“PayRay” bank is a niche SME business lender located in Vilnius, Lithuania. Our fast and flexible financing services comprise of Factoring, Business Loans and Leasing. “PayRay” focuses on businesses of all sizes that can stabilize their working capital flows and improve their performance. The company's services are distinguished by flexibility, quick decision-making and insight into customer needs and business specifics. Our mission is to make digital banking experience simple and enjoyable. We proudly bring people from all backgrounds and experiences together, building a team with a great dedication to solve any possible task. Discover and experience our advanced business services on our website www.payray.bank.