Explore our services. Business loans

Processing times vary depending on the size and type of the loan, as well as the completeness of the documentation and the complexity of the company’s financial situation. A preliminary decision can sometimes be obtained on the same day, though it usually takes up to 7 business days. The final decision is typically issued within 2 to 5 weeks from the date of submitting the application.

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.

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.

The key conditions for obtaining a business loan (kredyt firmowy) are:

• Complete financial and registration documents – such as PIT, KPiR, financial statements, and company registration records (CEIDG/KRS).
• Sufficient creditworthiness – demonstrated by stable, high revenues and low existing debt.
• Sufficient operating history – usually 6–24 months, although some loans are available for even younger companies.
• Positive credit history – a clean record in BIK and no outstanding obligations with ZUS or the tax office (US).

Currently, there are dozens of offers available on the market for every type of business loan. Analyzing them independently could take weeks. For this reason, it is best to consult an independent credit expert. The expert will review offers from multiple banks and, using specialized tools, select the most advantageous one in terms of conditions, procedures, and processing time.

Nothing – our services are completely free for the client. Our remuneration is covered by the lending bank. The borrower is informed of its amount at the stage of selecting offers. Our offer is identical to what the borrower would receive directly from the bank.

Our clients gain a comprehensive overview of the market, which helps them choose the offer best suited to their needs. We support clients at every stage of the process, ensuring a smooth, secure, and professional transaction.

Yes, a business loan can indirectly reduce an individual’s personal creditworthiness. This is especially true for sole proprietorships (JDG) or when the owner guarantees the loan with their personal assets.

Yes, it is possible to obtain a business loan without collateral. The key requirement is that the company’s financial standing demonstrates sufficient creditworthiness.

Unsecured loans are granted solely based on the company’s creditworthiness. For banks, these loans are inherently riskier than secured loans, such as those backed by real estate or other assets. As a result, unsecured loans typically carry higher interest rates compared to secured loans.

No, traditional banks in Poland will refuse to grant a business loan if there are outstanding debts to ZUS or the Tax Office (Urząd Skarbowy). Banks always require certificates confirming no debts as a basic condition—without them, the loan will not be approved.

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.