Do small businesses really need a special loan?
– According to analyses by the NBP, the growth rate of loans for the SME sector is clearly lower than in the case of 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 designed specifically for them—small businesses that need quick access to cash. The offer is aimed at companies operating on the market for at least 12 months, with annual turnover of up to PLN 5 million and employing no more than 9 people. Examples of such businesses include shops, 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 sets Alior Bank’s offer for small businesses apart?
– 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 that mean in practice?
– First of 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, practically 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 złoty. Importantly, the approved amount can be divided freely among three
credit products: Biznes Kredyt, 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?
– Thanks to the offer, companies can meet a variety of needs, even major ones. The loan can be used to finance ongoing 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 the Alior Bank partner branch:
46 Zgorzelecka Street, Bolesławiec
Tel. 75 732 22 51
