Alpha Credit’s credit offer is aimed solely at entrepreneurs. It does not matter what form your business takes, whether you are a sole trader or a large limited company.
We offer non-bank loans against the pledge of real estate: business premises, residential premises, commercial properties or plots – without verification with BIK. We also honour pledges on shares, company shares or other assets. We consider all non-standard solutions that can guarantee repayment.
We don’t judge. We help you deal with any situation, even the very difficult ones. We understand that you need financial support to fix your financial situation or make an urgent investment.
We are there where a bank is not able to understand your individual situation quickly or flexibly enough and give you a loan.
We help you implement your business decisions and sustainably take care of your liquidity.
Simplified rules, speed of decision-making and security make our offer the one for you.
Loan for companies
Non-banking loan against collateral
This is cash that you will receive in as little as 24 hours after submitting your documents. The standard security for a loan is real estate, but we also honour as additional security: a pledge on shares, company assets or company shares. We consider all non-standard solutions that can provide a guarantee.
Parameters of a loan against property:
- period from 3 months to 3 years,
- amount from PLN 50,000 to PLN 2,000,0000,
- up to 60% of the property value,
- every month you pay only the interest, the possibility of capital deferral,
- we pay off bailiffs, arrears in ZUS and US,
- we do not require certificates from ZUS and US,
- decision within 24 hours,
- minimum formalities.
Bridge loan
If you have an urgent investment and you need it quickly in order to make a profit or not to lose your deposit, and you have run out of your own funds, Alpha Credit is ready to make up this missing contribution. We will provide you with a non-bank loan, which you will be able to pay back once your investment project is closed, or you can quietly refinance it with a loan from a bank that needs more time to analyse your credit application.
Parameters of a loan against property:
- period from 3 months to 3 years,
- amount from PLN 50,000 to PLN 2,000,0000,
- up to 60% of the property value,
- every month you pay only the interest, the possibility of capital deferral,
- we pay off bailiffs, arrears in ZUS and US,
- we do not require certificates from ZUS and US,
- decision within 24 hours,
- minimum formalities.
Investment loan
If you have an urgent investment and you need it quickly in order to make a profit or not to lose your deposit, and you have run out of your own funds, Alpha Credit is ready to make up this missing contribution. We will provide you with a non-bank loan, which you will be able to pay back once your investment project is closed, or you can quietly refinance it with a loan from a bank that needs more time to analyse your credit application.
Loan Parameters:
- Secured by Real Estate or Company Shares,
- period from 3 months to 3 years,
- amount from PLN 50,000 to PLN 2,000,0000,
- up to 60% of the property value,
- every month you pay only the interest, the possibility of capital deferral,
- we pay off bailiffs, arrears in ZUS and US,
- we do not require certificates from ZUS and US,
- decision within 24 hours,
- minimum formalities.
Consolidation Loan
This proposal is for everyone who wants to organize their multiple obligations into one favorable loan. We encounter various problems and understand that you may have arrears with ZUS or the Tax Office, unpaid credit liabilities, or overdue rent payments. We know how to avoid foreclosure and satisfy creditors’ claims. We will find a way to resolve your situation, pay off your obligations, and present a reasonable loan repayment schedule.
Parameters of a loan against property:
- period from 3 months to 3 years,
- amount from PLN 50,000 to PLN 2,000,0000,
- up to 60% of the property value,
- every month you pay only the interest, the possibility of capital deferral,
- we pay off bailiffs, arrears in ZUS and US,
- we do not require certificates from ZUS and US,
- decision within 24 hours,
- minimum formalities.
Factoring
This is the solution to maintain financial liquidity and maximize your company’s results. It is dedicated to everyone who issues invoices with deferred payment terms. Delinquent payers delaying their dues paralyze the company’s operations, and constant reminders for payment ruin relationships.
By signing such an agreement with us, you receive cash on the spot, freeing your company from payment bottlenecks.
We offer factoring services, taking on the risk of settlements and debt collection.
Reverse Real Estate Leasing
This is an excellent alternative to a loan and a simple way to release money from your assets. We will buy your property or land, simultaneously signing a lease agreement for a planned period. By selling your property, you continue to be its sole user and gain previously frozen funds.
This transaction allows for the elimination of financial burdens, business development, equipment purchase, or another investment without the need for a loan or credit.
This form of leasing provides tax benefits, as expenses incurred for lease repayment can be included in costs and deducted from income tax.
Loan Offer Parameters:
Borrower – Small and Medium Entrepreneurs.
Loan Purpose – Related to the borrower’s business activities.
Loan Amount – From 100,000 PLN to 1,000,000 PLN.
Loan Term – From 6 to 12 months, with the possibility of extension to 24 months.
Borrowers – Entrepreneurs who meet at least one of the following criteria:
- Seeking financing in a very short term,
- Limited creditworthiness,
- Seasonally non-credit industries,
- Seeking opportunities (purchases from receivership, spot transactions),
- With complicated credit histories,
Loan Collateral:
- Apartments
- Houses
- Office buildings
- Commercial buildings
- Tenement houses
- Agricultural land over 10 ha
- Building and investment plots
- Mortgage on real estate
- Property insurance policy assignment
- Personal guarantees
- Declaration of submission to enforcement
We do not provide loans for:
- Palaces for renovation,
- Mines and hotels,
- Building land outside large agglomerations,
- Recreational plots and houses in less popular locations,
- Agricultural land with an area below 10 ha.
Preferred Collateral Locations:
Polish cities with over 50,000 inhabitants and the following resorts:
Mountains: Szklarska Poręba, Karpacz, Swieradów Zdrój, Duszniki Zdrój, Zieleniec, Łądek Zdrój, Ustroń, Wisła, Szczyrk, Niedzica, Czorsztyn, Szczawnica, Piwniczna Zdrój, Krynica Zdrój, Muszyna, Poronin, Bukowina Tatrzańska, Zakopane
Sea: Świnoujście, Międzyzdroje, Dźwinów, Rewal, Ustronie Morskie, Mielno, Darłowo, Ustka, Łeba, Karwia, Cały płw. Helski, Krynica Morska, Kołobrzeg
Lakes: Węgorzewo, Giżycko, Mrągowo, Mikołajki, Pisz, Ruciane Nida, Olecko, Augustów