Investment loan is one of the types of credit, which allows entrepreneurs to finance projects whose aim is to increase the value of assets.

Investment loan can be used to finance the construction, expansion, improvement in capacity or commercial services, reconstruction or modernization of economic activity (eg, purchase of assets such as cars, machines, equipment and the purchase, construction, expansion and modernization of facilities associated with the economic activity), as well as the purchase of securities, patents, licenses, know-how, or even acquisition of other companies (purchase of shares). It gives entrepreneurs the opportunity to raise their competitive position without the need for investing at one time a large amounts of own funds.

The investment credit is granted mainly in the Polish currency, but very often banks offer loans to customers in foreign currencies such as Euro, U.S. dollar or Swiss franc.

The amount of the investment loan depends on many factors, direct and indirect, which includes among other things:

• rate of return on investment,
• borrower credit worthiness, 
• method of assessing credit worthiness - individual, depending on the bank, 
• possibility of negotiating terms of loan agreement - individual, depending on the bank and entrepreneur’s credibility, 
• different conditions of security for the loan - individual, depending on the bank, 
• overall situation of the financial markets, 
• exchange rate for loans in foreign currencies.

Due to the need for thorough verification of rate of return on investment and financial situation of the applicant, loan applications are very detailed, precise and complex. Professional preparation of a business plan may be particularly important for a positive decision to grant the investment loan.

Take advantage of investment opportunities provided by the investment loan. Our specialists for your company:

• will examine the possibility of obtaining an investment loan,
• prepare analysis on the most advantageous and safest solution,
• prepare the necessary documentation,
• negotiate with banks the most favorable loan.

If you are interested in obtaining an investment loan for your business, please contact us.