Business Loans in Poland: Compare Offers
You can now get a business loan largely online — banks offer up to PLN 1M for micro-businesses and up to PLN 5M for small companies, with a decision in as little as a few minutes. Sole traders without collateral can count on lower amounts, and young businesses can use a BGK de minimis guarantee. Compare the maximum amount, decision time and total cost before you apply.
A live overview of business financing offers from banks and partner institutions in Poland. Amounts, decision times and repayment periods come from official program descriptions — you will find the details and a representative example with each offer.
Business financing — July 2026
5 business loan and financing offers. Sorted by maximum financing amount.
Alior Bank — Financial offer
Alior Bank — see current terms and apply online.
Alior Bank — see current terms and apply online.
Alior Bank — Financial offer
Alior Bank — see current terms and apply online.
Alior Bank — see current terms and apply online.
Nest Bank — Financial offer
Nest Bank — see current terms and apply online.
Nest Bank — see current terms and apply online.
eGotówka — Financial offer
eGotówka — see current terms and apply online.
eGotówka — see current terms and apply online.
Raiffeisen Digital Bank — Financial offer
Raiffeisen Digital Bank — see current terms and apply online.
Raiffeisen Digital Bank — see current terms and apply online.
How to choose business financing
Purpose of financing
A revolving limit or working-capital loan suits day-to-day expenses, a loan with a longer repayment period suits investments, and factoring suits payment gaps.
Total cost
Compare the APR (RRSO) and the total amount repayable. A 0% commission is often offset by a higher margin — count the cost of the whole contract, not single fees.
Paperwork and timing
Online offers can pay out within 24 hours. Prepare your revenue-and-expense ledger, PIT return and business account statements — a complete set speeds up the decision.
The order follows the terms of each offer, not the partner commission. Our methodology →
* The offers presented come from partners. Amounts, decision times and repayment periods come from official partner program descriptions (as of July 2026) — “—” means a value the program description does not provide. Final financing terms are set by the contract with the bank or financial institution. kreddo.pl is an informational service and does not act as a credit intermediary.
Źródła i podstawa prawna
- 1. Banking Law Act of 29 August 1997 (Prawo bankowe) — ISAP
- 2. De minimis guarantees for micro, small and medium enterprises — Bank Gospodarstwa Krajowego
- 3. Registers of supervised entities — KNF (Polish Financial Supervision Authority)
Stan prawny i dane liczbowe zweryfikowane przez redakcję kreddo.pl. Jeśli zauważyłeś nieaktualne źródło — daj nam znać.
Frequently Asked Questions
Who can get a business loan?
Business loans are available to sole traders (JDG), micro-businesses and small companies. Banks usually require at least 6–12 months of trading history plus financial documents (revenue-and-expense ledger, PIT tax return, business account statements). Some online offers only need your NIP (tax ID) for a preliminary decision.
What documents do I need for a business loan?
Typically: your ID, registration documents (CEIDG/KRS, NIP, REGON), recent financial documents (revenue-and-expense ledger, PIT/CIT return, bank statements) and — for larger amounts — certificates confirming no arrears with ZUS (social security) and the tax office. Fully online offers often limit the paperwork to your NIP and consent to database checks.
Business loan vs. business cash loan — what is the difference?
A bank business loan (kredyt) is granted by a bank and governed by banking law, while non-bank lenders can also offer business loans (pożyczki). Non-bank loans usually mean a faster decision and less paperwork, but a higher cost. Always compare the APR (RRSO) and the total amount repayable, not just the nominal interest rate.
Can a new business with no track record get financing?
It is harder, but possible. Some banks have offers for businesses from day one (usually with lower limits), sometimes secured by a BGK de minimis guarantee. For young companies with B2B invoices, an alternative is factoring — financing issued invoices instead of a classic loan.
