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Lawyer, Doctor of Laws, recognized media expert on legal issues, legal adviser to famous politicians and businessmen.
LOAN FOR BUSINESS IN POLAND
Financial support programs for business in Poland
Young companies that have been operating for at least a year and have transparent income in accordance with a clear business plan can receive credit at the level of 6.5 percent.
Businessmen who registered a company in Poland and became EU members have the right to apply for financing from other EU member states.
The Polish authorities aim to help Polish business interact with European institutions, which constantly allocate grants, grants and other non-refundable financial assistance to Polish business.
In recent years, Polish business has received about 82.5 billion euros from the funds of the European Union, in particular in such areas as motor transport and logistics, strata and innovative technologies, eco-safety, green technologies and energy, digitization of government processes, etc.
Lending in Poland
A number of banks in Poland support Ukrainian-Polish business and offer loans in UAH, USD and EUR, as well as lending in Polish zlotys on favorable terms. Credit offers are part of an extended program of support for Ukrainian-Polish business.
Obtaining an overdraft in Poland is a business loan that allows you to finance expenses in an amount that exceeds the balance on the current account, within the set limit. It is possible to issue an overdraft without collateral and against the security of goods in circulation.
Getting a loan to replenish working capital (current needs) will solve your urgent need for funds, if you need to pay bills, buy raw materials, pay wages, while not withdrawing money from circulation.
Getting an investment loan in Poland is a long-term loan to finance your projects.
Assistance in obtaining a loan for:
- purchase of real estate (house, apartment, other buildings) on the secondary market;
- purchase of land for construction;
- purchase of business equipment;
- other investment projects.
In order to get financing or a loan in Poland, it is very important to have a reliable partner who can select funds, prepare applications for financing, substantiate estimates: help work out effective business models, etc.
Our services are priced from 200 euros per consultation and subsequent support.
Calculate the cost of services
1 question
Are you currently in Ukraine?
2 question
Are you currently in Poland?
3 question
Have you already chosen a bank in which you need legal support for obtaining a loan?
4 question
Is the amount of the loan that you plan to receive more than 500,000 euros?
5 question
Do you need a consultation urgently?
How long does company registration take?
If the remote S24 system with standard articles of association is used, the procedure for entering the company in the register takes from 1 to 7 business days. If the business requires individually drafted articles of association, the process is completed through a Polish notary and takes from 14 to 21 days. Additional time will be required to open a bank account, depending on how quickly banking compliance is completed.
Which is better for a foreigner: JDG or Sp. z o.o.?
Individual business activity (JDG) is primarily suitable for freelancers, but it has two critical disadvantages: unlimited financial liability with all personal assets and high monthly ZUS contributions (more than PLN 2,350 per month in 2026). An Sp. z o.o. protects personal assets (liability is limited to capital starting from PLN 5,000) and allows ZUS contributions to be completely avoided if the company has two or more founders.
Is it necessary to immediately deposit the PLN 5,000 share capital into an account?
No. Under Polish law, during registration it is sufficient to provide an electronic declaration of the management board confirming that the minimum share capital (PLN 5,000) has been fully formed and contributed by the founders. There is no requirement to freeze the funds in a special bank account before company registration.
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