What can a business loan be used for?

The most common types of business loans (kredyt firmowy) offered in Poland include:

• Working Capital Loan (kredyt obrotowy) – used to finance the company’s day-to-day operations, such as paying supplier invoices, employee salaries, or covering operational costs.
• Investment Loan (kredyt inwestycyjny) – intended to fund business development projects, including research, training, equipment purchases, construction, or modernization. Due to its nature, it typically involves a longer repayment period.
• Bridge Loan (kredyt pomostowy) – a short-term financing solution for covering temporary gaps in cash flow while awaiting funds from another source. For example, it can help cover expenses at the start of an investment while waiting for grants or other financial inflows.
• Commercial Mortgage Loan (kredyt hipoteczny)– used for investing in fixed assets, such as purchasing, constructing, or modernizing commercial real estate.