Financial brokerage for sole proprietorships, companies, farmers and developers
Financing
Financing
your bank won't give you.
We help businesses get financing where the bank says "no" or makes them wait too long.
Our products
Six financing paths
We match the solution to your situation. We act fast, discreetly, and without unnecessary paperwork.
Why PozaBankiem
Bank-level professionalism. Without the bureaucracy.
Fast decisions
A preliminary response within a few business days. In finance, time is money, so we don't make you wait weeks for a decision.
Flexible approach
We assess every case individually, not through a scoring model. We help businesses with a short track record, ZUS (social security) arrears, or a complex structure.
Full discretion
Your financial situation stays between us. We work without publicity and without unnecessary paperwork. We take client privacy seriously.
Experienced team
Over 300 clients served in the last 3 years. We know the ins and outs of loans secured by real estate, factoring, the development market, agricultural law, and leasing.
A wide financing range
From PLN 100,000 to tens of millions. We serve smaller businesses that need factoring as well as large development projects. PLN 50 million or 100 million? Not a problem, if the project makes sense.
Available 7 days a week
We work Monday through Sunday, 9:00 AM to 8:00 PM. Your matter doesn't wait until Monday.
Process
How it works
Four steps from first contact to disbursed financing.
Contact
Fill out the form or call, whichever suits you. We respond the same day, 7 days a week.
Assessment
We assess your situation and match the right product. A fast preliminary decision, without unnecessary paperwork.
Offer
We present concrete terms in writing. No hidden costs. You have time to think it over.
Transfer
We sign the agreement and disburse the financing. Funds can reach your account the same day you sign.
300+
clients served in the last 3 years
over PLN 1 billion
in financing disbursed
48h
preliminary decision
7 days
a week, 9:00 AM–8:00 PM
FAQ
Frequently asked questions
The property stays yours. You keep living in it, renting it out, or using it as before. We only register a mortgage as collateral: an entry in the land and mortgage register that's removed once the loan is fully repaid.
Yes. A poor BIK record, tax arrears or enforcement proceedings aren't automatic disqualifiers. What matters most is the LTV ratio and the value of the property. If the collateral covers the risk, we can move forward.
A preliminary decision usually comes within a few business days. The whole process, from first contact to payout, takes 2–4 weeks. The timeline depends on appraiser availability and the notary appointment.
We don't report to BIK. The mortgage is entered in the property's land and mortgage register (a legal requirement), but the loan itself remains a private agreement. It doesn't appear in public debt registers.
Yes. Early repayment is possible and agreed individually when signing the contract. Once repaid, the mortgage entry is removed from the register.
- Financing amount
- Purpose of the loan
- Type of collateral
- Estimated property value
- Appraisal report or photos of the property
- Repayment method
- Preferred repayment period
Yes. We work remotely with clients across Poland. Most of the process happens online. If a notary visit is needed, we arrange it at a location convenient for the client.
Financial knowledge
We help and educate on finance
Articles written by practitioners, not copywriters. Practical knowledge you can apply in your business.
Loans secured by real estate
Private loan secured by real estate vs. a bank loan: key differences
A bank requires steady income and a good credit history. A private loan secured by real estate works differently. Find out what that means in practice.
Read →Loans secured by real estate
What is LTV and how does it affect your loan terms?
Loan-to-Value is the ratio of the loan amount to the property's value. We explain how to calculate it and what it means for your financing terms.
Read →Loans secured by real estate
When is a private loan a better choice than a bank?
A fast decision, no BIK check, a flexible repayment structure. There are situations where a private loan secured by real estate beats a bank loan.
Read →Developers
Bridge loan for developers: how does it work?
Buying land before the bank approves your development loan? A mortgage-secured bridge loan lets you act right away.
Read →Developers
Financing a special-purpose vehicle (SPV): what to know before signing
An SPV with no credit history is a problem for the bank. Not for us. We explain how we structure this kind of financing.
Read →Developers
Bank turned down your development loan? What now
Scoring models, an SPV's track record, pre-sale ratios — the bank sets conditions that are impossible to meet. See what alternatives you have.
Read →Farmers
Loan secured by farmland: how it works and what to know
Farmland comes with specific legal restrictions (KOWR, the agricultural land structure act). We explain how to navigate them legally.
Read →Farmers
Bridge financing before a PROW / KPO grant
The grant is paid out after the investment is completed. How do you fund the project before the EU money reaches your account?
Read →Farmers
How to transfer a farm and pay off co-heirs
Inheriting a large farm but have co-heirs? A loan secured by real estate can help keep the land in the family.
Read →Contract-based
Payment gridlock: how to prevent it and what to do when it happens
One late-paying counterparty can shake an entire business. See what legal and financial tools you have.
Read →Contract-based
Losing liquidity in the off-season: how to survive the slowdown
Seasonality is the bane of construction, tourism and agriculture. How to plan financing so your business doesn't stall in the off-season.
Read →Contract-based
How to manage cash flow in a small business: 7 practical rules
Liquidity is a matter of life and death for a small business. Learn seven rules that will help you keep control of your cash flow.
Read →Factoring
What is factoring, and when is it worth using?
A business sells its receivables to a factor in exchange for immediate cash. Find out when this solution makes sense for your business.
Read →Factoring
Disclosed vs. undisclosed factoring: which to choose and why?
The difference is fundamental: in one, your counterparty knows about the assignment, in the other they don't. See which model fits your situation.
Read →Factoring
How factoring helps you negotiate better prices with suppliers
Paying in cash instead of on credit terms can get you a 2–5% discount from suppliers. If the factoring fee is lower than that discount, factoring effectively costs nothing.
Read →Leasing
Leasing without creditworthiness: is it possible?
Bank turned down your leasing application over BIK or a short track record? See how alternative leasing works and who it's for.
Read →Leasing
Operating or finance lease: which should your business choose?
The difference lies in cost, ownership of the asset, and tax deductions. We compare both forms step by step.
Read →Leasing
Is sale-and-leaseback safe? Risks and safeguards
You sell a machine and buy it back in installments. Cash in hand, the machine stays in your business. See what to know before you sign.
Read →Financial basics
How to manage cash flow in a small business: 7 practical rules
Liquidity is a matter of life and death for a small business. Learn seven rules that will help you keep control of your cash flow.
Read →Financial basics
Payment gridlock: how to prevent it and what to do when it happens
One late-paying counterparty can shake an entire business. See what legal and financial tools you have.
Read →Financial basics
When is it worth refinancing a loan? A cost-benefit analysis
Refinancing isn't just about a lower interest rate. We explain when switching financing makes sense, and when the costs outweigh the benefit.
Read →What are you looking for?
