IBI Polska

According to our company’s policy, a loan can be obtained by any active / operating company / company / enterprise with a loss on business and/or with a negative credit history/ liabilities.

We analyze financial documents with a minimum duration of 6 months. An important aspect when making a decision to grant a loan is the type and value of the collateral provided. In the process of analyzing the application, we take into account both the company’s business profile and its financial result. Each decision is made on the basis of a detailed analysis of the client’s profile – loss of business activity does not automatically reject the application.

The obtained loan may be used to repay existing liabilities and receivables – by refinancing them, satisfying existing creditors.

Pursuant to the application’s processing, the analysis provides financial data from the last 6 – 24 months of operation, such as: revenue, profit / loss, in individual periods based on the provided financial documents.

A detailed list of documents that the client should provide can be found in the attached preliminary loan application.

Yes, depending on the amount of current / overdue liabilities.

Our standard offer includes loans in the amount from PLN 100,000.

Depending on the type of business, company profile, collateral provided, the maximum loan amount is PLN 5,000,000.

As security for the loan, we accept only real estate indicated by the entrepreneur / company that has a land and mortgage register, such as:

– flats / apartments,

– houses,

– commercial premises,

– other construction / industrial facilities.

The real estate securing the loan is not required to be owned by the borrower, it may belong to another person.

We do not grant loans against:

– building / industrial plots

– agricultural land.

The calculation method the property’s value depends on the property’s type, location and the loan amount.

In the case of flats / apartments, we use the AVM model (an automatic valuation model that enables property valuation using mathematical modeling and a database of real estate transactions and a database of offer and transaction prices), which reduces significantly the time for submitting an offer / approval of the application.

Houses, commercial premises – the value is usually estimated on the basis of expert opinions and appraisal reports prepared by the Property Appraisers cooperating with us.

We also accept valuations / appraisals held by the client, made by Property Appraisers, not older than 12 months.

The loan can be used for any purpose related to the conducted business activity, e.g. covering the company’s current expenses, purchasing working capital, refinancing liabilities or current loans.

The interest rate on the loan is in accordance with applicable law (currently on 02.2021 it is 7.2%).

Additional fees related to the commission for granting the loan, administrative costs are presented each time in the offer.

These usually range from 12% of the loan value upwards, depending on the amount and duration of the loan, financial results and provided collateral.

IBI Polska Secured Funding sp. o.o. is not obliged to inform the Client of the reason for the rejection of the application. It may, however, condition its approval by providing additional security.

• Name, tax identification number and legal form of the entity

• Financial documents from the past 2 years (2019 and 2020) – KPIR / RZIS

• The requested loan amount• The full address and mortgage register of the property proposed as security and the estimated value

• Customer’s consent to the processing of personal data

The Notarial Deed is signed by the Borrower, the property owner and the representative of IBI Polska Secured Funding Sp zo.o.

The time and place of signing the act is any time concluded with the client.

A draft of a notarial deed, which is a loan agreement, is included in the appendix.

Yes, we enter them in the first place on the mortgage – if the collateral is one real estate.

If more than one property is the collateral, then it is possible to enter it in the second position.

If the loan is used to refinance an obligation included in the land and mortgage register, it is necessary to obtain a commitment to delete the entry from the entity / person entered therein.

Yes, the real estate securing the loan must have a valid insurance policy assigned to  IBI Polska Secured Funding sp. o.o.  for the entire duration of the loan.

The model for the assignment of rights under the policy can be found in the appendix.

The payment of funds takes place immediately after signing the notarial deed and after providing the assignment of rights under the property insurance policy.

The repayment schedule is always attached to the offer. Usually, only interest and part of the commission are repaid monthly – this amount is agreed with each separate borrower, and the remaining amount is repaid on a fixed date.

Yes, it is possible. After reporting the willingness to repay, the borrower receives information about the exact amount remaining to be repaid.

Yes, the loan period may be extended up to 12 months, but it depends on the cooperation history with the borrower up to that time. This fact should be reported 60 days before the loan repayment date.

Interest payment dates are the 10th, 20th and 30th (for February 28) days of the month.

The date of interest repayment is agreed with every borrower separately.

Cooperation between the Intermediary and IBI is based on the concluded agreement, the example of which is presented in the appendix.