A loan secured by real estate,
when the bank says no.
An investment opportunity, cash-flow problems, paying off other debt, need to refinance?
A loan secured by real estate. Not a bank loan, not a payday loan.
Do you have a business or personal property, an apartment, house, plot of land, commercial unit, and your business needs cash? We register a mortgage as collateral and pay out the money. That's it. We don't assess you the way a bank does. We assess the value of the property and your repayment plan. This loan is exclusively for businesses: sole proprietorships (JDG) and companies. We do not provide mortgage loans or consumer loans to private individuals unconnected with any business activity.
The property stays yours the whole time. You can live in it, rent it out, or run your business from it. The mortgage is just an entry in the land and mortgage register that disappears once the loan is repaid.
A bad credit history, arrears or entries in BIK (the Polish credit bureau) don't disqualify you. What matters is the property's value and the LTV ratio.
A preliminary decision within days, payout in 2 to 4 weeks. A bank processes an application for months, if it considers it at all.
A loan secured by real estate is for you if…
- You run a business and the bank turned down your business loan
- Time matters to you
- You have a property with no mortgage (or only a small one) and need cash fast
- You run a business with irregular income: seasonality, contracts, dividends
- You want to consolidate several debts into one
- You have urgent obligations: tax arrears, paying off a business partner, a contractual penalty
- You want to free up capital tied up in real estate for any business purpose, without involving a bank
The collateral can be an apartment, a house or a plot of land. Check the details for your property type.
From first contact to cash in your account
The whole process is transparent. You know the terms before you sign anything.
Call or write to us. Tell us about your situation: amount, property, purpose, timeline. A preliminary assessment right during the call.
We order or verify an appraisal report. Based on it, we determine the LTV and the maximum loan amount.
You get an offer with the amount, fee and repayment schedule. Zero surprises at the notary's office.
The loan agreement and mortgage are formalized as a notarial deed. The property stays yours, only the mortgage appears in the register.
Money in your account. You repay according to the schedule. Once repaid, the mortgage is removed from the register.
Why a loan secured by real estate instead of a bank?
Speed
A bank: 2 to 4 months of loan processing. Us: a decision within days, payout in 2 to 4 weeks. Time has value, especially when the matter is urgent.
Flexibility
Seasonal income, poor BIK, age, a difficult situation in the company, tax or social security arrears, an unusual legal situation: a bank sees a problem, we see a solution. We assess every case individually.
Discretion
We don't report to BIK. The loan agreement is a private document. Employees don't know, the bank doesn't know. The only trace is the mortgage entry in the register, which disappears once repaid.
Transparent terms
You'll receive the financing terms, with the amount, interest rate, fee and schedule, before you sign anything. No hidden fees, no surprises.
The property stays yours
You live in it, rent it out, run your business from it. The mortgage is just a security entry. We don't take the property, we don't take ownership.
What it looks like in practice
Every situation is different. Below are a few cases from our practice (details changed for discretion).
Construction company, social security arrears
Situation: A company with many years of experience. Social security (ZUS) arrears blocked access to credit and tenders.
Solution: A loan of PLN 900,000 secured by a mortgage on the company's property (valued at PLN 2.2 million). Arrears paid off, the company returned to tenders.
Marketing agency, irregular income
Situation: Income between PLN 8,000 and 30,000 a month. The bank refused due to lack of a stable tax return.
Solution: A loan of PLN 400,000 secured by a mortgage on an apartment (PLN 1.2 million) for 24 months. Repaid early after signing a large contract.
Transport company, urgent leasing repayment
Situation: A fleet of 12 vehicles. One contract was cancelled, leaving no liquidity for leasing installments.
Solution: A loan of PLN 600,000 secured by a commercial unit (PLN 1.8 million). The leasing was repaid, the company kept its entire fleet.
Company debt consolidation
Situation: 5 business loans and 2 leases. Combined monthly payments of PLN 18,000, an unmortgaged office property (PLN 3 million).
Solution: A loan of PLN 1.1 million, one installment of PLN 7,200. Savings of PLN 10,800 a month.
Agricultural business, purchase of a neighboring plot
Situation: An adjacent 80-hectare plot went up for sale. Bank: 3 months of analysis. The opportunity couldn't wait.
Solution: A loan secured by a mortgage on the owned land, decision within 6 business days. The plot was purchased, the bank refinanced after 4 months.
Sole proprietorship, paying off a partner when dissolving a company
Situation: Dissolution of a civil law partnership. The partner demanded immediate repayment of a PLN 500,000 share.
Solution: A loan secured by the business property, granted within 10 days. The company was dissolved without court proceedings.
Frequently asked questions about a loan secured by real estate
No. Our offer is aimed exclusively at businesses: sole proprietorships and companies. We do not provide mortgage loans or consumer loans to private individuals.
The property stays yours. You live in it, rent it out or use it as before. We only register a mortgage as collateral: an entry in the land and mortgage register that disappears once fully repaid.
A preliminary decision usually comes within a few business days. The whole process, from first contact to payout, takes 2 to 4 weeks. The timeline depends on appraiser availability and the notary appointment.
Yes. Poor BIK history, tax arrears or enforcement proceedings aren't an automatic obstacle. What matters most is the LTV ratio and the property's value. If the collateral covers the risk, we can move forward.
Yes. Early repayment is possible and agreed individually when signing the contract. Once repaid, the mortgage is removed from the register.
Have a property?
We have the money.
We serve all of Poland. Minimum PLN 100,000.
Loan secured by real estate
Fill out the form. We'll get back to you within 24 business hours.
You can also call: +48 727 941 789 or write to biuro@pozabankiem.pl
