Business model: B2B
PAYTREE is a consumer finance company that provides flexible and modern financial solutions tailored to the non-banking sector. They prioritize advanced statistical models based on a wide range of data to minimize formalities and ensure a fast process for the end customer. They emphasize responsible lending and are an active member of the Association of Financial Enterprises in Poland. PAYTREE operates in a white label strategy, creating dedicated products for business partners. Their average daily practices include analyzing about 962 credit applications and making initial credit decisions in about 19 seconds.