Can a newly established company get a business loan?

Yes, a newly established company can obtain a business loan (kredyt firmowy), although it is generally more difficult than for a company with several years of operating history. Some banks offer loans from the very first day of business.

These loans are usually smaller, as the bank evaluates only the owner’s experience and business plan rather than actual business results. In some cases, it is also possible to secure the loan with collateral, such as a mortgage, which can improve approval chances.