PayRay Bank is a bank specialising in business financing services with headquarters in Lithuania and a branch in Latvia. Established in 2018, the company operates in international markets, providing wide scope of financing solutions and constantly developing new ones to help small and medium-sized businesses stabilise their working capital and improve performance. After receiving our banking license from the European Central Bank, we put together a team of experts in the field of business financing. Our commitment is to bring change, by offering flexible, reliable and innovative financing solutions transcending boundaries across EU. PayRay Bank has brought together a team of first-class finance professionals and built an experienced international board of advisors. We foster the culture of trust, appreciation and community within PayRay and enjoy the environment of innovative, fast-growing organization.