{"id":15864,"date":"2025-11-28T10:15:45","date_gmt":"2025-11-28T10:15:45","guid":{"rendered":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/?page_id=15864"},"modified":"2025-12-19T10:42:47","modified_gmt":"2025-12-19T10:42:47","slug":"faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac","status":"publish","type":"page","link":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/","title":{"rendered":"Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15864\" class=\"elementor elementor-15864\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2aabd8d pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"2aabd8d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42d6268 e-con-full e-flex e-con e-child\" data-id=\"42d6268\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6a386 elementor-widget__width-initial elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"5e6a386\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"highlight\">Faktoring bez BIK<\/span> \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61ddae7 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"61ddae7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-381f3ca elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"381f3ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"747\" height=\"572\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp\" class=\"attachment-large size-large wp-image-15923\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp 747w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca-600x459.webp 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca-300x230.webp 300w\" sizes=\"(max-width: 747px) 100vw, 747px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-074734b e-con-full e-flex e-con e-child\" data-id=\"074734b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5728497 elementor-widget elementor-widget-text-editor\" data-id=\"5728497\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Faktoring\u00a0<\/span>(po\u017cyczka\/kredyt dla firm) bez BIK to rozwi\u0105zanie finansowe, kt\u00f3re otwiera drzwi do szybkiego finansowania firmom, dla kt\u00f3rych tradycyjna droga przez banki jest zbyt skomplikowana lub zamkni\u0119ta z powodu niskiej zdolno\u015bci kredytowej. <b>Dzia\u0142a niezale\u017cnie od historii kredytowej przedsi\u0119biorcy, opieraj\u0105c decyzj\u0119 o finansowaniu na wiarygodno\u015bci kontrahent\u00f3w.<\/b> W obliczu zator\u00f3w p\u0142atniczych, d\u0142ugich termin\u00f3w zap\u0142aty i rosn\u0105cych wymaga\u0144 rynkowych, ten typ faktoringu okazuje si\u0119 szczeg\u00f3lnie atrakcyjny dla mikro i ma\u0142ych firm, startup\u00f3w czy firm w trudniejszej sytuacji finansowej. W artykule wyja\u015bniamy, jak dzia\u0142a faktoring bez BIK, kto mo\u017ce z niego skorzysta\u0107, jakie daje korzy\u015bci oraz jakie formy przyjmuje.<\/p><p>\u00a0<\/p><p><b>Z artyku\u0142u dowiesz si\u0119<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Czym jest faktoring bez BIK?<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jak dzia\u0142a faktoring bez BIK w praktyce?<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dla kogo faktoring bez BIK to dobre rozwi\u0105zanie?<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zalety faktoringu bez BIK<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rodzaje faktoringu bez BIK<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Jak wygl\u0105da proces uzyskania faktoringu bez BIK?<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dlaczego warto wybra\u0107 AOW Faktoring?<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e63a4f elementor-align-left button-blue shine-button elementor-laptop-align-center elementor-widget elementor-widget-global elementor-global-7384 elementor-widget-button\" data-id=\"7e63a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1af81b5 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"1af81b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f5215c5 e-con-full e-flex e-con e-child\" data-id=\"f5215c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-222e539 elementor-widget-laptop__width-inherit elementor-widget elementor-widget-heading\" data-id=\"222e539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba46f8d elementor-widget__width-initial elementor-widget-mobile__width-inherit deco-underline elementor-widget-laptop__width-inherit elementor-widget elementor-widget-heading\" data-id=\"ba46f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Czym jest <span class=\"highlight\">faktoring bez BIK?<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c0917 elementor-widget elementor-widget-text-editor\" data-id=\"25c0917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Faktoring\u00a0(po\u017cyczka\/kredyt dla firm)\u00a0bez BIK<\/b> to us\u0142uga finansowa, kt\u00f3ra umo\u017cliwia przedsi\u0119biorcy otrzymanie \u015brodk\u00f3w za wystawione faktury <b>bez konieczno\u015bci weryfikacji jego historii kredytowej w Biurze Informacji Kredytowej.<\/b> To rozwi\u0105zanie szczeg\u00f3lnie atrakcyjne dla firm, kt\u00f3re z r\u00f3\u017cnych powod\u00f3w nie maj\u0105 dost\u0119pu do kredytu bankowego \u2013 np. z powodu kr\u00f3tkiego sta\u017cu, zad\u0142u\u017cenia lub negatywnej historii kredytowej.<\/p><p><span style=\"font-weight: 400;\">W odr\u00f3\u017cnieniu od finansowania bankowego, <\/span><b>faktor w faktoringu bez BIK skupia si\u0119 na wiarygodno\u015bci kontrahenta<\/b><span style=\"font-weight: 400;\">, a nie samego przedsi\u0119biorcy. Oznacza to, \u017ce nawet firma bez zdolno\u015bci kredytowej, ale z solidnymi odbiorcami, mo\u017ce szybko uzyska\u0107 finansowanie i zachowa\u0107 p\u0142ynno\u015b\u0107 finansow\u0105.<\/span><\/p><p><span style=\"font-weight: 400;\">To idealna alternatywa dla kredyt\u00f3w, pozwalaj\u0105ca na <\/span><b>szybki dost\u0119p do got\u00f3wki<\/b><span style=\"font-weight: 400;\"> bez konieczno\u015bci spe\u0142niania rygorystycznych wymaga\u0144 bankowych.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9127926 elementor-align-center button-blue shine-button elementor-widget elementor-widget-global elementor-global-13225 elementor-widget-button\" data-id=\"9127926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e72ec9 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"9e72ec9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82d3184 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"82d3184\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eddc64 elementor-widget__width-inherit elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"3eddc64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"highlight\">Jak dzia\u0142a faktoring bez BIK<\/span> w praktyce?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b631621 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"b631621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"747\" height=\"572\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik.webp\" class=\"attachment-large size-large wp-image-15924\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik.webp 747w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-600x459.webp 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-300x230.webp 300w\" sizes=\"(max-width: 747px) 100vw, 747px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfa5106 e-con-full e-flex e-con e-child\" data-id=\"bfa5106\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9be6212 elementor-widget elementor-widget-text-editor\" data-id=\"9be6212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dzia\u0142anie faktoringu bez BIK jest niezwykle proste i przejrzyste. Przedsi\u0119biorca, kt\u00f3ry wystawi\u0142 faktur\u0119 z odroczonym terminem p\u0142atno\u015bci, przekazuje j\u0105 do<\/span><a href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/\"> <span style=\"font-weight: 400;\">firmy faktoringowej<\/span><\/a><span style=\"font-weight: 400;\">. Ta \u2013 po kr\u00f3tkiej analizie kontrahenta \u2013 wyp\u0142aca nawet do 100% warto\u015bci brutto faktury w ci\u0105gu 24 godzin.<\/span><\/p>\n<p><b>Weryfikacja w BIK nie jest wymagana<\/b><span style=\"font-weight: 400;\">, poniewa\u017c decyzja opiera si\u0119 na ocenie wyp\u0142acalno\u015bci odbiorcy faktury. Dzi\u0119ki temu przedsi\u0119biorca nie musi obawia\u0107 si\u0119 odmowy z powodu w\u0142asnej historii kredytowej.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Firma wystawia faktur\u0119 z terminem p\u0142atno\u015bci \u2013 np. 30 dni.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Faktura trafia do faktora, kt\u00f3ry weryfikuje kontrahenta.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Po akceptacji wyp\u0142acana jest zaliczka \u2013 zazwyczaj 80\u2013100% warto\u015bci.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kontrahent reguluje p\u0142atno\u015b\u0107 bezpo\u015brednio do faktora.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Po rozliczeniu wyp\u0142acana jest pozosta\u0142a kwota<\/b><span style=\"font-weight: 400;\"> \u2013 pomniejszona o prowizj\u0119.<\/span><\/li><\/ul>\n<p><span style=\"font-weight: 400;\">Taki mechanizm pozwala unikn\u0105\u0107 zator\u00f3w p\u0142atniczych i zapewnia firmie sta\u0142y dop\u0142yw got\u00f3wki, niezale\u017cnie od kondycji finansowej samego przedsi\u0119biorcy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59137e4 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"59137e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-555d954 e-con-full e-flex e-con e-child\" data-id=\"555d954\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94fa213 elementor-widget elementor-widget-heading\" data-id=\"94fa213\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5076ef2 elementor-widget__width-initial elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"5076ef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"highlight\">Dla kogo faktoring bez BIK<\/span>  to dobre rozwi\u0105zanie?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3bcd62 elementor-widget elementor-widget-text-editor\" data-id=\"d3bcd62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Faktoring\u00a0(po\u017cyczka\/kredyt dla firm)\u00a0bez BIK to doskona\u0142e narz\u0119dzie finansowe dla przedsi\u0119biorc\u00f3w, kt\u00f3rzy nie maj\u0105 \u0142atwego dost\u0119pu do kredyt\u00f3w bankowych<\/b> lub chc\u0105 unikn\u0105\u0107 czasoch\u0142onnych procedur. Z tej formy finansowania najcz\u0119\u015bciej korzystaj\u0105:<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mikroprzedsi\u0119biorcy i w\u0142a\u015bciciele jednoosobowych dzia\u0142alno\u015bci gospodarczych,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">firmy z kr\u00f3tk\u0105 histori\u0105 rynkow\u0105 lub po przekszta\u0142ceniach,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">przedsi\u0119biorstwa z zaleg\u0142o\u015bciami kredytowymi lub negatywn\u0105 histori\u0105 w BIK,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">startup\u2019y poszukuj\u0105ce elastycznego \u017ar\u00f3d\u0142a finansowania,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">bran\u017ce z d\u0142ugimi terminami p\u0142atno\u015bci \u2013 np. transport, budownictwo, handel.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Dzi\u0119ki temu, \u017ce decyzja o finansowaniu opiera si\u0119 na <\/span><b>wiarygodno\u015bci kontrahent\u00f3w<\/b><span style=\"font-weight: 400;\">, a nie sytuacji finansowej samej firmy, nawet przedsi\u0119biorstwa w trudniejszej sytuacji mog\u0105 korzysta\u0107 z faktoringu i zyska\u0107 stabilno\u015b\u0107 operacyjn\u0105. Szczeg\u00f3lnie atrakcyjny mo\u017ce by\u0107<\/span><a href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-dla-mikrofirm\/\"> <span style=\"font-weight: 400;\">faktoring dla mikrofirm<\/span><\/a><span style=\"font-weight: 400;\">, kt\u00f3ry nie wymaga skomplikowanych analiz ani za\u015bwiadcze\u0144 z bank\u00f3w.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6952541 elementor-align-center button-blue shine-button elementor-widget elementor-widget-global elementor-global-13225 elementor-widget-button\" data-id=\"6952541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d649462 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"d649462\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87b713d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"87b713d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46e47c2 elementor-widget__width-inherit elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"46e47c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Zalety  <span class=\"highlight\">faktoringu bez BIK<\/span>\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5a1ff elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"3b5a1ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"747\" height=\"466\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/10\/Frame-3322.webp\" class=\"attachment-large size-large wp-image-13309\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/10\/Frame-3322.webp 747w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/10\/Frame-3322-600x374.webp 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/10\/Frame-3322-300x187.webp 300w\" sizes=\"(max-width: 747px) 100vw, 747px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5cecdb e-con-full e-flex e-con e-child\" data-id=\"a5cecdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29b78d6 elementor-widget elementor-widget-text-editor\" data-id=\"29b78d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Faktoring (po\u017cyczka\/kredyt dla firm) bez BIK to nie tylko spos\u00f3b na szybki dost\u0119p do got\u00f3wki \u2013 to r\u00f3wnie\u017c szereg innych korzy\u015bci, kt\u00f3re czyni\u0105 go wyj\u0105tkowo atrakcyjnym rozwi\u0105zaniem dla wielu firm.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Brak weryfikacji w BIK<\/b><span style=\"font-weight: 400;\"> \u2013 historia kredytowa przedsi\u0119biorcy nie ma wp\u0142ywu na decyzj\u0119 o finansowaniu.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Szybka wyp\u0142ata \u015brodk\u00f3w<\/b><span style=\"font-weight: 400;\"> \u2013 pieni\u0105dze z faktur trafiaj\u0105 na konto firmy zazwyczaj w ci\u0105gu 24\u201348 godzin.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poprawa p\u0142ynno\u015bci finansowej<\/b><span style=\"font-weight: 400;\"> \u2013 firma nie musi czeka\u0107 na przelew od kontrahenta, mo\u017ce dzia\u0142a\u0107 i inwestowa\u0107.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Proste procedury<\/b><span style=\"font-weight: 400;\"> \u2013 minimalna liczba dokument\u00f3w i szybki proces weryfikacji.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bez wp\u0142ywu na zdolno\u015b\u0107 kredytow\u0105<\/b><span style=\"font-weight: 400;\"> \u2013 faktoring nie obci\u0105\u017ca bilansu, jak klasyczny kredyt.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Co wi\u0119cej, faktoring mo\u017ce by\u0107 wykorzystany r\u00f3wnie\u017c jako narz\u0119dzie do budowania przewagi konkurencyjnej. Firma, kt\u00f3ra korzysta z faktoringu, mo\u017ce oferowa\u0107 kontrahentom d\u0142u\u017csze terminy p\u0142atno\u015bci bez ryzyka utraty p\u0142ynno\u015bci. W przypadku wsp\u00f3\u0142pracy z AOW dost\u0119pny jest r\u00f3wnie\u017c<\/span><a href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-z-regresem\/\"> <span style=\"font-weight: 400;\">faktoring z regresem<\/span><\/a><span style=\"font-weight: 400;\">, kt\u00f3ry pozwala zachowa\u0107 kontrol\u0119 nad ryzykiem niewyp\u0142acalno\u015bci kontrahenta.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa6834c pad-tb-m e-flex e-con-boxed e-con e-child\" data-id=\"aa6834c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54ed2fb elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"54ed2fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW FAKTORING<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4545937 elementor-widget__width-inherit elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"4545937\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Rodzaje <span class=\"highlight\">faktoringu bez BIK<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe0047d elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fe0047d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Faktoring bez BIK<\/b><span style=\"font-weight: 400;\"> wyst\u0119puje w kilku wariantach, kt\u00f3re mo\u017cna dopasowa\u0107 do charakteru dzia\u0142alno\u015bci, oczekiwa\u0144 oraz poziomu ryzyka, jakie firma chce ponosi\u0107. R\u00f3\u017cnice dotycz\u0105 przede wszystkim tego, czy kontrahent jest informowany o cesji wierzytelno\u015bci oraz kto ponosi odpowiedzialno\u015b\u0107 za brak p\u0142atno\u015bci.<\/span><\/p><p><span style=\"font-weight: 400;\">Najpopularniejsze rodzaje to:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac64482 e-con-full e-flex e-con e-child\" data-id=\"ac64482\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c730672 elementor-mobile-position-inline-start elementor-view-default elementor-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c730672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"64\" viewBox=\"0 0 64 64\" fill=\"none\"><g clip-path=\"url(#clip0_171_990)\"><path d=\"M57.9587 38.4494V41.6013C57.9587 42.1586 57.5071 42.6102 56.9499 42.6102H53.7979C53.2406 42.6102 52.7891 42.1586 52.7891 41.6013V38.4494C52.7891 37.8921 53.2406 37.4406 53.7979 37.4406H56.9499C57.5071 37.4406 57.9587 37.8921 57.9587 38.4494Z\" fill=\"#FFC426\"><\/path><path d=\"M57.9587 47.182V56.9713C57.9587 57.9223 57.1885 58.6924 56.2388 58.6924H54.509C53.5591 58.6924 52.7891 57.9222 52.7891 56.9713V47.182C52.7891 46.3541 53.4607 45.6835 54.2876 45.6835H56.4603C57.2882 45.6836 57.9587 46.3541 57.9587 47.182Z\" fill=\"#FFC426\"><\/path><path d=\"M57.9587 38.4494V39.3868C57.9587 39.9441 57.5071 40.3956 56.9499 40.3956H53.7979C53.2406 40.3956 52.7891 39.9441 52.7891 39.3868V38.4494C52.7891 37.8921 53.2406 37.4406 53.7979 37.4406H56.9499C57.5071 37.4406 57.9587 37.8921 57.9587 38.4494Z\" fill=\"#FFC426\"><\/path><path d=\"M57.9587 47.182V54.7568C57.9587 55.7078 57.1885 56.4779 56.2388 56.4779H54.509C53.5591 56.4779 52.7891 55.7077 52.7891 54.7568V47.182C52.7891 46.3541 53.4607 45.6835 54.2876 45.6835H56.4603C57.2882 45.6836 57.9587 46.3541 57.9587 47.182Z\" fill=\"#FFC426\"><\/path><path d=\"M28.3254 59.7296C28.3254 60.373 28.0621 60.9562 27.639 61.3806C27.2145 61.8039 26.6314 62.0671 25.9879 62.0671H11.6676C10.382 62.0671 9.33008 61.0152 9.33008 59.7296C9.33008 59.0862 9.59342 58.503 10.0166 58.0786C10.4411 57.6554 11.0242 57.3921 11.6676 57.3921H25.9879C27.2736 57.3921 28.3254 58.444 28.3254 59.7296Z\" fill=\"#FFC426\"><\/path><path d=\"M28.3254 55.0545C28.3254 55.698 28.0621 56.2812 27.639 56.7055C27.2145 57.1287 26.6314 57.392 25.9879 57.392H11.6676C10.382 57.392 9.33008 56.3401 9.33008 55.0545C9.33008 54.4111 9.59342 53.8279 10.0166 53.4035C10.4411 52.9803 11.0242 52.717 11.6676 52.717H25.9879C27.2736 52.717 28.3254 53.7689 28.3254 55.0545Z\" fill=\"#FFC426\"><\/path><path d=\"M28.3254 50.3794C28.3254 51.0228 28.0621 51.606 27.639 52.0304C27.2145 52.4536 26.6314 52.7169 25.9879 52.7169H11.6676C10.382 52.7169 9.33008 51.665 9.33008 50.3794C9.33008 49.7359 9.59342 49.1527 10.0166 48.7284C10.4411 48.3052 11.0242 48.0419 11.6676 48.0419H25.9879C27.2736 48.0419 28.3254 49.0938 28.3254 50.3794Z\" fill=\"#FFC426\"><\/path><path d=\"M28.3254 45.7044C28.3254 46.3479 28.0621 46.9311 27.639 47.3554C27.2145 47.7786 26.6314 48.0419 25.9879 48.0419H11.6676C10.382 48.0419 9.33008 46.99 9.33008 45.7044C9.33008 45.2468 9.46419 44.8186 9.69425 44.4569C9.78651 44.3105 9.89481 44.1752 10.0166 44.0533C10.4411 43.63 11.0242 43.3668 11.6676 43.3668H25.9879C27.2736 43.3669 28.3254 44.4188 28.3254 45.7044Z\" fill=\"#FFC426\"><\/path><path d=\"M25.9875 43.367H11.6676C10.382 43.367 9.33008 42.3151 9.33008 41.0295C9.33008 39.7439 10.382 38.692 11.6676 38.692H25.9875C27.2731 38.692 28.325 39.7439 28.325 41.0295C28.325 42.3151 27.2731 43.367 25.9875 43.367Z\" fill=\"#FFC426\"><\/path><path d=\"M20.102 54.3994C19.9531 50.9103 17.479 48.0696 14.2374 47.3093C13.5778 47.1548 12.8865 47.086 12.1757 47.116V47.1158H9.19539C2.43829 47.4087 -0.711252 55.8249 4.46313 60.4169C5.88873 61.6843 7.79059 62.4217 9.84676 62.3335H12.1754V62.3309C12.388 62.3395 12.6023 62.3415 12.8186 62.3324C13.3045 62.3114 13.777 62.245 14.2335 62.1393C17.538 61.3679 19.9825 58.4583 20.1031 55V54.9914C20.1107 54.7955 20.1107 54.5986 20.102 54.3994Z\" fill=\"#FFC426\"><\/path><path d=\"M20.1029 54.9912V54.9997C19.9823 58.458 17.5378 61.3677 14.2332 62.139C10.9938 61.3775 8.51977 58.538 8.37097 55.0502C8.36974 55.0329 8.36852 55.017 8.36852 54.9997V54.9912C8.2393 51.3004 10.7614 48.1214 14.237 47.3093C17.4788 48.0696 19.9528 50.9103 20.1016 54.3994C20.1103 54.5986 20.1103 54.7955 20.1029 54.9912Z\" fill=\"#FFC426\"><\/path><path d=\"M55.7482 21.3795H51.2318V12.4919C51.2318 10.97 50.6266 9.55152 49.6361 8.51445L46.718 5.46085C44.2415 2.9092 43.9289 2.18833 42.4539 1.47234C41.7686 1.13032 40.8657 0.900269 39.9552 0.900269H18.6395C15.4642 0.900269 12.8818 3.48385 12.8818 6.65798V37.7077H11.6675C9.83566 37.7077 8.34581 39.1975 8.34581 41.0294C8.34581 41.9411 8.71488 42.7666 9.31033 43.3669C8.71488 43.9672 8.34581 44.7927 8.34581 45.7044C8.34581 46.0464 8.39378 46.2494 8.41104 46.3614C1.20276 47.0946 -1.66876 56.0166 3.6067 60.859C5.19995 62.3218 7.31473 63.1509 9.60793 63.0574C10.3658 63.0574 25.9681 63.0513 25.9878 63.0513C27.8184 63.0513 29.3095 61.5615 29.3095 59.7296C29.3095 58.818 28.9404 57.9925 28.345 57.3921C28.9047 56.8274 29.264 56.0659 29.3046 55.2195H30.5509V55.885C30.5509 60.1135 33.9907 63.5533 38.2192 63.5533H55.7482C59.9767 63.5533 63.4165 60.1135 63.4165 55.885V29.0477C63.4166 24.8193 59.9767 21.3795 55.7482 21.3795ZM43.0124 4.38069C46.8779 8.46648 47.7489 9.38792 47.9125 9.56144C47.9125 9.56144 47.9138 9.56144 47.915 9.56388C47.9162 9.56388 47.9162 9.56388 47.9162 9.56388C47.9174 9.56633 47.9199 9.56878 47.9211 9.57L47.9223 9.57123C47.9248 9.5749 47.9272 9.57734 47.9297 9.57857C47.9309 9.57979 47.9321 9.58102 47.9333 9.58346C47.9346 9.58469 47.9358 9.58469 47.9358 9.58591C47.937 9.58713 47.9382 9.58713 47.9395 9.58958C47.9419 9.59081 47.9431 9.59325 47.9444 9.59448H43.0121L43.0124 4.38069ZM11.6675 39.6761H25.9879C26.7335 39.6761 27.3412 40.2839 27.3412 41.0294C27.3412 41.7762 26.7334 42.3827 25.9879 42.3827H11.6675C10.9219 42.3827 10.3142 41.7761 10.3142 41.0294C10.3141 40.2838 10.9219 39.6761 11.6675 39.6761ZM11.6675 44.3511H25.9879C26.7335 44.3511 27.3412 44.9589 27.3412 45.7044C27.3412 46.4512 26.7334 47.0577 25.9879 47.0577H16.0964C15.6941 46.8731 15.277 46.723 14.8501 46.6074C14.2128 46.4338 13.5534 46.3355 12.8817 46.3182C12.6886 46.3133 12.4954 46.3145 12.3023 46.3231H10.4655C10.3683 46.1373 10.3141 45.927 10.3141 45.7043C10.3141 44.9589 10.9219 44.3511 11.6675 44.3511ZM27.3412 50.3795C27.3412 51.1263 26.7334 51.7328 25.9879 51.7328H20.4799C20.106 50.7374 19.5425 49.8209 18.8092 49.0262H25.9879C26.7334 49.0262 27.3412 49.6339 27.3412 50.3795ZM6.87922 48.6129C6.2801 49.1813 5.7473 49.8566 5.32905 50.601H4.18245C4.93171 49.6721 5.86307 49.0114 6.87922 48.6129ZM3.13546 52.4463H4.56877C4.53683 52.5841 4.37432 53.1143 4.30053 53.9215H2.78609C2.8452 53.4146 2.96206 52.92 3.13546 52.4463ZM3.29417 57.3245C3.07635 56.8298 2.92021 56.3071 2.83161 55.7669H4.33504C4.6045 57.295 4.61918 57.0316 4.68685 57.3245H3.29417ZM4.52202 59.1698C5.12604 59.1686 5.47675 59.1722 5.5591 59.1673C5.92694 59.748 6.3698 60.2857 6.88289 60.7691C5.99094 60.4186 5.1975 59.8834 4.52202 59.1698ZM12.9199 61.2133C9.31889 61.3684 6.27019 58.5793 6.11772 54.9697C5.87041 49.2231 12.7341 45.9136 17.0561 49.8812C21.3166 53.7923 18.7231 60.9746 12.9199 61.2133ZM25.9879 61.0829H18.0441C18.9237 60.3385 19.6459 59.4171 20.1588 58.3763H25.9879C26.7335 58.3763 27.3412 58.9841 27.3412 59.7296C27.3412 60.4763 26.7334 61.0829 25.9879 61.0829ZM27.3302 55.2195C27.2489 55.8887 26.6781 56.4079 25.9879 56.4079H20.838C21.0164 55.5541 21.0668 54.6338 20.9573 53.7013H25.9879C26.8171 53.7012 27.4359 54.4431 27.3302 55.2195ZM30.5509 53.2509H28.7744C28.6502 53.0578 28.5061 52.8794 28.345 52.717C29.6306 51.4203 29.6318 49.3386 28.345 48.042C28.9404 47.4417 29.3095 46.6162 29.3095 45.7045C29.3095 44.7929 28.9404 43.9674 28.345 43.367C30.4142 41.2805 28.9355 37.7078 25.9878 37.7078H14.8501V6.65798C14.8501 4.56902 16.5503 2.8687 18.6394 2.8687H41.044V10.5788C41.044 11.1226 41.4844 11.563 42.0282 11.563H49.1465C49.352 12.3603 49.2252 12.0969 49.2634 21.3794H38.2192C33.9907 21.3794 30.5509 24.8192 30.5509 29.0476V53.2509ZM61.5711 55.885C61.5711 59.096 58.9593 61.708 55.7482 61.708H38.2193C35.0096 61.708 32.3964 59.0961 32.3964 55.885V29.0477C32.3964 25.8368 35.0094 23.2248 38.2193 23.2248H55.7483C58.9593 23.2248 61.5713 25.8367 61.5713 29.0477V55.885H61.5711Z\" fill=\"#285DAE\"><\/path><path d=\"M41.6323 33.0449H38.2848C37.596 33.0449 37.0323 32.4812 37.0323 31.7924V28.4153C37.0323 27.7265 37.596 27.1628 38.2848 27.1628H55.6834C56.3747 27.1628 56.9358 27.7251 56.9358 28.4153V31.7924C56.9358 32.4826 56.3747 33.0449 55.6834 33.0449H45.6112C45.1016 33.0449 44.6885 33.458 44.6885 33.9675C44.6885 34.4771 45.1016 34.8902 45.6112 34.8902H55.6834C57.3922 34.8902 58.7811 33.5 58.7811 31.7924V28.4153C58.7811 26.7076 57.3921 25.3175 55.6834 25.3175H38.2848C36.5739 25.3175 35.187 26.7044 35.187 28.4153V31.7924C35.187 33.5033 36.5739 34.8902 38.2848 34.8902H41.6323C42.1419 34.8902 42.555 34.4771 42.555 33.9675C42.555 33.458 42.1419 33.0449 41.6323 33.0449Z\" fill=\"#285DAE\"><\/path><path d=\"M37.1185 51.7758H40.2717C41.3372 51.7758 42.2032 50.9097 42.2032 49.8443V46.6923C42.2032 45.6269 41.337 44.7609 40.2717 44.7609H37.1185C36.0542 44.7609 35.187 45.627 35.187 46.6923V49.8443C35.1869 50.9097 36.0542 51.7758 37.1185 51.7758ZM37.0323 46.6923C37.0323 46.6444 37.0717 46.6062 37.1185 46.6062H40.2717C40.3184 46.6062 40.3578 46.6444 40.3578 46.6923V49.8443C40.3578 49.8923 40.3184 49.9305 40.2717 49.9305H37.1185C37.0717 49.9305 37.0323 49.8923 37.0323 49.8443V46.6923Z\" fill=\"#285DAE\"><\/path><path d=\"M56.9497 36.5181H53.7977C52.7322 36.5181 51.8662 37.3842 51.8662 38.4495V41.6015C51.8662 42.667 52.7323 43.533 53.7977 43.533H56.9497C58.0151 43.533 58.8811 42.6669 58.8811 41.6015V38.4495C58.8811 37.3842 58.015 36.5181 56.9497 36.5181ZM57.0358 41.6015C57.0358 41.6495 56.9976 41.6877 56.9497 41.6877H53.7977C53.7509 41.6877 53.7115 41.6495 53.7115 41.6015C53.7497 38.4828 53.6315 38.3634 53.7977 38.3634H56.9497C56.9976 38.3634 57.0358 38.4016 57.0358 38.4495V41.6015Z\" fill=\"#285DAE\"><\/path><path d=\"M37.1185 43.533H40.2717C41.3372 43.533 42.2032 42.6669 42.2032 41.6015V38.4495C42.2032 37.3841 41.337 36.5181 40.2717 36.5181H37.1185C36.0542 36.5181 35.187 37.3842 35.187 38.4495V41.6015C35.1869 42.667 36.0542 43.533 37.1185 43.533ZM37.0323 38.4495C37.0323 38.4016 37.0717 38.3634 37.1185 38.3634H40.2717C40.3184 38.3634 40.3578 38.4016 40.3578 38.4495V41.6015C40.3578 41.6495 40.3184 41.6877 40.2717 41.6877H37.1185C37.0717 41.6877 37.0323 41.6495 37.0323 41.6015V38.4495Z\" fill=\"#285DAE\"><\/path><path d=\"M41.7176 53.2509C41.3632 52.8523 40.8466 52.6001 40.2721 52.6001H37.1188C36.5443 52.6001 36.0276 52.8523 35.6745 53.2509C35.0041 54.0026 35.2317 54.822 35.1874 55.2193V57.6836C35.1874 58.749 36.0547 59.615 37.1188 59.615H40.2721C41.3375 59.615 42.2035 58.7489 42.2035 57.6836V55.2193C42.1592 54.8306 42.3844 54.0026 41.7176 53.2509ZM40.2721 57.7697C37.157 57.7315 37.0327 57.8496 37.0327 57.6836C37.0327 54.3458 36.9957 54.4454 37.1188 54.4454H40.2721C40.4234 54.4454 40.3299 54.6558 40.3582 55.2193C40.3582 55.2193 40.4381 57.7697 40.2721 57.7697Z\" fill=\"#285DAE\"><\/path><path d=\"M56.4591 44.7607H54.2864C52.9516 44.7607 51.8652 45.8471 51.8652 47.1819V56.9712C51.8652 58.4291 53.0512 59.6151 54.5079 59.6151H56.2377C57.6956 59.6151 58.8804 58.4291 58.8804 56.9712V47.1819C58.8803 45.8471 57.7952 44.7607 56.4591 44.7607ZM57.035 56.9712C57.035 57.4116 56.6781 57.7697 56.2377 57.7697H54.5079C54.0687 57.7697 53.7107 57.4116 53.7107 56.9712V47.1819C53.7107 46.8645 53.969 46.6062 54.2864 46.6062H56.4591C56.7765 46.6062 57.0348 46.8645 57.0348 47.1819L57.035 56.9712Z\" fill=\"#285DAE\"><\/path><path d=\"M24.6502 27.7025C23.5251 27.2891 22.7123 26.9905 22.7123 25.9482C22.7123 24.9982 23.3433 24.5166 24.5874 24.5166C25.9081 24.5166 26.2637 25.098 26.729 25.098C27.2353 25.098 27.5154 24.5605 27.5154 24.189C27.5154 23.4203 26.2615 23.0391 25.1406 22.9385V22.2454C25.1406 21.7633 24.7484 21.3711 24.2663 21.3711C23.7842 21.3711 23.392 21.7633 23.392 22.2454V23.049C21.8593 23.4129 21.0172 24.4716 21.0172 26.0401C21.0172 28.1877 22.5982 28.7818 23.8688 29.2594C25.1128 29.7268 26.0956 30.0961 26.0956 31.5165C26.0956 32.6896 25.4442 33.2845 24.1592 33.2845C22.2787 33.2845 22.261 32.0148 21.5437 32.0148C21.0995 32.0148 20.7417 32.5121 20.7417 32.9237C20.7417 33.6508 21.8245 34.6065 23.392 34.8546V35.5243C23.392 36.0064 23.7842 36.3986 24.2663 36.3986C24.7484 36.3986 25.1406 36.0064 25.1406 35.5243V34.8366C26.8266 34.5193 27.7909 33.2813 27.7909 31.4246C27.7908 28.8564 26.0495 28.2167 24.6502 27.7025Z\" fill=\"#285DAE\"><\/path><path d=\"M48.5614 52.6001H45.4081C44.8336 52.6001 44.3169 52.8523 43.9626 53.2509C43.2946 54.0038 43.521 54.822 43.4767 55.2193V57.6836C43.4767 58.749 44.3428 59.615 45.4081 59.615H48.5614C49.6256 59.615 50.4916 58.7489 50.4916 57.6836V54.5304C50.4916 53.9853 50.264 53.492 49.8998 53.1413C49.5529 52.8068 49.0806 52.6001 48.5614 52.6001ZM48.5614 57.7697C45.4463 57.7315 45.322 57.8496 45.322 57.6836V54.5304C45.322 54.4836 45.3614 54.4454 45.4081 54.4454H48.5614C48.6081 54.4454 48.6463 54.4836 48.6463 54.5304C48.6093 57.6528 48.725 57.7697 48.5614 57.7697Z\" fill=\"#285DAE\"><\/path><path d=\"M48.5612 36.5181H45.408C44.3426 36.5181 43.4766 37.3842 43.4766 38.4495V41.6015C43.4766 42.667 44.3427 43.533 45.408 43.533H48.5612C48.8098 43.533 49.046 43.4863 49.2638 43.4001C49.9822 43.1184 50.4916 42.4183 50.4916 41.6014V38.4494C50.4915 37.3804 49.6205 36.5181 48.5612 36.5181ZM48.6462 41.6015C48.6462 41.6495 48.608 41.6877 48.5612 41.6877H45.408C45.3613 41.6877 45.3219 41.6495 45.3219 41.6015V38.4495C45.3219 38.2835 45.4363 38.4004 48.5612 38.3634C48.608 38.3634 48.6462 38.4016 48.6462 38.4495V41.6015Z\" fill=\"#285DAE\"><\/path><path d=\"M49.2638 44.8936C49.046 44.8075 48.8098 44.7607 48.5612 44.7607H45.408C44.3426 44.7607 43.4766 45.6269 43.4766 46.6922V49.8442C43.4766 50.9097 44.3427 51.7757 45.408 51.7757H48.5612C49.6255 51.7757 50.4915 50.9095 50.4915 49.8442V46.6922C50.4915 45.8754 49.9822 45.1753 49.2638 44.8936ZM48.6462 49.8442C48.6462 49.8922 48.608 49.9304 48.5612 49.9304H45.408C45.3613 49.9304 45.3219 49.8922 45.3219 49.8442V46.6922C45.3219 46.6442 45.3613 46.6061 45.408 46.6061H48.5612C48.608 46.6061 48.6462 46.6442 48.6462 46.6922V49.8442Z\" fill=\"#285DAE\"><\/path><path d=\"M40.9178 15.3547H43.2356C43.7449 15.3547 44.1582 14.9426 44.1582 14.4321C44.1582 13.9228 43.7449 13.5094 43.2356 13.5094H40.9178C40.4085 13.5094 39.9951 13.9228 39.9951 14.4321C39.995 14.9426 40.4084 15.3547 40.9178 15.3547Z\" fill=\"#285DAE\"><\/path><path d=\"M20.8641 15.3547H37.2268C37.7361 15.3547 38.1495 14.9426 38.1495 14.4321C38.1495 13.9228 37.7361 13.5094 37.2268 13.5094H20.8641C20.3548 13.5094 19.9414 13.9228 19.9414 14.4321C19.9413 14.9426 20.3548 15.3547 20.8641 15.3547Z\" fill=\"#285DAE\"><\/path><path d=\"M23.797 19.935C24.3063 19.935 24.7197 19.5217 24.7197 19.0124C24.7197 18.5031 24.3063 18.0897 23.797 18.0897H20.8641C20.3548 18.0897 19.9414 18.5031 19.9414 19.0124C19.9414 19.5217 20.3548 19.935 20.8641 19.935H23.797Z\" fill=\"#285DAE\"><\/path><path d=\"M44.158 19.0124C44.158 18.5031 43.7446 18.0897 43.2353 18.0897H27.4876C26.9783 18.0897 26.5649 18.5031 26.5649 19.0124C26.5649 19.5217 26.9783 19.935 27.4876 19.935H43.2352C43.7445 19.935 44.158 19.5217 44.158 19.0124Z\" fill=\"#285DAE\"><\/path><path d=\"M12.3019 52.8036C12.3019 52.5717 12.3873 52.5052 12.4672 52.4609C12.7151 52.3237 13.2839 52.2833 13.8048 52.5513C13.9432 52.6224 14.1001 52.703 14.3042 52.703C15.2143 52.703 15.9341 51.012 13.7602 50.6382V50.58C13.7602 50.0645 13.3407 49.645 12.8251 49.645C12.3096 49.645 11.8901 50.0645 11.8901 50.58V50.7575C10.9792 51.0879 10.4639 51.8391 10.4639 52.8588C10.4639 54.4325 11.6072 54.8621 12.4422 55.1757C13.2385 55.4749 13.5138 55.6059 13.5138 56.1475C13.5138 56.4861 13.4227 56.7995 12.7608 56.7995C11.7963 56.7995 11.9118 56.0371 11.1899 56.0371C10.6798 56.0371 10.2983 56.5416 10.2983 56.9928C10.2983 57.6321 10.963 58.2388 11.8901 58.4847V58.5547C11.8901 59.0703 12.3096 59.4897 12.8251 59.4897C13.3407 59.4897 13.7602 59.0704 13.7602 58.5547V58.4602C14.7633 58.1378 15.3518 57.274 15.3518 56.0924C15.3521 53.2886 12.3019 53.7095 12.3019 52.8036Z\" fill=\"#285DAE\"><\/path><\/g><defs><clipPath id=\"clip0_171_990\"><rect width=\"62.653\" height=\"62.653\" fill=\"white\" transform=\"translate(0.831055 0.900269)\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFaktoring pe\u0142ny\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTo faktor przejmuje ryzyko niewyp\u0142acalno\u015bci kontrahenta.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df92b16 e-con-full e-flex e-con e-child\" data-id=\"df92b16\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b36aaf5 elementor-mobile-position-inline-start elementor-view-default elementor-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b36aaf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><path d=\"M28.2466 37.8052H9.07178V39.9463L12.0695 42.5632L30.2927 42.1825L28.2466 37.8052Z\" fill=\"#FFC426\"><\/path><path d=\"M39.6983 12.3881H46.2236V11.2512C46.2236 8.90324 44.3202 7 41.9724 7C39.6244 7 37.7211 8.90344 37.7211 11.2512V37.2534C37.7211 40.0928 35.4194 42.3945 32.5801 42.3945C30.4232 42.3945 28.6748 40.6461 28.6748 38.4893V37.7477H9C9 40.3141 11.0804 42.3945 13.6468 42.3945H32.1845\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M14.2397 21.012V11.5732C14.2397 9.04652 16.2882 7 18.8129 7H41.9733\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M14.2397 37.7481V27.3896\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M18.9116 14.687H32.8024\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M18.9116 17.752H32.8024\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M18.9116 20.8413H32.8024\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M28.1064 33.208H32.8024\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M25.1157 33.208H26.6972\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><circle cx=\"10.5\" cy=\"24.7817\" r=\"8.5\" fill=\"#FFC426\"><\/circle><path d=\"M10.5 15.1821C15.8022 15.1821 20.0996 19.4795 20.0996 24.7817C20.0996 30.0833 15.8022 34.3813 10.5 34.3813C5.19779 34.3813 0.900391 30.0833 0.900391 24.7817C0.900391 19.4795 5.19779 15.1821 10.5 15.1821ZM10.5 16.5688C5.96434 16.5688 2.28711 20.2461 2.28711 24.7817C2.28711 29.3174 5.96434 32.9946 10.5 32.9946C15.0357 32.9946 18.7129 29.3174 18.7129 24.7817C18.7129 20.2461 15.0357 16.5688 10.5 16.5688ZM9.90723 20.8306C10.1779 20.5593 10.6176 20.5595 10.8887 20.8306C11.1599 21.1012 11.1597 21.5409 10.8887 21.812L8.61133 24.0884H14.6562C15.0392 24.0884 15.3496 24.3988 15.3496 24.7817C15.3496 25.1647 15.0392 25.4751 14.6562 25.4751H8.61133L10.8887 27.7524C11.16 28.0231 11.1598 28.4618 10.8887 28.7329C10.618 29.0042 10.1793 29.004 9.9082 28.7329L6.54883 25.3745C6.38441 25.21 6.33258 24.9878 6.36426 24.7817C6.33262 24.5757 6.38486 24.3539 6.54883 24.1899L9.90723 20.8306Z\" fill=\"#285DAE\" stroke=\"#285DAE\" stroke-width=\"0.2\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFaktoring z regresem\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRyzyko niewyp\u0142acalno\u015bci pozostaje po stronie przedsi\u0119biorcy, ale us\u0142uga jest ta\u0144sza i elastyczniejsza. Wi\u0119cej o tym rodzaju przeczytasz tutaj: faktoring z regresem.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36c178b e-con-full e-flex e-con e-child\" data-id=\"36c178b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-347f516 elementor-mobile-position-inline-start elementor-view-default elementor-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"347f516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"49\" viewBox=\"0 0 48 49\" fill=\"none\"><path d=\"M24.2903 44.8945L31.0344 44.1516L32.0631 42.0369C32.9585 42.3227 35.2866 42.8942 37.4356 42.8942C39.5845 42.8942 41.2267 41.9035 41.7792 41.4082L42.2936 29.7489L41.0362 27.8627C39.9694 27.5579 37.4241 26.9597 35.7781 27.0054C34.1321 27.0511 32.1965 28.4343 31.4344 29.1201V34.264L27.6051 33.0065L22.6328 33.5782L21.0327 35.407V43.2942L24.2903 44.8945Z\" fill=\"#FFC426\"><\/path><path d=\"M36.75 26.3361C33.768 26.3361 30.75 27.3666 30.75 29.3361V33.2871C29.5942 32.6586 27.9165 32.3361 26.25 32.3361C23.268 32.3361 20.25 33.3666 20.25 35.3361V42.8361C20.25 46.8186 32.25 46.8336 32.25 42.8361V42.6223C35.5237 44.4231 42.75 43.6543 42.75 40.5861V29.3361C42.75 27.3666 39.732 26.3361 36.75 26.3361ZM41.25 36.8361C41.25 37.3648 39.5415 38.3361 36.75 38.3361C34.6777 38.3361 33.6518 37.8193 33.255 37.7038C32.5605 37.3911 32.25 37.0423 32.25 36.8361C32.25 36.7543 32.25 35.0106 32.25 35.1216C34.653 36.4438 38.9827 36.3673 41.25 35.1351V36.8361ZM21.75 37.3851C24.081 38.6511 28.4183 38.6518 30.75 37.3851V39.0861C30.75 39.6148 29.0415 40.5861 26.25 40.5861C23.4585 40.5861 21.75 39.6148 21.75 39.0861V37.3851ZM41.25 33.0861C41.25 34.1428 36.4613 35.3391 33.321 33.9823C32.5808 33.6636 32.25 33.3021 32.25 33.0861V31.3851C34.581 32.6511 38.9183 32.6518 41.25 31.3851V33.0861ZM36.75 27.8361C39.5415 27.8361 41.25 28.8073 41.25 29.3361C41.25 29.8648 39.5415 30.8361 36.75 30.8361C33.9585 30.8361 32.25 29.8648 32.25 29.3361C32.25 28.8073 33.9585 27.8361 36.75 27.8361ZM26.25 33.8361C29.0415 33.8361 30.75 34.8073 30.75 35.3361C30.75 35.8648 29.0415 36.8361 26.25 36.8361C23.4585 36.8361 21.75 35.8648 21.75 35.3361C21.75 34.8073 23.4585 33.8361 26.25 33.8361ZM26.25 44.3361C23.4585 44.3361 21.75 43.3648 21.75 42.8361V41.1351C24.081 42.4011 28.4183 42.4018 30.75 41.1351V42.8361C30.75 43.3648 29.0415 44.3361 26.25 44.3361ZM33.3323 41.4876C32.589 41.1688 32.25 40.7968 32.25 40.5861V38.8693C34.6425 40.1901 38.9745 40.1218 41.25 38.8851V40.5861C41.25 41.6346 36.4973 42.8428 33.3323 41.4876Z\" fill=\"#285DAE\"><\/path><path d=\"M37.5 16.5861C39.1545 16.5861 40.5 15.2406 40.5 13.5861C40.5 11.9316 39.1545 10.5861 37.5 10.5861C35.8455 10.5861 34.5 11.9316 34.5 13.5861C34.5 15.2406 35.8455 16.5861 37.5 16.5861ZM37.5 12.0861C38.3265 12.0861 39 12.7588 39 13.5861C39 14.4133 38.3265 15.0861 37.5 15.0861C36.6727 15.0861 36 14.4133 36 13.5861C36 12.7588 36.6727 12.0861 37.5 12.0861Z\" fill=\"#285DAE\"><\/path><path d=\"M42.75 18.8361C41.0955 18.8361 39.75 20.1816 39.75 21.8361C39.75 23.4906 41.0955 24.8361 42.75 24.8361C44.4045 24.8361 45.75 23.4906 45.75 21.8361C45.75 20.1816 44.4045 18.8361 42.75 18.8361ZM42.75 23.3361C41.9227 23.3361 41.25 22.6633 41.25 21.8361C41.25 21.0088 41.9227 20.3361 42.75 20.3361C43.5765 20.3361 44.25 21.0088 44.25 21.8361C44.25 22.6633 43.5765 23.3361 42.75 23.3361Z\" fill=\"#285DAE\"><\/path><path d=\"M35.7802 23.1163L44.7802 14.1163C45.4822 13.4143 44.4209 12.3538 43.7197 13.0558L34.7197 22.0558C34.0087 22.7668 35.0887 23.8078 35.7802 23.1163Z\" fill=\"#285DAE\"><\/path><path d=\"M18.0008 39.8361H12C9.9323 39.8361 8.25005 38.1538 8.25005 36.0861V9.08606C8.25005 7.61831 7.6448 6.28931 6.67055 5.33606H27.75C29.8178 5.33606 31.5 7.01831 31.5 9.08606V24.4168C31.5 25.4083 33 25.4098 33 24.4168V9.08606C33 6.19106 30.6443 3.83606 27.75 3.83606H3.00005C2.00705 3.83606 2.00855 5.33606 3.00005 5.33606C5.0678 5.33606 6.75005 7.01831 6.75005 9.08606V36.0861C6.75005 38.9811 9.1058 41.3361 12 41.3361H18.0008C18.9938 41.3361 18.9923 39.8361 18.0008 39.8361Z\" fill=\"#285DAE\"><\/path><path d=\"M12 9.08606H24C24.993 9.08606 24.9915 7.58606 24 7.58606H12C11.007 7.58606 11.0085 9.08606 12 9.08606Z\" fill=\"#285DAE\"><\/path><path d=\"M27.75 16.5861H22.5C21.507 16.5861 21.5085 18.0861 22.5 18.0861H27.75C28.743 18.0861 28.7415 16.5861 27.75 16.5861Z\" fill=\"#285DAE\"><\/path><path d=\"M12 18.0861H19.5C20.493 18.0861 20.4915 16.5861 19.5 16.5861H12C11.007 16.5861 11.0085 18.0861 12 18.0861Z\" fill=\"#285DAE\"><\/path><path d=\"M17.25 27.8361H12C11.007 27.8361 11.0085 29.3361 12 29.3361H17.25C18.243 29.3361 18.2415 27.8361 17.25 27.8361Z\" fill=\"#285DAE\"><\/path><path d=\"M24 29.3361C24.993 29.3361 24.9915 27.8361 24 27.8361H20.25C19.257 27.8361 19.2585 29.3361 20.25 29.3361H24Z\" fill=\"#285DAE\"><\/path><path d=\"M12 21.8361H15C15.993 21.8361 15.9915 20.3361 15 20.3361H12C11.007 20.3361 11.0085 21.8361 12 21.8361Z\" fill=\"#285DAE\"><\/path><path d=\"M12 31.5861C11.007 31.5861 11.0085 33.0861 12 33.0861H16.5C17.493 33.0861 17.4915 31.5861 16.5 31.5861H12Z\" fill=\"#285DAE\"><\/path><path d=\"M12 25.5861H12.75C13.743 25.5861 13.7415 24.0861 12.75 24.0861H12C11.007 24.0861 11.0085 25.5861 12 25.5861Z\" fill=\"#285DAE\"><\/path><path d=\"M20.251 24.0861H15.751C14.7595 24.0861 14.758 25.5861 15.751 25.5861H20.251C21.244 25.5861 21.2425 24.0861 20.251 24.0861Z\" fill=\"#285DAE\"><\/path><path d=\"M23.25 20.3361H18C17.007 20.3361 17.0085 21.8361 18 21.8361H23.25C24.243 21.8361 24.2415 20.3361 23.25 20.3361Z\" fill=\"#285DAE\"><\/path><path d=\"M27.75 20.3361H26.25C25.257 20.3361 25.2585 21.8361 26.25 21.8361H27.75C28.743 21.8361 28.7415 20.3361 27.75 20.3361Z\" fill=\"#285DAE\"><\/path><path d=\"M27.75 27.8361H27C26.007 27.8361 26.0085 29.3361 27 29.3361H27.75C28.743 29.3361 28.7415 27.8361 27.75 27.8361Z\" fill=\"#285DAE\"><\/path><path d=\"M12 12.0861H16.5008C17.4938 12.0861 17.4923 10.5861 16.5008 10.5861H12C11.007 10.5861 11.0085 12.0861 12 12.0861Z\" fill=\"#FFC426\"><\/path><path d=\"M27.75 24.0861H23.25C22.257 24.0861 22.2585 25.5861 23.25 25.5861H27.75C28.743 25.5861 28.7415 24.0861 27.75 24.0861Z\" fill=\"#285DAE\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFaktoring mieszany\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRyzyko dzielone jest mi\u0119dzy faktora a klienta w zale\u017cno\u015bci od ustale\u0144 umownych.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad33775 e-con-full e-flex e-con e-child\" data-id=\"ad33775\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c7373a elementor-mobile-position-inline-start elementor-view-default elementor-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4c7373a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><path d=\"M38.5562 3.95614C38.4886 3.95816 38.4215 3.96937 38.3569 3.98936L12.6624 12.294C12.5685 12.3244 12.4816 12.3731 12.4065 12.4372C12.3315 12.5012 12.2698 12.5795 12.2251 12.6674C12.1804 12.7554 12.1534 12.8512 12.1458 12.9496C12.1382 13.048 12.15 13.1469 12.1807 13.2407L14.9489 21.8056C14.9794 21.8994 15.028 21.9863 15.0921 22.0614C15.1562 22.1364 15.2344 22.1981 15.3224 22.2428C15.4103 22.2876 15.5062 22.3146 15.6046 22.3222C15.703 22.3298 15.8019 22.3179 15.8957 22.2872L23.3864 19.8623C23.5745 19.8019 23.7311 19.6697 23.8223 19.4945C23.9135 19.3194 23.932 19.1153 23.8736 18.9266C23.7717 18.6013 23.7201 18.2599 23.7186 17.919C23.722 16.0305 25.2343 14.5137 27.1235 14.5141C28.5871 14.5159 29.8834 15.4471 30.3512 16.8339C30.4139 17.0211 30.5478 17.1761 30.724 17.2653C30.9002 17.3544 31.1045 17.3705 31.2924 17.31L41.5846 13.9826C41.6785 13.9522 41.7654 13.9035 41.8405 13.8394C41.9155 13.7754 41.9772 13.6971 42.0219 13.6091C42.0667 13.5212 42.0936 13.4253 42.1012 13.327C42.1088 13.2286 42.097 13.1297 42.0663 13.0359L39.2981 4.47103C39.2471 4.31627 39.1472 4.18235 39.0133 4.08945C38.8795 3.99655 38.719 3.94975 38.5562 3.95614Z\" fill=\"#285DAE\"><\/path><path d=\"M38.1019 5.65039L40.4106 12.7868L31.3032 15.7267C30.4613 14.1523 28.95 13.0161 27.1232 13.0138C24.4214 13.0133 22.2183 15.2229 22.2179 17.9246C22.219 18.1625 22.2878 18.3932 22.3231 18.6278L16.1445 20.6263L13.8413 13.49L38.1019 5.65039Z\" fill=\"white\"><\/path><path d=\"M43.1223 1.66237C43.0922 1.56806 43.0438 1.48058 42.9797 1.4051C42.9157 1.32961 42.8374 1.26755 42.7492 1.22248C42.6611 1.17741 42.5649 1.15027 42.4663 1.14255C42.3676 1.13482 42.2683 1.14669 42.1743 1.1775L37.8914 2.56195C37.7977 2.59258 37.711 2.64132 37.6363 2.70546C37.5615 2.7696 37.5001 2.84786 37.4555 2.93574C37.411 3.02362 37.3842 3.11943 37.3767 3.21767C37.3692 3.3159 37.3811 3.41461 37.4118 3.50824L41.1019 14.9241C41.1318 15.0179 41.18 15.105 41.2436 15.1802C41.3071 15.2555 41.3849 15.3175 41.4725 15.3627C41.56 15.4079 41.6556 15.4353 41.7538 15.4435C41.852 15.4518 41.9508 15.4406 42.0447 15.4107L46.3276 14.0262C46.4219 13.9961 46.5093 13.9477 46.5848 13.8837C46.6603 13.8196 46.7224 13.7413 46.7674 13.6531C46.8125 13.565 46.8397 13.4688 46.8474 13.3702C46.8551 13.2715 46.8433 13.1722 46.8124 13.0781L43.1223 1.66237Z\" fill=\"#285DAE\"><\/path><path d=\"M41.9246 2.83496L45.155 12.8285L42.2997 13.7514L39.0693 3.75799L41.9246 2.83496Z\" fill=\"#FFC426\"><\/path><path d=\"M14.0703 14.207C14.0403 14.1127 13.9918 14.0253 13.9278 13.9499C13.8638 13.8744 13.7854 13.8123 13.6973 13.7672C13.6092 13.7222 13.513 13.695 13.4143 13.6872C13.3156 13.6795 13.2164 13.6914 13.1223 13.7222L5.9894 16.0279C5.8951 16.058 5.80768 16.1065 5.73219 16.1705C5.6567 16.2345 5.59463 16.3128 5.54956 16.4009C5.50449 16.4891 5.4773 16.5853 5.46957 16.684C5.46185 16.7827 5.47373 16.8819 5.50453 16.9759L7.34875 22.6812C7.37884 22.7755 7.42729 22.8629 7.49131 22.9384C7.55534 23.0139 7.63368 23.076 7.72181 23.1211C7.80994 23.1662 7.90611 23.1933 8.0048 23.201C8.10348 23.2088 8.20272 23.1969 8.29679 23.1661L15.4297 20.8603C15.524 20.8303 15.6114 20.7818 15.6869 20.7178C15.7624 20.6538 15.8245 20.5755 15.8696 20.4873C15.9146 20.3992 15.9418 20.3031 15.9495 20.2044C15.9573 20.1057 15.9454 20.0064 15.9146 19.9123L14.0703 14.207Z\" fill=\"#285DAE\"><\/path><path d=\"M12.8727 15.3796L14.2571 19.6626L8.54655 21.5085L7.16211 17.2256L12.8727 15.3796Z\" fill=\"#FFC426\"><\/path><path d=\"M6.4467 15.013C6.37209 14.8424 6.2367 14.7056 6.06685 14.6293C5.89701 14.553 5.70486 14.5427 5.52777 14.6002L2.6725 15.5231C2.5782 15.5532 2.49078 15.6016 2.41529 15.6657C2.3398 15.7297 2.27773 15.808 2.23266 15.8961C2.18759 15.9843 2.1604 16.0805 2.15268 16.1792C2.14495 16.2779 2.15684 16.3771 2.18765 16.4711L4.95481 25.0317C4.98489 25.126 5.03334 25.2134 5.09737 25.2889C5.1614 25.3644 5.23973 25.4265 5.32786 25.4715C5.41599 25.5166 5.51217 25.5438 5.61086 25.5516C5.70955 25.5593 5.80879 25.5474 5.90286 25.5166L8.75813 24.5936C8.85177 24.5629 8.93846 24.5142 9.01324 24.4501C9.08802 24.3859 9.14944 24.3077 9.19397 24.2198C9.23851 24.1319 9.2653 24.0361 9.2728 23.9379C9.28031 23.8396 9.26839 23.7408 9.23772 23.6472L6.47055 15.0867C6.46389 15.0617 6.45591 15.0371 6.4467 15.013Z\" fill=\"#285DAE\"><\/path><path d=\"M5.27285 16.2594L7.58024 23.3976L6.15261 23.8591L3.84521 16.7209L5.27285 16.2594Z\" fill=\"#FFC426\"><\/path><path d=\"M27.1125 21.3793C27.0139 21.3811 26.9167 21.4022 26.8264 21.4416C26.7361 21.4809 26.6544 21.5377 26.586 21.6087C26.5176 21.6797 26.4639 21.7633 26.4279 21.8551C26.3918 21.9468 26.3743 22.0448 26.3761 22.1433V45.3907C26.3761 45.5897 26.4551 45.7805 26.5958 45.9212C26.7365 46.0619 26.9273 46.1409 27.1263 46.1409C27.3253 46.1409 27.5161 46.0619 27.6568 45.9212C27.7974 45.7805 27.8765 45.5897 27.8765 45.3907V22.1433C27.8784 22.0425 27.8599 21.9422 27.8222 21.8487C27.7845 21.7551 27.7282 21.6702 27.6569 21.5988C27.5856 21.5275 27.5006 21.4712 27.4071 21.4335C27.3135 21.3958 27.2133 21.3774 27.1125 21.3793Z\" fill=\"#285DAE\"><\/path><path d=\"M27.0349 21.385C26.8877 21.3915 26.7457 21.4411 26.6266 21.5277C26.5074 21.6144 26.4164 21.7342 26.365 21.8722L17.4236 45.1252C17.388 45.2172 17.3709 45.3153 17.3733 45.414C17.3756 45.5127 17.3975 45.6099 17.4375 45.7002C17.4776 45.7904 17.535 45.8718 17.6066 45.9398C17.6781 46.0078 17.7624 46.0609 17.8546 46.0963C17.9468 46.1316 18.045 46.1485 18.1437 46.1458C18.2423 46.1431 18.3395 46.1209 18.4296 46.0805C18.5197 46.0402 18.6009 45.9825 18.6687 45.9107C18.7364 45.8389 18.7893 45.7545 18.8244 45.6622L27.7657 22.4092C27.8115 22.2929 27.8275 22.167 27.8123 22.0429C27.797 21.9188 27.751 21.8005 27.6784 21.6987C27.6058 21.5969 27.5088 21.5149 27.3965 21.4601C27.2841 21.4053 27.1598 21.3795 27.0349 21.385Z\" fill=\"#285DAE\"><\/path><path d=\"M27.0569 21.4181C26.9398 21.4281 26.8267 21.4654 26.7267 21.5272C26.6267 21.5889 26.5426 21.6732 26.4812 21.7734C26.4197 21.8736 26.3827 21.9868 26.3731 22.104C26.3635 22.2211 26.3815 22.339 26.4258 22.4478L35.4225 45.662C35.4581 45.754 35.5115 45.8381 35.5796 45.9094C35.6477 45.9808 35.7292 46.038 35.8194 46.0779C35.9097 46.1177 36.0069 46.1394 36.1055 46.1417C36.2041 46.144 36.3022 46.1268 36.3942 46.0912C36.4862 46.0556 36.5702 46.0022 36.6416 45.9341C36.7129 45.866 36.7701 45.7845 36.81 45.6942C36.8498 45.604 36.8715 45.5068 36.8738 45.4081C36.876 45.3095 36.8588 45.2114 36.8232 45.1195L27.8265 21.9053C27.7695 21.7509 27.6632 21.6195 27.5242 21.5315C27.3851 21.4434 27.2209 21.4036 27.0569 21.4181Z\" fill=\"#285DAE\"><\/path><path d=\"M22.8327 33.3934C22.6337 33.403 22.4467 33.4912 22.3128 33.6386C22.1789 33.786 22.109 33.9807 22.1185 34.1796C22.1281 34.3786 22.2163 34.5655 22.3637 34.6994C22.5111 34.8334 22.7057 34.9033 22.9046 34.8938H31.1539C31.2524 34.8938 31.35 34.8744 31.441 34.8367C31.5321 34.799 31.6148 34.7438 31.6845 34.6742C31.7542 34.6045 31.8095 34.5218 31.8472 34.4307C31.8849 34.3397 31.9043 34.2422 31.9043 34.1436C31.9043 34.0451 31.8849 33.9475 31.8472 33.8564C31.8095 33.7654 31.7542 33.6827 31.6845 33.6131C31.6148 33.5434 31.5321 33.4881 31.441 33.4504C31.35 33.4128 31.2524 33.3934 31.1539 33.3934H22.9046C22.8807 33.3923 22.8566 33.3923 22.8327 33.3934Z\" fill=\"#285DAE\"><\/path><path d=\"M14.9404 16.8928L13.8301 13.5193L38.0907 5.67969L39.1264 8.81901\" fill=\"white\"><\/path><path d=\"M7.77937 19.1149L7.16211 17.2256L12.8727 15.3796L13.482 17.2759\" fill=\"#FFC426\"><\/path><path d=\"M4.91139 20.011L3.84521 16.7209L5.27285 16.2594L6.33013 19.5284\" fill=\"#FFC426\"><\/path><path d=\"M40.5685 8.39569L39.0693 3.75799L41.9246 2.83496L43.4005 7.40086\" fill=\"#FFC426\"><\/path><path d=\"M27.1235 13.0138C24.4219 13.0138 22.2183 15.223 22.2183 17.9246C22.2183 20.6262 24.4219 22.8299 27.1235 22.8299C29.8252 22.8299 32.0343 20.6262 32.0343 17.9246C32.0343 15.223 29.8252 13.0138 27.1235 13.0138Z\" fill=\"#285DAE\"><\/path><path d=\"M27.1232 14.5142C29.0141 14.5142 30.5336 16.0337 30.5336 17.9247C30.5336 19.8157 29.0141 21.3296 27.1232 21.3296C25.2322 21.3296 23.7183 19.8157 23.7183 17.9247C23.7183 16.0337 25.2322 14.5142 27.1232 14.5142Z\" fill=\"#FFC426\"><\/path><path d=\"M27.1232 21.3296C25.2322 21.3296 23.7183 19.8157 23.7183 17.9247C23.7183 16.0337 25.2322 14.5142 27.1232 14.5142\" fill=\"#FFC426\"><\/path><path d=\"M27.1233 15.6381C25.8714 15.6381 24.8423 16.6727 24.8423 17.9246C24.8423 19.1765 25.8714 20.2056 27.1233 20.2056C28.3752 20.2056 29.4043 19.1765 29.4043 17.9246C29.4043 16.6727 28.3752 15.6381 27.1233 15.6381Z\" fill=\"#285DAE\"><\/path><path d=\"M27.1234 17.1384C27.5647 17.1384 27.904 17.4834 27.904 17.9246C27.904 18.3658 27.5647 18.7052 27.1234 18.7052C26.6822 18.7052 26.3428 18.3658 26.3428 17.9246C26.3428 17.4834 26.6822 17.1384 27.1234 17.1384Z\" fill=\"white\"><\/path><path d=\"M27.1234 18.7052C26.6822 18.7052 26.3428 18.3658 26.3428 17.9246C26.3428 17.4834 26.6822 17.1384 27.1234 17.1384\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFaktoring jawny\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKontrahent jest informowany o cesji i dokonuje p\u0142atno\u015bci bezpo\u015brednio do faktora.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50378d6 e-con-full e-flex e-con e-child\" data-id=\"50378d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-761f1ed elementor-mobile-position-inline-start elementor-view-default elementor-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"761f1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><mask id=\"mask0_382_153\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"48\" height=\"48\"><path d=\"M47.25 47.25V0.75H0.75V47.25H47.25Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.5\"><\/path><\/mask><g mask=\"url(#mask0_382_153)\"><path d=\"M19.7479 9.84462C18.6852 11.0667 17.3603 11.6128 15.6756 11.7589C15.4837 11.7751 15.3809 11.7427 15.3701 11.959C15.1511 16.212 17.1007 18.6508 19.7641 20.4027C19.8209 20.4406 19.8047 20.4406 19.8614 20.4027C22.525 18.6535 24.4745 16.212 24.2582 11.959C24.2447 11.7427 24.142 11.7751 23.95 11.7589C22.2654 11.6128 20.9431 11.0667 19.8805 9.84462C19.7993 9.75275 19.8263 9.75275 19.7479 9.84462Z\" fill=\"#FFC426\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28.7119 9.83911H34.8014\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28.7119 13.2512H34.8014\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28.7119 16.6633H34.8014\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M37.0295 34.884V32.3316C37.0295 30.9257 35.8802 29.7766 34.4768 29.7766H30.4127C29.0066 29.7766 27.8574 30.9257 27.8574 32.3316V34.884\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M27.0084 34.884H37.8785C38.9466 34.884 39.82 35.76 39.82 36.8253V45.3556C39.82 46.4236 38.9466 47.2969 37.8785 47.2969H27.0084C25.9402 47.2969 25.0669 46.4236 25.0669 45.3556V36.8253C25.0669 35.76 25.9402 34.884 27.0084 34.884Z\" fill=\"#FFC426\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M15.6324 44.6121H25.0668M39.8199 44.6121H41.7993C42.8889 44.6121 43.7812 43.7197 43.7812 42.6301V23.7282C43.7812 22.3818 42.6781 21.2786 41.3315 21.2786L28.8741 21.2977C28.1277 21.3003 27.468 21.4462 27.0461 22.7252L26.1294 25.4938C25.9023 26.9728 24.8234 27.035 23.2172 27.035H6.20081C5.11106 27.035 4.21875 27.9271 4.21875 29.0167V42.6301C4.21875 43.7197 5.11106 44.6121 6.20081 44.6121H11.9631\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M22.2194 4.89388H38.53C39.0087 4.89388 39.398 5.28323 39.398 5.7591V21.2813M10.9707 27.0349V5.7591C10.9707 5.28323 11.36 4.89388 11.8386 4.89388H18.9151\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M6.59033 27.0349V1.71426C6.59033 1.15729 7.04727 0.70307 7.60433 0.70307H36.4751C37.0321 0.70307 37.4891 1.15729 37.4891 1.71426V4.89388\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M32.4432 42.23C33.3869 42.23 34.1495 41.4648 34.1495 40.5239C34.1495 39.5802 33.3869 38.8151 32.4432 38.8151C31.4996 38.8151 30.7371 39.5802 30.7371 40.5239C30.7371 41.4648 31.4996 42.23 32.4432 42.23Z\" fill=\"white\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M32.4434 42.2301V44.3093\" stroke=\"#285DAE\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFaktoring cichy\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tkontrahent nie jest informowany o wsp\u00f3\u0142pracy z firm\u0105 faktoringow\u0105, co pozwala zachowa\u0107 pe\u0142n\u0105 poufno\u015b\u0107.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e025db8 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e025db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dob\u00f3r w\u0142a\u015bciwego rodzaju faktoringu zale\u017cy od bran\u017cy, relacji z kontrahentami oraz oczekiwa\u0144 co do szybko\u015bci i zakresu obs\u0142ugi. AOW Faktoring pomaga dobra\u0107 najkorzystniejsze rozwi\u0105zanie, dopasowane do indywidualnych potrzeb firmy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20859f6 elementor-align-center button-blue shine-button elementor-widget-laptop__width-inherit elementor-widget elementor-widget-button\" data-id=\"20859f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47ffcfa pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"47ffcfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2134538 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2134538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b37da elementor-widget__width-inherit elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"b3b37da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Jak wygl\u0105da proces uzyskania <span class=\"highlight\">faktoringu bez BIK?<\/span>\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a2bbe elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"63a2bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"747\" height=\"572\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-2.webp\" class=\"attachment-large size-large wp-image-15925\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-2.webp 747w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-2-600x459.webp 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/Fatoring-bez-bik-2-300x230.webp 300w\" sizes=\"(max-width: 747px) 100vw, 747px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75e0214 e-con-full e-flex e-con e-child\" data-id=\"75e0214\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a441a36 elementor-widget elementor-widget-text-editor\" data-id=\"a441a36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Uzyskanie faktoringu&nbsp;<\/span>(po\u017cyczka\/kredyt dla firm) bez BIK jest szybkie, proste i maksymalnie odformalizowane. Ca\u0142y proces mo\u017cna przeprowadzi\u0107 zdalnie \u2013 bez konieczno\u015bci dostarczania stos\u00f3w dokument\u00f3w czy przedstawiania za\u015bwiadcze\u0144 z banku lub ZUS.<\/p>\n<p><span style=\"font-weight: 400;\">W pierwszym kroku przedsi\u0119biorca kontaktuje si\u0119 z<\/span><a href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/\"> <span style=\"font-weight: 400;\">firm\u0105 faktoringow\u0105<\/span><\/a><span style=\"font-weight: 400;\"> i przesy\u0142a faktury, kt\u00f3re chce sfinansowa\u0107. Faktor dokonuje analizy kontrahenta \u2013 a nie samej firmy \u2013 i podejmuje decyzj\u0119 o przyznaniu finansowania. W przypadku AOW Faktoring taka decyzja cz\u0119sto zapada w ci\u0105gu kilku godzin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Po akceptacji dokument\u00f3w i warunk\u00f3w wsp\u00f3\u0142pracy podpisywana jest umowa, a \u015brodki trafiaj\u0105 na konto przedsi\u0119biorcy \u2013 zazwyczaj jeszcze tego samego dnia. Ca\u0142y proces odbywa si\u0119 online, a klient zyskuje dost\u0119p do intuicyjnego panelu, w kt\u00f3rym mo\u017ce przesy\u0142a\u0107 kolejne faktury i kontrolowa\u0107 stan rozlicze\u0144.<\/span><\/p>\n<p><b>Faktoring bez BIK to minimum formalno\u015bci, maksymalne tempo i pe\u0142na przejrzysto\u015b\u0107<\/b><span style=\"font-weight: 400;\"> \u2013 dlatego zyskuje na popularno\u015bci w\u015br\u00f3d nowoczesnych firm, kt\u00f3re oczekuj\u0105 finansowania bez zb\u0119dnych barier.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e16a48 pad-tb-m e-flex e-con-boxed e-con e-parent\" data-id=\"0e16a48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c39d86 e-con-full e-flex e-con e-child\" data-id=\"9c39d86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5c844e elementor-widget elementor-widget-heading\" data-id=\"e5c844e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">AOW Faktoring<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0be2f3 elementor-widget__width-initial elementor-widget-mobile__width-inherit deco-underline elementor-widget elementor-widget-heading\" data-id=\"e0be2f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Dlaczego warto wybra\u0107 <span class=\"highlight\"> AOW Faktoring?<\/span> \n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b102c56 elementor-widget elementor-widget-text-editor\" data-id=\"b102c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>AOW Faktoring to sprawdzony partner dla przedsi\u0119biorc\u00f3w<\/b><span style=\"font-weight: 400;\"> poszukuj\u0105cych prostego i skutecznego sposobu na finansowanie swojej dzia\u0142alno\u015bci. Firma oferuje faktoring bez BIK na jasnych i przejrzystych zasadach, bez zb\u0119dnych formalno\u015bci i d\u0142ugotrwa\u0142ych procedur.<\/span><\/p><p><span style=\"font-weight: 400;\">Klienci AOW mog\u0105 liczy\u0107 na indywidualne podej\u015bcie, szybkie decyzje i wyp\u0142at\u0119 \u015brodk\u00f3w nawet w ci\u0105gu kilku godzin od przes\u0142ania faktur. Co wi\u0119cej, ca\u0142o\u015b\u0107 odbywa si\u0119 online \u2013 z dost\u0119pem do wygodnego panelu klienta, w kt\u00f3rym mo\u017cna kontrolowa\u0107 p\u0142atno\u015bci, zg\u0142asza\u0107 nowe dokumenty i analizowa\u0107 histori\u0119 finansowania.<\/span><\/p><p><b>Wyr\u00f3\u017cnia nas do\u015bwiadczenie, elastyczno\u015b\u0107 i pe\u0142na transparentno\u015b\u0107<\/b><span style=\"font-weight: 400;\">. AOW nie stosuje ukrytych op\u0142at ani skomplikowanych um\u00f3w \u2013 ka\u017cda wsp\u00f3\u0142praca opiera si\u0119 na zaufaniu i realnym wsparciu w codziennym prowadzeniu biznesu.<\/span><\/p><p><span style=\"font-weight: 400;\">Dzi\u0119ki temu faktoring z AOW to nie tylko finansowanie, ale tak\u017ce <\/span><b>stabilno\u015b\u0107, bezpiecze\u0144stwo i wi\u0119cej czasu na rozw\u00f3j firmy<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feaf135 elementor-align-center button-blue shine-button elementor-widget elementor-widget-global elementor-global-13225 elementor-widget-button\" data-id=\"feaf135\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7af90d e-con-full e-flex e-con e-parent\" data-id=\"a7af90d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4e7bc9 elementor-widget elementor-widget-template\" data-id=\"d4e7bc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7380\" class=\"elementor elementor-7380\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35d2518 e-flex e-con-boxed e-con e-parent\" data-id=\"35d2518\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ee2b7bd e-con-full e-flex e-con e-child\" data-id=\"3ee2b7bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34abd5df elementor-widget elementor-widget-heading\" data-id=\"34abd5df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">M\u00d3WIMY TAK GDY INNI M\u00d3WI\u0104 NIE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62618611 deco-underline-red elementor-widget elementor-widget-heading\" data-id=\"62618611\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potrzebujesz faktoringu?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dcf5a8 elementor-widget elementor-widget-heading\" data-id=\"2dcf5a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Wype\u0142nij niezobowi\u0105zuj\u0105cy formularz<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c79db6a elementor-align-center elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"c79db6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/zapytanie-o-oferte\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><rect width=\"24\" height=\"24\" rx=\"4\" fill=\"black\" fill-opacity=\"0.15\"><\/rect><path d=\"M6.87092 12L16.871 12\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><path d=\"M13.871 8L17.871 12L13.871 16\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"square\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zapytaj o ofert\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dc1b29 e-con-full e-flex e-con e-child\" data-id=\"1dc1b29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60ceb255 elementor-widget elementor-widget-image\" data-id=\"60ceb255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"695\" src=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-1024x889.png\" class=\"attachment-large size-large wp-image-5945\" alt=\"\" srcset=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-1024x889.png 1024w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-600x521.png 600w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-300x261.png 300w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753-768x667.png 768w, https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/09\/freepik__background__12753.png 1179w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? Faktoring\u00a0(po\u017cyczka\/kredyt dla firm) bez BIK to rozwi\u0105zanie finansowe, kt\u00f3re otwiera drzwi do szybkiego finansowania firmom, dla kt\u00f3rych tradycyjna droga przez banki jest zbyt skomplikowana lub zamkni\u0119ta z powodu niskiej zdolno\u015bci kredytowej. Dzia\u0142a niezale\u017cnie od historii kredytowej przedsi\u0119biorcy, opieraj\u0105c decyzj\u0119 o finansowaniu na wiarygodno\u015bci kontrahent\u00f3w. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15864","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredyt\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW<\/title>\n<meta name=\"description\" content=\"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredyt\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW\" \/>\n<meta property=\"og:description\" content=\"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/\" \/>\n<meta property=\"og:site_name\" content=\"Firma Faktoringowa AOW\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T10:42:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"747\" \/>\n\t<meta property=\"og:image:height\" content=\"572\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/\",\"name\":\"Kredyt\\\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/przedsiebiorca.webp\",\"datePublished\":\"2025-11-28T10:15:45+00:00\",\"dateModified\":\"2025-12-19T10:42:47+00:00\",\"description\":\"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/#primaryimage\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/przedsiebiorca.webp\",\"contentUrl\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/przedsiebiorca.webp\",\"width\":747,\"height\":572},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#website\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/\",\"name\":\"Firma Faktoringowa AOW\",\"description\":\"M\u00f3wimy Tak gdy inni odmawiaj\u0105 finansowania. Sprawd\u017a teraz nasz\u0105 ofert\u0119!\",\"publisher\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#organization\",\"name\":\"Firma Faktoringowa AOW\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/aow_logo.png\",\"contentUrl\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/aow_logo.png\",\"width\":228,\"height\":39,\"caption\":\"Firma Faktoringowa AOW\"},\"image\":{\"@id\":\"https:\\\/\\\/demo.pozyskuj-klientow.com.pl\\\/AOW\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kredyt\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW","description":"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/","og_locale":"pl_PL","og_type":"article","og_title":"Kredyt\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW","og_description":"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!","og_url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/","og_site_name":"Firma Faktoringowa AOW","article_modified_time":"2025-12-19T10:42:47+00:00","og_image":[{"width":747,"height":572,"url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Szacowany czas czytania":"1 minuta"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/","url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/","name":"Kredyt\/Po\u017cyczka dla Firm Bez BIK - co to oznacza? - Firma Faktoringowa AOW","isPartOf":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#website"},"primaryImageOfPage":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/#primaryimage"},"image":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/#primaryimage"},"thumbnailUrl":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp","datePublished":"2025-11-28T10:15:45+00:00","dateModified":"2025-12-19T10:42:47+00:00","description":"Faktoring AOW zaprasza \u2b50\ufe0f Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107? \u2714\ufe0f Minimum formalno\u015bci, szybka decyzja \u2714\ufe0f Firma z ponad 30 letnim do\u015bwiadczeniem \u2714\ufe0f Zapraszamy!","breadcrumb":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/#primaryimage","url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp","contentUrl":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/12\/przedsiebiorca.webp","width":747,"height":572},{"@type":"BreadcrumbList","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/faktoring-bez-bik-co-to-oznacza-i-kto-moze-skorzystac\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/"},{"@type":"ListItem","position":2,"name":"Faktoring bez BIK \u2013 co to oznacza i kto mo\u017ce skorzysta\u0107?"}]},{"@type":"WebSite","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#website","url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/","name":"Firma Faktoringowa AOW","description":"M\u00f3wimy Tak gdy inni odmawiaj\u0105 finansowania. Sprawd\u017a teraz nasz\u0105 ofert\u0119!","publisher":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Organization","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#organization","name":"Firma Faktoringowa AOW","url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/","logo":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#\/schema\/logo\/image\/","url":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/07\/aow_logo.png","contentUrl":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-content\/uploads\/2025\/07\/aow_logo.png","width":228,"height":39,"caption":"Firma Faktoringowa AOW"},"image":{"@id":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/pages\/15864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/comments?post=15864"}],"version-history":[{"count":35,"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/pages\/15864\/revisions"}],"predecessor-version":[{"id":16116,"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/pages\/15864\/revisions\/16116"}],"wp:attachment":[{"href":"https:\/\/demo.pozyskuj-klientow.com.pl\/AOW\/wp-json\/wp\/v2\/media?parent=15864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}