Mortgage loan for business development - up to PLN 10 million

Up to PLN 10 million

renewable
funding limit

from 1.5%

monthly commission
calculated in arrears

up to 48 hours

wait time
decision

Mortgage loan for companies step by step

Is your company facing a unique opportunity, but you lack the resources to take advantage of it?

Find out how simple it can be to get the funds you need to grow your business.

Order a consultation with a PragmaGO expert – together we will choose the best solution for your company.

Apply for a mortgage loan. We will use it to assess your creditworthiness and propose financing terms.

Sign the contract – online (an electronic signature is sufficient) or traditionally – in the presence of a courier.

Receive funds – the money will go directly to your company account. You can use it for any business purpose.

Request a free consultation

Mortgage loan in a nutshell

Up to 360 days to repay the loan

We will set the final repayment date together – to give you exactly the time you need.

Free early repayment

You can repay the mortgage loan at any time without incurring additional costs.

During the term of the contract, it costs nothing to access the limit

We do not charge a fee for maintaining the limit. You only pay for the portion of it that you actually use.

Low initial fee

The upfront fee is only 0.5% to keep you running unencumbered.

Who can benefit from a mortgage loan?

A mortgage loan with in-kind collateral is a way to quickly raise funds for business development. It is a particularly attractive form of financing for sports clubs, importers and developers.

Your company has been in business for at least 24 months

you plan to spend the loan funds for a purpose other than the purchase of fixed assets (except in the development industry)

in rem collateral (real estate) is not on the exclusion list

Questions and answers

What documents should be prepared for the application?

When applying for a mortgage loan, be prepared:

current financial statements,
Bank statements for the last 6 months in .pdf format,
JPK_VAT files for the last 6 months in .xml format,
security proposal with an appraisal issued no earlier than 6 months before the date of application.

Remember, too, that we will need to check your company with the BIK – we will ask for your permission for verification before we establish cooperation.

What determines how much of a mortgage loan you can get?

When is it not possible to get a mortgage loan?

While we try to make our services as accessible as possible, we cannot provide financing to everyone. A mortgage loan cannot be used by companies that:

operate in the market for less than 24 months,
want to purchase fixed assets – here the exception is the development industry,
They want to pay off cheaper debt financing in this way,
want to use the funds raised to pay off public-private arrears.

What in-kind collateral is excluded?

We do not allow you to secure a mortgage loan with:

agricultural and forestry properties,
wooden properties,
castles, palaces, mansions, forts and other properties listed in the register of monuments or under the supervision of the conservator,
power plants and solar farms,
Windmills and wind power plants,
Plots without development conditions or not covered by the Municipal Land Use Plan,
Sawmills, mines, gravel pits, sand pits, quarries, etc.

What are the costs of a mortgage loan?

The amount of the commission is determined on a case-by-case basis based on risk, with the rate starting at 1.5% per month of the loan.

In addition, the user of the service pays an initial fee (preparatory commission), the amount of which starts at 0.5% of the amount of the granted limit and is also determined individually.

It doesn’t cost anything to repay the loan early – those using a mortgage loan can pay it off in full at any time during the contract.

The granted limit is not the amount of the loan – you can use any part of the granted limit, and it is on the used amount that we will charge the commission. So if we grant your company a limit of PLN 2,000,000, and you use only PLN 500,000, we will charge a commission on the amount of PLN 500,000.

Can I change the limit during the contract?

How do I pay off my mortgage loan?

Where will the entry appear in the Land and Mortgage Register of the property securing the loan?