Business customers can choose from many offers from different banks. They most often opt for solutions that are fast, convenient and keep formalities to a minimum. Krzysztof Buciak, a business customer adviser at an Alior Bank partner branch, discusses the details of Alior Bank’s offer for micro and small businesses.
Why should an entrepreneur be interested in the Credit Package at Alior Bank? What sets this offer apart from the competition?
Alior Bank’s proposal combines the key features that entrepreneurs expect from banks today: high-quality service, flexible financing and fast processes. We can make a credit decision in as little as 30 minutes, the loan amount can be as high as PLN 600,000, and the funds are paid into the company’s account within as little as 24 hours of signing the agreement. What is more, entrepreneurs no longer need to visit a bank branch. Our banker can come to the company’s premises at a convenient time to complete the loan application and sign the agreement on a tablet. The entire process therefore takes place online and can be completed during a single visit to the customer.
What type of entrepreneurs is the business Credit Package intended for?
The offer was created for companies that need funds for day-to-day needs or want to invest in business development, have annual turnover of up to PLN 8 million and have been operating for at least 12 months. Examples include shops, small wholesalers, car repair shops, car washes, transport companies and restaurants, as well as professionals such as lawyers, doctors and architects.
You mentioned that the Credit Package is a flexible solution. What does that mean in practice?
The bank uses a simplified procedure and requires only basic financial documents from the company. The amount granted under the Credit Package can be divided among three products: Biznes Kredyt, an overdraft facility and a standard credit card or Mastercard Business LOTOS credit card. This allows customers to use the funds for various needs related to their business, such as financing investments, securing funds for day-to-day operations or even refinancing a business loan taken out with another bank. In the case of Biznes Kredyt, the repayment period can be up to 10 years, allowing entrepreneurs to spread repayments conveniently.
What is the Mastercard Business LOTOS card? How does it differ from a standard credit card?
The LOTOS card offers more than up to 57 interest-free days for cashless transactions and no commission on cashless transactions. Above all, it provides entrepreneurs—particularly motorists—with an attractive package of discounts and rebates at selected LOTOS stations. In accordance with the “Tanie Tankowanie” Promotion Rules, we offer: a 16 groszy discount on every litre of standard fuel, a 20 groszy discount on every litre of premium fuel, a 10% discount on car washes and windscreen-washer fluids, and on the Cafe Punkt food offer.
What documents are required to submit a loan application?
We have kept formalities to a minimum. All that is needed are registration documents, such as the company agreement, or an identity card if the customer is an individual running a business, as well as the PIT return for the most recently completed financial year and certificates from ZUS and the Tax Office confirming that there are no outstanding payments.
Thank you for the interview. I invite customers to the Alior Bank partner branch at:
46 Zgorzelecka Street
59-700 Bolesławiec
tel. 75 732 22 51
and
1/9 Mickiewicza Street
59-700 Bolesławiec
tel. 75 713 70 02.
