Niche SME Focus PayRay Bank specializes in providing flexible financing options such as factoring, business loans, and leasing tailored specifically for small and medium-sized enterprises, creating opportunities to promote customized financial products to their client base.

Digital Banking Engagement With a mission to simplify digital banking experiences and a tech stack including cloud services and secure web protocols, there is potential to offer innovative digital solutions, integrations, or value-added services that enhance their online banking platform.

Growth Potential Operating with revenue between 1M and 10M and serving a focused market in Lithuania, there is an opportunity to support PayRay's expansion plans, either domestically or into new markets, by providing scalable financial tools or market entry solutions.

Tech Stack Compatibility Their current technology infrastructure utilizing MySQL, PHP, and cloud services suggests an openness to technological upgrades or integrations, presenting opportunities for fintech collaborations or advanced security and data management solutions.

Competitive Positioning As a smaller player compared to competitors like TrustBank and SecurePay, there is a strategic opportunity to develop specialized financial products or marketing campaigns that highlight PayRay’s flexibility and customer-centric approach to differentiate in the SME lending space.