Founded in 2018 in Lithuania, PayRay is a financial technology company that specializes in providing flexible working capital solutions for businesses. It initially focused on factoring services and later expanded its portfolio to include business loans. In 2021, after receiving a specialized bank license from the European Central Bank (ECB), the company was rebranded as PayRay Bank. Its mission is to offer fast, simple, and accessible financing to SMEs, helping them manage cash flow and foster growth through modern digital banking tools.

Founded in

Lithuania