Do small businesses really need a special loan?
– According to analyses by NBP, the growth rate of loans for the SME sector is significantly lower than that for larger companies. The reasons include, among other things, difficulties related to providing collateral and assessing risk. The loan package created by Alior Bank is a solution specifically for them—small businesses that need quick access to cash. The offer is intended for companies operating on the market for at least 12 months, with annual turnover of up to PLN 5 million and no more than nine employees. Examples of such businesses include stores, small wholesalers, car repair shops, hair salons and dental practices. We also address the offer to representatives of the liberal professions—lawyers, doctors and architects.
What distinguishes Alior Bank’s offer for small businesses?
– Alior Bank’s offer combines the best features of small-business loans currently available on the market—now a loan of up to PLN 500,000 is available quickly and conveniently for the customer.
What does this mean in practice?
– Above all, no material collateral is required, even for a large loan amount. The loan can be obtained during a single meeting at a bank branch, virtually immediately. A decision is made within 30 minutes, and the funds are available in the account within one day of signing the agreement. For this reason, the loan package is an ideal solution for companies that need quick access to financing.
What loan amount can be obtained?
– A company can apply for up to half a million zlotys. Importantly, the approved amount can be freely divided among three credit products: a business loan, an overdraft facility and a credit card.
Over what period can the loan be repaid?
– The loan term can be as long as 10 years, allowing repayment to be spread out conveniently. We want small-business owners to find a solution tailored to their needs, capabilities and the scale of their business.
What can the money be used for?
– The offer gives companies the opportunity to meet various needs, even major ones. The loan can be used to finance
current operations, as well as investments, such as equipping a service premises, or refinancing a loan taken out
with another bank.
Thank you for the interview, and I invite customers to Alior Bank’s partner branches:
Bolesławiec
46 Zgorzelecka Street, 75 732 22 51
1/9 Mickiewicza Street, 75 713 70 02
