Frequently asked questions

Flats, houses, commercial units, building plots, farmland (subject to agricultural law and KOWR). The property must have an established land and mortgage register. We don't accept properties already encumbered by a mortgage that exhausts the property's value.

LTV (Loan to Value) is the ratio of the loan amount to the property's value. The lower the LTV, the lower the risk and the better the terms. The maximum LTV on our loans is usually 70%, meaning for a property worth PLN 1 million we can lend up to PLN 700,000.

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 document and doesn't appear in public debt registers.

A preliminary decision takes a few business days. The whole process, from first contact to payout, usually takes 2–4 weeks, depending on appraiser availability and the notary appointment. We work to keep things efficient and don't drag out the process unnecessarily.

Terms depend on several factors: the property's value and LTV (the lower the loan-to-value ratio, the better the rate), the financing period, the purpose of the funds, and an overall risk assessment of the transaction. You'll get exact terms in writing before you sign anything. No obligation.

Factoring isn't a loan. It doesn't increase your BIK debt record, doesn't require physical collateral, and doesn't affect your creditworthiness. The factor mainly assesses the reliability of your client, not your credit history. That makes factoring available even to businesses with a short track record or arrears.

Yes. There's no minimum time-in-business requirement for factoring. What matters is whether your clients are reliable and whether your B2B invoices carry a deferred payment term. We also work with businesses run by foreign nationals, as long as they operate in Poland.

We don't check BIK for factoring. What matters is your client's financial standing, not your credit history. For loans secured by real estate we may check BIK, but its contents aren't an automatic dealbreaker. We assess every case individually.

The cost of factoring depends on the invoice's payment term and the risk assessment of your client. You only pay for the invoices you actually finance, and the fee is set individually. Worth remembering: paying suppliers in cash from factoring proceeds can get you a 2–5% discount, which often covers the entire cost of factoring.

The basics are bank statements in PDF for the last 6 months and JPK XML files for the same period. You don't need an appraisal report or physical collateral. The whole process can be handled online.

In disclosed factoring, your client knows about the assignment of receivables and pays directly into the factor's account. In undisclosed factoring, your client doesn't know about the arrangement: they pay you as usual, and you settle with the factor. Undisclosed factoring is popular when discretion matters, or when your contracts with clients prohibit assignment.

We don't finance with factoring: agriculture (we have a separate product for farmers), consignment sales, or complex construction projects with an extensive network of subcontractors. Invoices need to be B2B (not B2C), and your clients need an ongoing relationship with your business. Before signing a contract we also check that agreements with your clients don't prohibit assignment. If you're not sure about your industry, give us a call and we'll assess it individually.

Yes. We have experience financing agricultural property, including within the restrictions arising from the Agricultural Land Structure Act and KOWR's right of first refusal. Every case requires individual legal review.

Yes. We understand the specifics of farming: seasonal income, variability due to weather conditions, EU subsidies. We can adjust the repayment schedule to match the farm's production cycle.

We aim contract-based financing mainly at construction, IT, service, and manufacturing businesses fulfilling contracts for public institutions or large private entities. The contract must be signed and clearly define the payment terms.

Yes: a contract with a municipality, hospital, state-owned company, or budgetary unit is viewed by us as strong collateral, since the risk of the client defaulting is minimal. We also finance private contracts, but they require additional review of the client's reliability. A preliminary decision comes within a few business days.

The financing amount depends on the contract's value and its execution timeline. We finance both smaller jobs (from tens of thousands of zlotys) and multi-million-zloty infrastructure contracts. A preliminary decision comes within a few business days of receiving the documents.

We finance production machinery and equipment, heavy-duty and specialized vehicles, construction equipment, technology lines, and commercial buildings. We accept both new and used items, up to 15 years old for used equipment. The minimum amount is PLN 100,000.

Sale-and-leaseback involves selling a machine or vehicle you own to a leasing company and immediately leasing it back. You get cash from the asset's value, and the equipment keeps working in your facility. It's a safe instrument when done properly: valuation at market value, an installment matched to your cash flow, and a genuine business rationale. More details in the article Is sale-and-leaseback safe?

Yes. Entries in BIK or KRD don't automatically disqualify you. We assess the value of the leased asset and the business's current situation. If the asset has real market value and the business can handle the installment, we can move forward. Every case requires individual review.