About Us

SME Banking Club is an association of business bankers aimed to provide relevant information on what banks and financial companies are offering for entrepreneurs, micro-, small and medium enterprises (SMEs).

Michal Pawlik

Michal Pawlik

Co-Founder and CEO of SMEO (Poland)

ABOUT

Michal Pawlik is a Co-Founder and CEO of SMEO – an independent FinTech invoice factoring company providing flexible financing services for the small and medium-sized enterprise sector.

Before setting up SMEO in Jan 2017, he created from scratch the invoice finance business for Getin Holding Group in 2012. After three years Idea Money was sold for over 150 million PLN as the business leader on the (SME) factoring market.

Michal is also the innovator of eFaktoring.pl, established in 2015. The first fully online loans services for microenterprises and self-employed freelancers in Poland.

He gained experience working initially as a product and sales manager in banks.

On top of daily business, he is actively committed to the FinTech industry environment and advises young entrepreneurs.

A graduate of the Warsaw School of Economics and Cracow University of Economics, he also completed Postgraduate Academy of Leadership Psychology at the Warsaw University of Technology Business School.

About SMEO:

SMEO is an independent FinTech invoice factoring company providing flexible financing services for the small and medium-sized enterprise sector.

The company was founded by a team of experienced and entrepreneurial professionals lead by Michal Pawlik together with a robust investment fund in Jan 2017 in Warsaw.

The goal is to help businesses unlock working capital by instant payments of their invoices and manage their cash flow challenges, taking advantage of big data, machine learning and automated data-driven scoring technology to ensure secure and fast cooperation to fulfill our client’s needs.

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