Have a contract? Need cash now, not after the project is done?
We finance businesses that have signed contracts, agreements or orders, but wait weeks or months for the money. We turn future revenue into cash right now.
Contract-based financing. Cash before your client pays.
You won a tender. You signed an agreement with a corporation. You got an order from the city. The trouble is, delivery takes 3 months, and the first payments won't arrive for 4. In the meantime you need to hire people, buy materials, get the project moving.
A bank will ask for a track record, balance sheets and collateral you don't have, or make you wait so long you'll miss your deadline. We finance based on the contract, but we require collateral on real estate. A mortgage is mandatory. Fast, concrete, without unnecessary bureaucracy.
A signed agreement with a reliable counterparty is a signal to us that the project is real. We don't just assess you, we assess the whole transaction.
The project launch date doesn't wait for bank procedures. An efficient decision, payout right after the paperwork is done.
Past credit problems don't block financing against a good contract. We assess the project, not your credit history.
Contract-based financing is for you if…
- You're carrying out a construction contract (a build, renovation, engineering works) and need capital to start
- You provide IT, advisory or outsourcing services under a multi-month agreement with a corporation or institution
- You won a public tender: an order from a municipality, hospital, public office, or state-owned company
- You have a signed export agreement with a foreign buyer with a deferred payment term
- You're carrying out a development or infrastructure project with staged payments
- You're a subcontractor on a large construction site, the general contractor pays late, and you have to pay your own bills on time
- You need bridge financing between signing the agreement and the first tranche from the contract
From contract to cash. Fast, without unnecessary formalities.
We understand that a project's launch date is non-negotiable. Our process is built for business speed, not a bank's calendar.
You describe the contract: value, client, payment schedule, amount needed and timeline. A preliminary assessment during the call.
We analyze the agreement, the client's reliability and the payment structure. We determine the form of collateral: a mortgage, an assignment of receivables, or both.
Once we have complete documents, an efficient decision. Terms with the amount, fee and repayment schedule.
We sign the loan agreement and establish collateral. For a mortgage: a notarial deed. For an assignment: a receivables transfer agreement.
Cash reaches your account. You repay after completing the contract and receiving payment from the client. The schedule is matched to your cash flow.
What sets contract-based financing at PozaBankiem apart
We assess the project, not just the company
A new company, a short track record, BIK problems. These aren't automatic disqualifiers. If the contract is solid and the client is reliable, let's talk.
Pace matched to the market
You won the tender, the launch date is the day after tomorrow. A bank won't make it. We can. An efficient decision isn't a slogan for us, it's our standard.
Flexible repayment
Repayment after final acceptance, after tranches from the client, or a balloon payment after the project ends. We match the schedule to your contract's payment structure.
Collateral on real estate
We require a mortgage on real estate. That's a basic condition of our financing. We treat the contract as confirmation that the project is real and as a source of repayment, but it doesn't replace physical collateral.
Domestic and foreign contracts
We finance both contracts with Polish clients and export agreements with foreign buyers. We understand the payment structure in B2B and public contracts.
Transparent costs
You know the total cost of financing before you sign. Interest rate, fee, schedule. Everything spelled out, no hidden fees at payout.
The most common cases we help with
Every contract has a different structure. We tailor the financing to the specifics of your agreement and industry.
Construction and infrastructure contracts
General and subcontractors on construction, road and energy contracts. The client pays in stages or after acceptance, and you need cash to get started.
- Financing against a construction works agreement
- A loan for a subcontractor waiting on the general contractor
- Bridge financing to the first tranche from the client
Public procurement and tenders
You won a tender from a public office, hospital, municipality or state-owned company. The client is reliable, with a 30 to 90 day payment term after delivery. We finance the execution.
- A contract with a local government unit as the basis of the analysis
- Financing supplies and services for the public sector
- Repayment after payment from the order arrives
Service and IT contracts
A multi-month agreement with a corporation for outsourcing, a system rollout or advisory services. Monthly or staged pay, and you need working capital to get started.
- Financing against a framework agreement with a corporation
- IT and implementation contracts
- Advisory services and process outsourcing
Frequently asked questions about contract-based financing
Yes, for our analysis we need a signed agreement or a letter of intent with binding terms. At the tender stage we can carry out a preliminary analysis, but the financing decision comes after the contract is finalized.
Yes. A mortgage on real estate is a mandatory condition of our financing. The contract confirms the project and serves as the source of repayment for us, but it doesn't replace physical collateral. The property can be yours or a third party's, with their consent.
Yes. We treat contracts with local government units (municipalities, counties, provinces), hospitals, public offices, and state-owned companies as particularly attractive collateral. The client is reliable and payment is almost certain. That can translate into better financing terms.
We finance up to 70% of the contract's net value. The maximum amount depends on the contract's value, the client's reliability and the available collateral. For contracts secured by a mortgage, the upper limit is higher and depends on the property's value and the LTV.
The repayment schedule accounts for the client's realistic payment terms with a buffer. If delays occur on the client's side anyway, get in touch with us. We resolve situations like this without immediate collection action. Getting to full repayment is our priority, not escalation.
Have a contract?
We have the money to carry it out.
Ask about contract-based 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
