Target Information

SMEO is a prominent fintech company in Poland that specializes in providing factoring services, aimed at small and medium-sized enterprises (SMEs). The company has developed a strong and strategic offering tailored to the needs of this crucial segment of the Polish economy. With a capable and experienced management team, SMEO is poised for growth and has a clear developmental roadmap to enhance its service offerings.

This deal, which involves the issuance of bonds worth up to 40 million PLN, is structured to provide long-term funding to SMEO, with an initial tranche of 20 million PLN raised in May 2025, to be repaid over a period of 3.5 years. These funds will enable SMEO to further develop its factoring services, deepen collaboration with cooperative banks, and improve access to financing for micro and small firms in local communities.

Industry Overview in Poland

The fintech industry in Poland has experienced significant growth in recent years, driven by technological advancements and a booming economy. Fintech companies have emerged as vital players in providing innovative solutions that cater to various financial needs. The factoring sector, in particular, has seen a rise in demand due to an increasing number of SMEs seeking accessible financial services.

As the SME sector constitutes a pivotal part of the Polish economy, enhancing financial liquidity for these businesses is essential. Traditional banks have often struggled to meet the unique needs of small firms, creating an opportunity for fintech companies like SMEO to capture market share. The ability to serve this segment effectively can lead to mutual growth and resilience in the economic landscape.

Moreover, regulatory changes and government support for fintech initiatives have further promoted the growth of this industry. The Polish authorities have recognized the potential of fintech companies and have been facilitating an environment conducive for innovation and investment. This support not only enhances market confidence but also encourages more startups to enter the space.

The integration of technology in financial services enables faster, more efficient processes and greater user engagement, making fintech an increasingly attractive option for SMEs. As this sector matures, continued advancements and strategic partnerships will be essential for companies to sustain their competitive edge and foster community trust.

Rationale Behind the Deal

The decision to invest in SMEO aligns with CVI's strategic objective to back companies with a strong growth potential and innovative services. With an experienced team and a clear market strategy, SMEO represents a compelling opportunity for long-term investment in the fintech sector.

This funding will allow SMEO to expand its services and reach a broader customer base, particularly within underserved regions. Investing in a company that facilitates access to financing for SMEs not only supports economic growth but also reflects a responsible investment strategy.

Investor Information

CVI is a leading player in the private debt market across Central Europe, recognized for its commitment to fostering growth in businesses with high potential. With a focus on long-term investments, CVI seeks to partner with companies that demonstrate clear strategies and robust teams capable of executing their vision.

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