Articles written by practitioners. Factoring, leasing, loans secured by real estate, financing for developers and farmers, and financial basics for every business owner.
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Retention bonds, sign-off protocols, the general contractor's consent to assignment. See how factoring handles the specifics of construction.
Read →Types of non-bank loans, costs, the step-by-step process, documents, and who this solution makes sense for, and who it doesn't. The complete guide for 2026.
Read →The founding story, mission, and the people behind PozaBankiem. Who are Bartosz Kopciński and Filip Bolechowicz, and why did they start this company.
Read →A preliminary decision in 24h, funds in as little as 5 business days. We explain what speeds things up, what causes delays, and how the whole process works step by step.
Read →A document checklist for sole proprietorships, companies, and farmers. What can be substituted, what you absolutely can't skip, and how to speed up gathering everything.
Read →A realistic timeline: from first contact to disbursement. How long each stage takes, what depends on the client, and what depends on the broker and the notary.
Read →A poor BIK history doesn't rule out financing. We explain when a loan secured by real estate is available despite entries in the registers.
Read →A business sells its receivables to a factor in exchange for immediate cash. Find out when this solution makes sense for your business.
Read →The difference is fundamental: in one, your client knows about the assignment, in the other they don't. See which model fits your situation.
Read →Fees, interest, and additional charges: find out the real cost of factoring and how to compare factors' offers.
Read →Is factoring only for big businesses? No, but you need to know when the fee pays for itself. Let's work it out together.
Read →Reverse factoring flips the model: your supplier gets paid quickly, and you pay the factor on a deferred basis.
Read →A bank requires steady income and a good history. A private loan secured by real estate works differently. Find out what that means in practice.
Read →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 →Speed, no BIK check, a flexible repayment structure: there are situations where a private loan secured by real estate beats a bank loan.
Read →Buying land before the bank approves your development loan? A mortgage-secured bridge loan lets you act right away.
Read →A special-purpose vehicle with no credit history is a problem for the bank. Not for us. We explain how we structure this kind of financing.
Read →Bank refused to finance a plot without a permit? A non-bank loan secured by real estate can fund a land purchase even at an early stage.
Read →A bank refusal doesn't have to mean the end of your project. Learn the most common reasons for refusal and effective financing alternatives.
Read →The LTV ratio determines the availability of development financing. Understand how to calculate it, manage it, and improve your negotiating position.
Read →Farmland as loan collateral can unlock significant capital. KOWR, soil quality classes, LTV: we explain how it works.
Read →The grant is paid out after the investment is completed. How do you fund the project before the EU money reaches your account? A bridge loan solves that problem.
Read →When does KOWR have the right of first refusal, and when doesn't it? How does that affect financing farmland? A practical guide for farmers.
Read →When leasing isn't available and the bank says no, a loan secured by farmland can finance buying a tractor or combine harvester.
Read →How do you match a repayment schedule to the farming calendar? Lower installments in winter, higher after harvest. It's possible with a non-bank loan.
Read →You sell a machine to a leasing company and immediately lease it back. You get cash, you keep using the asset. When is this safe, and what should you watch for?
Read →The difference isn't just technical. It has real tax and balance-sheet consequences. Which model fits your business, whether a sole proprietorship or a company?
Read →Bank said no? Alternative leasing assesses the asset's value, not your BIK history. See who this option is for and how much more it costs than a bank.
Read →Your business has only been running a few months, and standard leasing says no? See what can make up for a lack of track record, and what it costs.
Read →Down payment, installment, buyout, and additional fees: see what leasing actually costs, with concrete examples.
Read →You can show a profit on paper and still go bankrupt for lack of cash. How do you manage cash flow so you can sleep at night?
Read →60% of SME invoices are paid late. One dishonest payer can shake an entire business. See how to protect yourself.
Read →Current Ratio, Quick Ratio, Cash Ratio: three numbers that show in a few minutes whether your business is financially healthy.
Read →They work in opposite directions and serve different purposes. A comparison with examples, and a tip on when to use a hybrid model.
Read →Seasonality is a natural feature of many businesses, but losing liquidity during a slump can threaten a company's survival. A practical action plan.
Read →What's the difference between revenue and income? Who pays PIT, who pays CIT? When does VAT registration pay off, and when is an exemption better? Everything you need to know in one place.
Read →Liability, taxes, ZUS contributions, credibility with banks: everything compared with concrete numbers. The break-even point and two example profiles.
Read →A financial cushion, a liquidity ratio, factoring instead of a loan: 10 concrete rules and 5 red flags you can spot in advance.
Read →Diagnosing the scale of the problem, mapping your debt, repayment priorities, negotiating with ZUS and the bank: a concrete 5-step plan with a numerical example.
Read →The official property valuation document required by the bank. What it includes, how much it costs, how long it's valid, and how to check whether it's reliable.
Read →Location, size, technical condition, floor, zoning plans: an adjustment table with an example and indicative WGN 2026 prices for 10 cities.
Read →We say we've served over 300 clients and disbursed more than PLN 1 billion in financing. We honestly explain where those numbers come from given how young the company is, and why we don't publish client reviews.
Read →Private debt is private debt financing outside the banking market. We explain what it is, who provides it, and when it's better than a bank loan.
Read →More and more businesses are bypassing banks and turning to factoring, leasing, or private loans. We explain why trust in banks is declining among business owners.
Read →What are EBITDA, Quick Ratio, Cash Ratio, and a balance sheet? We explain key financial-statement terms without the jargon.
Read →How a mortgage works as collateral, what gets entered in the land and mortgage register, and what happens if you don't repay. A complete guide.
Read →See how mortgage-secured debt consolidation works, when it's worth it, and what risks it carries. Numerical examples and savings.
Read →A loan secured by real estate carries real risk. We explain how we limit it and what we do when a client has trouble repaying.
Read →Interest rate, fee, appraisal report, notary: see what actually makes up the cost of the loan, with a concrete numerical example.
Read →Whether you risk a penalty for early repayment, how to calculate whether it pays off, and how to negotiate terms before you even sign.
Read →The Developer Act requires an escrow account for buyers' payments on flats. See how to finance a land purchase and the early stage of a project outside the bank.
Read →Does the grant cover only part of the investment, or is the payout delayed? See how a private loan bridges the gap until the subsidy is paid.
Read →The KNF register step by step, warning signs, and risky contract clauses: check the lender before you sign anything.
Read →How factoring differs from a loan secured by real estate, when to choose which option, and whether you can combine both solutions.
Read →When it's worth refinancing a non-bank loan with a cheaper bank loan, and what that process looks like step by step.
Read →An office building, warehouse, production hall, or investment land as collateral: how the valuation works, and why LTV is lower than for a flat.
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