Capital for your investment, when the bank makes you wait months
Private development loans secured by a mortgage: land, construction, bridge financing, refinancing.
Private development financing. Where the bank stops.
A bank lends against finished projects: complete documentation, a building permit, a balance sheet showing a profit, at least 2 years of company history. If anything is missing, it refuses. We finance the stages and situations that fall outside the bank's template.
The collateral is a mortgage on real estate: land, a building under construction, a commercial unit. We don't ask about BIK (the Polish credit bureau), and we don't require a full balance sheet. What matters is the property's value and how realistic the project is.
A bank needs 3 to 6 months to analyze a loan application. We work efficiently and without unnecessary stages.
Land purchase, bridge financing, capital top-up during construction, refinancing. We can step in at any stage.
A special-purpose vehicle set up for the project has no BIK history or balance sheet. That's a problem for a bank. For us, the property's value is enough.
We finance projects the bank rejects or drags out
- You're buying land for an investment, but the bank won't finance the land alone without a building permit
- You need bridge financing: land bought with your own funds, the development loan not yet ready
- Construction is under way, the contractor is waiting to be paid, and the bank processes the next tranches for weeks
- Your special-purpose vehicle is new: no credit history, no balance sheet, and the bank refuses despite a solid project
- You have an urgent obligation on the project: a contractual penalty, paying off a partner, a special-purpose vehicle's tax arrears
- You need to move fast: there's an opportunity on a property, the bank won't make it in time, we will
From conversation to payout. Concrete and without unnecessary formalities.
We know that in investments, time is money. Our process is designed so you don't lose it unnecessarily.
You tell us about the project: amount, property, purpose, timeline. A preliminary feasibility assessment right during the call.
We order or verify an appraisal report. We analyze the project, the LTV, and the repayment plan.
Once we have complete documents, we send terms with the amount, fee and schedule. Zero surprises at the notary's office.
The loan agreement and mortgage are formalized as a notarial deed. We work with law firms across Poland.
Once the deed is signed, funds reach your account. You carry out the investment. You repay once the project is complete, or refinance with a bank.
What sets us apart from a bank
Speed of decision
A bank: 3 to 6 months of analysis. We work efficiently and without unnecessary stages.
Flexible approach
A new special-purpose vehicle with no balance sheet, land without a permit, a project in a difficult location. For us, these aren't reasons to refuse. We analyze every project individually.
Transparent terms
Full financing terms in writing before you sign anything. Amount, interest rate, fee, schedule, early repayment terms. No surprises at the notary's office.
Every stage
Land purchase, bridge financing, capital top-up during construction, refinancing before sale. We step in at the stage where the bank won't or can't make it in time.
Real estate experience
We work with development companies every day. We understand their needs and challenges.
Three scenarios we help with most often
Every investment is different. We match the financing structure to your stage and needs.
Land purchase
A bank won't finance land without a building permit. We lend against a mortgage on the land itself: you buy, finalize the project, then refinance with a development bank.
- Land without a permit: OK
- Farmland and conversions: OK
- Speed for market opportunities
Bridge loan
You bought land with your own funds or earlier financing. The development loan isn't ready yet, or the bank is dragging it out. We pay out funds quickly, so you can refinance calmly.
- Unlocking invested capital
- Time to finalize bank financing
Capital top-up
Construction is under way, the contractor requires payment, the bank is dragging out a tranche, or an unforeseen cost appears. We step in quickly, letting you finish the project without stopping construction.
- Collateral on the building under construction
- We don't block further bank financing
Frequently asked questions from developers
Yes, we finance the purchase of land without a permit, secured by a mortgage on that land. We don't require complete design documentation. We assess the property's market value and the investment plan.
Yes. Special-purpose vehicles set up for a project don't have a balance sheet or history. That's standard in development investments. We assess the property's value, the project plan and the management's experience, not the company's history.
Yes, in some cases we can step in as a second mortgage creditor or, if the property's value allows, finance the repayment of the previous creditor and register a first-ranking mortgage.
We order or verify an appraisal report that accounts for the value of the land and the construction work completed so far. The appraiser carries out the valuation based on the investment's stage of progress, usually within 3 to 5 business days.
Have a project?
We have the financing.
We serve all of Poland. Minimum PLN 1,000,000.
Ask about development financing
Fill out the form. We'll get back to you within 24 hours.
You can also call: +48 727 941 789 or write to biuro@pozabankiem.pl
