A fellow trucker recommended Malcom Finance to us. It is an amazing service. Pleasant customer services, quick payments, easy to understand, no hidden fees, easy to administer. The right help just when it was needed the most. Now we are able to grow our business further. We recommend it very much.
ADFAISTOVI S.R.O.
Jiřina Koktová, jednatelka
A fellow trucker recommended 4Trans. It is an amazing service. Pleasant customer services, quick payments, easy to understand, no hidden fees, easy to administer. The right help just when it was most needed. Now we are not afraid to develop our business further. We RECOMMEND it very much.
Ranked as Europe's 96th fastest-growing startup, 29th among Fintechs (2024)
Ranked as the 7th fastest-growing startup in CEE (2024)
Fast 50 Czech Republic Laureate (2023)
Breakthrough of the Year Award Winner (2024)
Winner of the Fintech Engage Czechia competition, StartPath cohort (2023)
Best B2B Startup in the Czech Republic (2022)
Project of the year (2022)
Frequently asked questions
Simply click the registration button on our website, and we will guide you through the entire online process. Registration is easy and takes only a few minutes. The agreement is signed online, and you can start uploading invoices right away. For registration, you’ll need a mobile phone and two forms of identification.
Nothing. Registration is completely free and carries no obligations. Financing will be ready for you to use whenever you find it convenient. We also offer free verification of your business partners’ payment reliability.
The cost ranges from 2% to 5% of the invoice value. The funds are available immediately, allowing you to cover ongoing expenses or unexpected costs. Our financing includes post-due payment debt collection and invoice insurance in case your client fails to pay. Additionally, you can verify your clients’ payment reliability for free before starting a job.
Usually, the funds are transferred to your account within 24 hours of invoice approval.
Simply upload the invoice along with the required documents through our Client Zone. Invoices can also be sent directly from your mobile phone. Once the invoice is verified, we immediately pay an advance of up to 80% of its value. The remaining amount, minus our service fee, is transferred after the client settles the payment.
To approve and release funds, we require: the invoice with an appropriate clause, a purchase order and a proof of transport completion/CMR document.
Most of the invoices we finance are insured, so you don’t need to return any money. This is known as non-recourse factoring. If your client fails to pay, we take all necessary steps to encourage them to settle the debt. We use an advanced debt collection system to manage the entire process on your behalf.
We specialize primarily in financing the logistics industry, but we are also capable of assisting companies in other sectors. Please contact us if you’d like to learn more.
Our clients are primarily companies from Poland, the Czech Republic, and Slovakia. However, we also provide funding for invoices issued to clients across the entire European Union.
We accept invoices in PLN, CZK, EUR, USD.
We can also work with clients who prohibit cooperation with traditional factoring companies but allow collaboration with us. In such cases, please contact us – we will find an appropriate solution and agree on the terms of cooperation together.