at least 12 months.
Apart from that, you will need:
- a Polish ID card
- a Polish bank account number – to withdraw money from sales on Allegro.
How to get a Revolving loan limit
We make the decision to grant the Revolving loan based on a short online application submitted by you.
As part of the Revolving loan, we will grant you a specific limit amount – it determines the maximum amount of money you can use. Its amount results from an analysis of your creditworthiness, Allegro sales history, data from external databases (e.g., BIK, KRD, ERIF), and information from your bank account that you share while submitting the loan application.
Before signing the agreement, you can independently choose the final limit amount you wish to activate. The granted loan amount is fixed and renews after each repayment. You can withdraw funds 3 times a day.
How to activate the Revolving loan
- Go to the Allegro Kapitał dashboard.
- Click [złóż wniosek] | (submit application).
- We will automatically pre-fill your details based on information from your Allegro account, sales data, and information from public databases, such as CEIDG. Check if they are up-to-date. If not, you can change them in the Account Details tab.
- Accept the Allegro Kapitał Terms & Conditions and mark the required consents and statements.
- Click the logo of the bank where you hold the account for Allegro sales payouts. We will verify your account history using the secure Kontomatik application.
If you do not see your account on the bank's website, check if you are logging into the correct business account. - Mark the required consents and complete the verification on your bank's website.
- If the decision is positive, we will ask you to choose the limit amount you wish to receive. The minimum automatic repayment amount is linked to the chosen limit.
In the event of a negative decision, you can reapply after some time – preferably no sooner than after 30 days. - You will receive an SMS with an authorization code at the phone number provided in the application.
- Review the documents displayed on the agreement conclusion screen. Then, enter the authorization code in the appropriate field and click [podpisz umowę] | (sign the agreement). Done! You will receive the countersigned agreement at the email address provided on your Allegro account.
After the agreement is concluded, you can use the granted funds. You can order the first withdrawal right away or do it later in the Allegro Kapitał dashboard. The loan funds will always be transferred to the bank account number you provided in the Payout Settings tab. You can withdraw them immediately with a quick transfer, provided that payments are carried out from Monday to Friday, from 8:00 a.m. to 8:00 p.m. Withdrawals ordered at other times will reach your account on the next business day after the order, once the transfer is credited by your bank. It is up to you to decide how much money you want to withdraw within the available limit.
How to repay the Revolving loan
We collect repayments automatically from your sales on Allegro – according to a set percentage of daily sales. This allows you to adjust the pace of loan repayment to the pace of your sales – and at the same time, you do not have to remember monthly deadlines.
Before you sign the agreement, you will learn the minimum amount of such an automatic repayment – that is, the percentage of your daily sales on Allegro that you will allocate for automatic repayments of funds withdrawn from the Revolving loan. We calculate the automatic repayment amount based on the value of your total sales on Allegro on a given day, before deducting commissions, fees, and refunds.
You can change the automatic repayment amount during the term of the agreement in the Allegro Kapitał dashboard. However, it cannot be lower than its minimum amount.
If you want to make an overpayment or repay the loan ahead of schedule, you can do so via transfer at no additional cost. You can find the transfer details in the Allegro Kapitał dashboard.
Who provides the Revolving loan?
The Revolving loan is provided by Allegro Pay sp. z o.o. with its registered office in Poznań, ul. Wierzbięcice 1B, 61-569 Poznań, entered into the Register of Entrepreneurs kept by the District Court Poznań - Nowe Miasto i Wilda in Poznań, 8th Commercial Division of the National Court Register under KRS number: 0000852900, with a fully paid-up share capital of 5,335,850.00 PLN, NIP: 7010629909, REGON: 365792923.
What are the costs associated with the Revolving loan?
Activating the Revolving loan costs you nothing – this way, you gain access to additional funds at any time you need them.
Fees appear at the moment you withdraw funds from the Revolving loan to a bank account. The interest rate is specified in your agreement. We calculate interest daily on the actually used amount of the granted limit.
What happens if my sales proceeds are not enough for the automatic repayment?
If your sales on a given day are too low to cover the required value of the liabilities under the loan agreement (principal, interest, fees), we will attempt to collect the repayment for that day from your daily sales on subsequent days.
If unpaid liabilities in a given month accumulate, at the end of the month you will receive a settlement indicating the missing amount to be paid. We will also attempt to collect the required liabilities via automatic repayment after the settlement is issued. You can find information on the exact and current amount due in the Allegro Kapitał dashboard. Transfer the amount to the repayment account by the 25th day of the following month.
Can I extend the agreement?
The agreement is concluded for 12 months. We will automatically extend it for another period – provided that your creditworthiness and credibility assessment remains positive. We will notify you of the possibility and terms of extension at the latest 60 days before the end of the current credit period.
If you do not wish to extend the agreement, let us know via the contact form. This must be done at least 14 business days before the end of the agreement.
What the Loan for greater needs is
The Loan for greater needs is an installment loan offered by Allegro Kapitał. We developed it specifically for Allegro sellers in cooperation with PKO Bank Polski. You receive the loan funds – up to 300,000 PLN – into your bank account and can use them for any business purpose – you do not need to disclose the purpose to either us or the bank.
You can use the Loan for greater needs if you meet 2 conditions:
- you have been running a sole proprietorship for at least 18 months
- you have had an active Allegro business account for at least 12 months.
Apart from that, you will need:
- a Polish ID card
- a Polish bank account number provided for Allegro sales payouts
- the mObywatel app.
How to activate the Loan for greater needs
- Go to the Allegro Kapitał dashboard.
- Specify the loan amount and repayment period.
- Click [złóż wniosek] | (submit application).
- Accept the Allegro Kapitał Terms & Conditions and mark the required consents and statements.
- Share your personal data for the application using the mObywatel app.
- Complete any missing personal and business data. We will pre-fill some information for you automatically based on your Allegro account data. Check if they are up-to-date. If not, you can change them in the Account Details tab.
- Confirm that everything is correct.
8.PKO Bank Polski will verify your data and application and decide whether to grant you the loan. If the decision is positive, you will receive an SMS with an authorization code at the phone number provided in the application.
In the event of a negative decision, you can reapply after some time – preferably no sooner than after 30 days. - Review the documents displayed on the agreement conclusion screen. Then, enter the authorization code in the appropriate field and click [podpisz umowę] | (sign the agreement). Done! You will receive the countersigned agreement at the email address provided on your Allegro account.
The funds will be transferred to the bank account number provided in the Payout Settings tab. You will receive it as a one-time payment, no later than the next business day.
How to repay the Loan for greater needs
You repay the loan according to a set monthly repayment schedule. When submitting your application, you choose a repayment day between the 1st and the 28th day of each month.
The repayment method is a transfer to an individual account at PKO Bank Polski. You will find all the details needed to make the transfer in the Allegro Kapitał dashboard and in the agreement that the bank will send to you by email.
You can find information about repayments and your balance in the Allegro Kapitał dashboard.
If you make a transfer earlier than the installment due date, it will be credited and settled only on the date specified in the agreement as the installment repayment date. We will update the information in the dashboard the following day. At any time, you can request an early repayment of the loan principal, either partial or full. You simply need to inform the bank – submit an early repayment request via online banking or the mobile app. You can also place such an instruction at any bank branch.
The loan repayment is secured by an assignment of receivables – this means transferring the rights to your current and future receivables from Allegro sales to PKO Bank Polski, up to the amount of the debt. The bank is entitled to use the assignment if you do not make a repayment by the required deadline. The assignment applies to receivables from all your Allegro business accounts linked to the same NIP (Tax Identification Number).
Who provides the Loan for greater needs?
The loan is provided by Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna with its registered office in Warsaw, address: ul. Świętokrzyska 36, 00-116 Warsaw, entered into the Register of Entrepreneurs of the National Court Register by the District Court for the capital city of Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000026438, share capital (paid up): 1,250,000,000.00 PLN, NIP: 5250007738, REGON: 016298263.
Can I overpay or repay the loan ahead of schedule?
Yes, you can repay or overpay the loan early. To do so, place an instruction via online banking, the mobile app, or at a PKO Bank Polski branch.
Interest for the entire period is added to individual installments – if you repay early, the interest amount will decrease, but you will pay the bank a 2% commission for early repayment.
What happens if I am late with a repayment?
PKO Bank Polski will charge late payment interest on the unpaid amount. Late payment interest is calculated according to a variable interest rate equal to the current maximum late payment interest rate.
As early as the day following the repayment deadline, PKO Bank Polski has the right to collect the receivables from the accounts you hold with them.
The Bank may also obtain funds for repayment directly from your Allegro sales, based on the security in the form of an Assignment of Receivables established upon concluding the loan agreement.
If the repayment deadline passes and you do not settle the liability, PKO Bank Polski will be authorized to transfer your data to economic and credit information bureaus. Such an entry may make it difficult for you to take on other liabilities in the future.
What the Loan for emergency expenses is
The Loan for emergency expenses is a service through which you gain access to loans up to a total amount of 300,000 PLN. You can use it in two ways:
- by withdrawing money to your business bank account provided for Allegro sales payouts
- by automatically financing your obligations towards Allegro.
In a single application, you activate access to the loans and withdraw your selected loan amount.
Financing is provided by PragmaGO S.A., which determines its maximum value each time.
Activating the Loan for emergency expenses takes only a few minutes and can be completed entirely online. You will only need an ID document.
How Loan for emergency expenses with payout to a bank account works
Granting access to the loan costs you nothing. Fees appear only when you withdraw funds as part of individual loans. The price depends on the risk assessment carried out by PragmaGO, and you will always be informed of it before submitting the application.
How to activate the Loan for emergency expenses
- Go to the Allegro Kapitał dashboard.
- Select the appropriate amount and repayment period for the first loan.
- Click [złóż wniosek] | (submit application).
- Provide your PESEL and ID card number in the application. We will pre-fill the remaining data automatically based on your Allegro account information. Check if they are up-to-date. If not, you can change them in the Account Details tab.
- Mark the required consents and accept the Terms & Conditions.
- Click [wyślij] | (send). Done!
PragmaGO will verify your data and decide whether to grant you the loan. They will also confirm the possibility of withdrawing the funds.
If the decision is positive, you will receive an SMS with an authorization code at the phone number provided in the application. Review the documents displayed on the agreement conclusion screen. Once you have done so, enter the authorization code in the appropriate field and click [zatwierdź] | (confirm). The transfer of funds will be ordered to the bank account number provided in the Payout Settings tab.
In the event of a negative decision, you can reapply after some time – preferably no sooner than after 30 days.
You can order the first withdrawal immediately after concluding the agreement – the withdrawal amount is up to you. Subsequent loans within the granted access can be withdrawn with a single click.
How to repay the Loan for emergency expenses
You will repay the loan in installments according to the declared repayment period. In the agreement, you will find, among other things:
- a detailed repayment schedule
- the bank account number to which you will make the payments.
Each time, before an installment due date, PragmaGO will send you a reminder along with a quick payment link. You will receive it at the email address provided in the application.
What if you do not repay an installment on time
The repayment of the Loan for emergency expenses is secured by an assignment of receivables – this means that if you do not repay the loan within the specified deadline, PragmaGO will be able to request that funds from your Allegro sales be redirected to its account number. Once you repay the overdue installment, the sales funds will once again flow into your account.
Who provides the Loan for emergency expenses?
The loan is provided by PragmaGO S.A., a financial institution verified by us, with its registered office in Katowice at ul. Brynowska 72, 40-584, entered into the Register of Entrepreneurs kept by the District Court Katowice – Wschód in Katowice, 8th Commercial Division of the National Court Register under KRS number: 0000267847, REGON (National Business Registry Number): 277573126, NIP (Tax Identification Number): 634 24 27 710, share capital paid in full: 4,599,638.00 PLN.
Can I overpay or repay the loan ahead of schedule?
Yes, you can make an early repayment. If you decide on an early repayment, PragmaGO may reduce the operational commission – depending on how long the principal was used by you. For this to happen, submit an application to PragmaGO. You can find more details in this document (pdf, 44,9 KB, available in Polish).
To repay your obligation before the deadline, log in to the Customer Panel and use the early repayment option. You can also send an email to: bokonline@pragmago.pl. You will not incur any additional costs for submitting or processing the early repayment request.
Can I opt out of the granted loan?
Yes. You can opt out with a 30-day notice period. To do this:
- Repay all obligations towards PragmaGO. Your balance should be 0 PLN. Check the rules for early repayment.
- Send a service resignation statement to: allegro@pragmago.pl or via the Allegro Kapitał dashboard.
If the service is available on your account but you are not using it at a given time, you do not incur any costs. This way, the Loan for emergency expenses will be available to you whenever you need it.
How automatic settlement of Allegro sales fees under the Loan for emergency expenses works
With this option, you can use loan funds for Allegro fees and commissions – and at the same time, use your sales proceeds without any interruptions.
Throughout the billing month, we will pay your obligations towards Allegro using the granted loan. You will repay the accrued fees in the Allegro Kapitał dashboard from the 1st to the 3rd day of the following month, with no commission (for the first 3 months from the service activation date). You can also defer the repayment for subsequent months.
If you withdraw all available funds, we will begin deducting the commission from your sales proceeds.
How to activate automatic settlement of fees with Allegro Kapitał
- Go to the Allegro Kapitał dashboard.
- Click [aktywuj usługę] | (activate service).
- Provide your PESEL and ID card number in the application. We will pre-fill the remaining data automatically based on your Allegro account information. Check if they are up-to-date. If not, you can change them in the Account Details tab.
- Mark the required consents and accept the Terms & Conditions.
- Click [wyślij] | (send). Done!
PragmaGO will verify your data and decide whether to grant you a limit. If the decision is positive, you will receive an SMS with an authorization code at the phone number provided in the application.
Review the documents displayed on the agreement conclusion screen. Once you have done so, enter the authorization code in the appropriate field and click [zatwierdź] | (confirm).
Next, choose which Allegro accounts you want to use Allegro Kapitał on for the automatic financing of fees for our services. You can choose:
- only the account through which you are submitting the application, or
- all of your Allegro business accounts.
From this point on, we will begin deducting fees from the credit limit instead of from your current sales.
What the costs of automatic fee settlement with Allegro Kapitał are
The interest rate depends on the repayment date. You decide when you pay.
How and when to repay the credit
You can conveniently repay the liability in the Allegro Kapitał dashboard.
In the Upcoming Repayments section, you will see the amounts along with the payment deadlines for individual applications. You can then pay the amount using the quick payment options.
How to suspend automatic fee settlement with Allegro Kapitał
Simply suspend the charging in the Allegro Kapitał dashboard. We will then begin collecting your fees and commissions from your sales proceeds. You can return to financing fees from the funds accumulated in your Loan for emergency expenses credit limit at any time.
Additionally, you can suspend the use of automatic settlements with Allegro Kapitał in the Settlements with Allegro tab – simply change the source of funds in the Automatic Settlement section.
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