Who PozaBankiem doesn't work with
We value your time. That's why we say plainly who we work with and who we don't. This page exists so you don't waste time on a conversation that won't go anywhere.
When you're better off looking for another partner
We don't work with everyone. And that's OK. Below are specific situations where we'd advise you to look for an alternative.
If you don't run a business
We don't work with people who are exclusively salaried employees. Our products, factoring, loans secured by real estate, alternative leasing, are built for business owners: sole proprietorships, companies, farmers and developers.
If you can get a bank loan
You have stable income, a good credit history, and time to spare? Just go to a bank. A bank loan will be cheaper than our products. We work with clients the bank has turned down, or who care more about speed than price.
If you need very small amounts
We start factoring from invoice volumes of a few thousand zlotys a month. Loans secured by real estate start at PLN 100,000. If you need PLN 5,000–20,000 for day-to-day expenses, we're the wrong address: the cost of servicing it would be out of proportion to the amount.
If you're looking for speculative financing
We don't lend for high-risk investments, cryptocurrency trading, sports betting or other speculative ventures. Our products are built for businesses with real revenue, secured by real estate.
If the property has serious legal defects
An unresolved legal status (no land and mortgage register, inheritance disputes, unsettled joint ownership) makes it impossible to register a mortgage. In such cases we won't be able to help. It's worth sorting out the legal status before you get in touch.
If you expect financing immediately, the same day
We're faster than a bank, but we don't work instantly. Factoring: usually 24 hours from submitting the invoice. A loan secured by real estate: at least a few weeks (valuation, notary). If you need money by lunchtime today, we're the wrong address.
If you're looking only for the lowest possible price
Our services cost more than a bank loan, because we offer speed, flexibility, and availability when the bank says no. If your only criterion is the lowest price, a bank or a credit union will be a better choice, as long as you meet their requirements.
