Krzysztof Buciak answers the questions, Individual Customer Specialist.
What makes Alior Bank’s business financing offer comprehensive?
- We offer business owners the Business Financial Package. As part of a single credit application and a single decision, a business owner can choose from as many as five forms of financing. The approved amount can be allocated to a working-capital loan, an investment loan, a credit card, leasing and factoring (offered at selected branches). This solution allows the customer to use the funds for various needs related to their business activity. The business owner selects only the forms of financing they need from the package.
Time is important to business owners. How long does the credit application process take?
- The customer receives a credit decision within 20 minutes of submitting the application. At the customer’s request, we can visit them so that the business owner does not have to waste time travelling to the bank. We pay the funds into the company’s account within 24 hours of signing the agreement. We can provide financing even if the business owner has no tangible collateral. The financing is secured by a Cosme guarantee or a de minimis guarantee.
How much can a company borrow?
- Micro-businesses can receive financing of up to PLN 1 million. Small businesses can apply for up to PLN 1 million at partner outlets and up to PLN 3 million at branches. Medium-sized businesses are served only at branches—the maximum financing amount is PLN 3 million. The final decision to grant financing depends on an assessment of the company’s reliability and creditworthiness.
Can all businesses take advantage of this offer?
- The Business Financial Package is available to business owners operating as sole proprietorships and to civil-law partnerships, registered partnerships, professional partnerships, limited partnerships, limited joint-stock partnerships, limited liability companies and joint-stock companies whose owners are natural persons. The company must have completed a financial year covering at least 10 months.
What documents does Alior Bank require?
- Business owners who wish to apply for financing should present at our outlet their most recent PIT 36/36L tax return, together with confirmation that it was submitted
to the Tax Office (applies to natural persons and civil-law, registered and professional partnerships), a revenue and expense ledger or a balance sheet and profit-and-loss account, and certificates confirming no arrears owed to ZUS or the Tax Office.
Thank you for the interview. I invite customers to the Alior Bank partner outlet at:
Bolesławiec
1 Mickiewicza Street
75 713 70 02
46 Zgorzelecka Street
75 732 22 51
