What documents are required for a business loan?

To obtain a business loan (kredyt firmowy), you will need documents confirming your company’s registration, financial standing, and absence of public liabilities. Typically, the bank will request:

• Certificate of registration with CEIDG or KRS
• Proof of NIP and REGON numbers
• Articles of association and company agreement
• Certificates confirming no outstanding payments to the Tax Office (US) or Social Insurance Institution (ZUS)
• Tax return for the year preceding the current year
• Profit and loss statements for the most recent fiscal year
• Tax authority decisions regarding the assessed tax for the last year
• Records from the revenue and expense ledger (KPiR)
• VAT declarations for the current year
• Business plan (for investment loans)
• Certificates of outstanding balances from other banks

These documents allow the bank to assess the company’s creditworthiness and financial stability before approving the loan.