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PuyChill
CALM SMART FINANCE
Supply-chain financing for suppliers & distributors

Working capital — anchored on strong buyers. Calm, fast, and transparent.

PuyChill provides invoice financing for businesses supplying or distributing products to investment-grade anchor buyers. No hype — just clear terms, fast decisions, and disciplined risk.

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Tenor
30–90 days
Pricing
1.5–3.0% / month
Pilot
PL • DE • ES

*All financing is subject to approval, documentation, and risk checks.

Simple, disciplined structure
Designed for real operations, not marketing.
1
Submit invoice
Upload a PDF + basic buyer details.
2
Get a clear quote
Price based on tenor, buyer strength, and documentation.
3
Receive funds
Funding aligned with payment terms (30–90 days typical).
For suppliers
For distributors
Anchor-buyer focus
No named buyers
We keep it compliant and factual.
Short-term only
Focused on working capital, not long-term debt.
Explainable risk
Transparent decisions you can understand.

How it works

We finance invoices linked to strong counterparties (“anchor buyers”) and keep the process lightweight. You get liquidity without rewriting your operations.

1) Validate

We verify invoice basics, buyer entity, terms, and supporting documents (PO / delivery / contract as applicable).

  • Invoice PDF
  • Buyer entity + address
  • Payment terms (30–90 days)

2) Price

Pricing reflects tenor and documentation quality, anchored primarily on the buyer’s strength and payment behavior.

  • 1.5–3.0% per month
  • No hidden fees
  • Clear payout schedule

3) Fund & track

After signing, funds are disbursed and the invoice is tracked through maturity. We keep reporting simple and auditable.

  • Status tracking
  • Reporting exports
  • Renewal on repeat invoices

Product

A focused financing product for predictable business cycles — designed to scale across countries without forcing you into complex bank processes.

Invoice financing (factoring / SCF)

Short-term liquidity against invoices tied to anchor buyers.

Tenor
30–90 days
Pricing
1.5–3.0% / month
Use cases
Payroll • Materials • Inventory replenishment
Who it’s for
Suppliers + Distributors
We don’t market specific buyers publicly. Eligibility depends on buyer strength and documentation.

What we need from you

For the pilot, we keep requirements pragmatic. If you can invoice and deliver consistently, you’re likely a fit.

✓ Company registration + UBO info
✓ Invoice PDF + buyer entity details
✓ Supporting docs (PO / delivery / contract)
✓ Bank account for payout
Start an application

Pilot countries

We’re launching with a controlled pilot to keep underwriting consistent and fast.

Poland

EU operating environment, strong documentation culture.

  • Suppliers (packaging, logistics)
  • Distributors (regional wholesale)

Germany

High-quality counterparties, predictable payment behavior.

  • Industrial and FMCG supply base
  • Structured purchasing processes

Spain

Strong distribution networks, recurring inventory cycles.

  • Supplier financing
  • Distributor working-capital cycles

Book a call

Want to sanity-check fit before applying? Book a short intro call.

15 minutes. Clear answers.

We’ll confirm whether your invoices and buyer profile fit the pilot parameters.

  • Tenor: 30–90 days
  • Pricing: 1.5–3.0% per month
  • Countries: Poland, Germany, Spain
Open calendar

Apply for funding

Send us the basics. We’ll respond with next steps and the minimum required documents.

By submitting, you confirm the information is accurate and you agree to be contacted by PuyChill s.r.o.

Disclaimer: This website is informational only and does not constitute an offer. Financing is subject to eligibility, documentation, and risk approval.

FAQ

Short, direct answers. No fluff.

Do you require naming the buyer publicly?
No. We do not list or market specific buyers on the website. Eligibility is determined during underwriting based on buyer strength and documentation.
What invoice tenors do you finance?
The pilot focuses on 30–90 days. Longer tenors may be considered later.
How do you price?
Pricing is typically 1.5–3.0% per month, depending on tenor and documentation. We keep pricing explicit and quote before any commitment.
Do you finance both suppliers and distributors?
Yes — the pilot supports both, as long as the transaction is anchored on a strong counterparty and the documentation is clear.
What documents are required?
At minimum: invoice PDF, buyer entity details, and basic company/KYB information. Supporting documents like PO, delivery note, or contract strengthen eligibility and pricing.