A Loan For Companies Without The IDK Bank Certificates

CTI Bank for a good start of cooperation, offers the best company account with free debit up to PLN 5,000, Fair credit up to PLN 50,000 without costs at the start, the most advantageous online loan for companies without certificates from the US and ZUS, for start-up entrepreneurs, a loan for start-ups, attractive revolving and investment credit, factoring, high interest rate deposit and several other attractive banking products for companies. No. 1 in Poland. Do you have a company? Are you looking for a reliable loan? Are you trying to expand or modernize your company? Or maybe you need money for other expenses related to your business? You already know where you should apply!

CTI Bank SA is a bank that helps entrepreneurs realize their dreams of their own business. CTI Bank supports the development of small business entities: micro, small and medium enterprises. CTI Bank’s policy assumes close cooperation with each client who is under the care of highly qualified advisers.

CTI Bank prepared attractive loans for companies. Each submitted application is considered individually and as a priority it is analyzed quickly. CTI Bank flexibly adjusts the loan offer, precisely choosing a loan for the company depending on the needs and assumptions of the entrepreneur.

The most important information about loans at CTI Bank:


  • The CTI Bank offer is intended for business entities (companies, companies, shareholders of companies),
  • CTI Bank in its offer has loans from the first day of operation (most banks offer only from the internship of 12 months) and with a poor credit history (BIK C, D, No Score).
  • CTI Bank creditworthiness counts on the basis of REVENUE, REVENUE (acceptable loss of up to 10% of income) and FORECAST ,
  • CTI Bank loan offer in 5 minutes on the basis of account statements from the last 6 months and PIT,
  • CTI Bank also accepts income from other sources (full-time jobs, contracts of mandate, contracts etc.),
  • Opportunity to protect yourself against CONTRACT (only contracts with the possibility of making an assignment),
  • ELITE Special Offer – better credit conditions for ZZP clients (public trust professions: doctor, veterinarian, architect, bailiff, notary public, attorney, legal adviser, certified auditor) and for clients with BIK A and business experience of over 24 months.
  • LOAN ON STAR – financing from the first business day to 12 months; up to PLN 100,000 – without security on the assets, a loan to start with government support ; over PLN 100,000 – mortgage on real estate.

Credit for new companies

Credit for new companies

If you have opened a business – you have a company, you have a loan! The loan for new businesses is granted via the Internet, even for current financing of business operations – from the first day of its establishment. When applying for a loan for new companies, you will not need numerous ZUS and US certificates, which are required by other banks. Co-fund a new company now! CTI Bank will offer you attractive terms. External sources of business financing – a loan for new companies, it will fulfill all your needs related to running a business.


Business loan for a statement

Business loan for a statement

At CTI Bank, a loan without a certificate is granted up to PLN 200,000 – for a statement. Anyone can quickly get a loan for companies for a statement that can be used to finance innovation and implement new technologies. Flexible and individual approach to your company will ensure reliable and careful adaptation of the Bank to the complex needs and potential of your company.

What are the financial benefits of the loan for companies?

A loan for companies gives a wide range of opportunities for every entrepreneur to develop his company. All you need is a developed Clean for business development. Improve financial liquidity in the company!

Credit for unsecured companies:

  • The maximum loan amount is even PLN 3,000,000,
  • Long loan period,
  • Credit decisions are made individually,
  • The loan is granted in Zloty Polskie (PLN),
  • You can spend the money on any chosen goal,
  • Quick withdrawal – cash will be sent by bank transfer to the account indicated by you,
  • The loan may be repaid in equal or decreasing installments,
  • You will choose the day between 1 and 25 of the month you want to set as the repayment date of the installment,
  • Attractive interest rate.

Loans for companies – the best offer – a loan for companies

Loans for companies - the best offer - a loan for companies

You do not know where to get funds for the project? Browse through various forms of financing companies, small and medium enterprises and choose the best option for yourself!

Loan for companies: no certificates, no ZUS and US, investment, turnover, online

CTI Bank’s investment loan can be used for investment purposes, including purchase of machines, renovation, modernization, real estate equipment. Application and online credit decision – without the need to visit a bank branch. CTI Bank does not require any certificates from ZUS or Tax Office.

Recommendations Regarding Cash Loans At Banks

The Polish Financial Supervision Authority is an institution supervising the functioning of banks in Poland. It issues recommendations that affect, inter alia, the lending policy conducted by banking institutions. One of such recommendations, which refers to for cash loans, is the recommendation of T. How does it affect the issuance of credit decisions by banks?

Recommendations of the T P recommendation

cash loans

In 2012, the Polish Financial Supervision Authority adopted an amendment to the recommendation T. The purpose of the changes was to make the banks’ approach to the issue of retail loans more flexible. Banks must adhere to the guidelines of this recommendation, which assumed a departure from establishing by the PFSA top-down the maximum values ​​of the DtI index, ie the relation of expenses related to servicing credit obligations to average net income. Today, the bank determines which level of indebtedness of given clients may be acceptable. Previously, recommendation T stated that the installment of consumer credit, including cash, can not exceed half of the borrower’s income, or 65% of income if the borrower obtained income in an amount higher than the national average.

Loan for proof also from the bank

Loan for proof also from the bank

Currently, banks can also apply simplified rules for assessing the customer’s creditworthiness. Such rules apply to clients of banks with six-month cooperation with a bank for which the cash loan amount does not exceed 6 times the average monthly remuneration in the enterprise sector. Thanks to this, the Polish Financial Supervision Authority opened the opportunity for banks in Poland to grant so-called cash loans as proof. They are competitive in relation to quick loans granted outside the banking system by parabank institutions. Simplified rules for granting cash loans also apply to low loans, for example, not exceeding the average remuneration in the enterprise sector.

However, regardless of the amount of the cash loan, the bank should use external databases each time to assess the creditworthiness and creditworthiness of the retail client.

How To Complete A Bank Check

The check is a widespread payment instrument that allows you to regulate the transfer of money between two people, without it having to take place materially (considered, in fact, that the bearer of the check can claim the ownership of this credit instrument to be collect the same amount of money – within certain limits – or deposit it on your current account).

Of course, the check we are talking about today is purely to be understood and qualified as a ” bank check “, and not as a ” bank draft “. A difference not without consequences: let’s see which, in a brief synthetic introduction.


Bank check and bank draft

Personal Loan

The bank check is issued by the holder of a current account (or by a person with appropriate faculties) to apply to the funds present in the current account. It follows that a person can issue a check, even for amounts higher than those that are actually present in the account (overdraft), exposing – naturally – to the consequences of the case. It also follows that the one who receives the check and tries to collect it, could have the unpleasant surprise of facing an incapable credit. It is for this reason that bank checks are paid and negotiated “subject to collection”: the credit institution reserves a few days to try to understand whether the check is covered or not, debiting the same amount in the contrary hypothesis .

Very different is the case of the bank draft, which is issued on funds that are made available by the bank, at the customer’s request. In other words, when the bank draft is issued and delivered, the related funds will have already been acquired and debited. The result is a remarkable certainty of the title, compared to the banking one.


How to properly complete a bank check

Having introduced the above, we remind you first of all that in order to correctly fill out a check it is necessary to indicate:

  1. place of issue
  2. date of issue, which must correspond to the real date of the checkout (in other words, it cannot be anticipated or postponed)
  3. amount in numbers, marking the two decimals (eg € 51.20)
  4. amount in letters, separating the unit amount into letters from decimals with a bar (eg fifty-one / 20). In the hypothesis that there are no decimals, two zeros can be added after the bar and after the comma (eg 51.00 and fifty-one / 00). In this regard, it should be noted that it is sufficient to fill in the amount in letters in any European Union language
  5. beneficiary
  6. signature of traction : it is the signature of the current account holder or of a person with specific powers. In the event that the corporate signature is spent, it is necessary to affix the stamp with the company name
  7. non-transferability clause : since it is not possible to issue free checks for amounts exceeding € 1,000, it is necessary to affix the non-transferability clause on credit instruments. To avoid unpleasant consequences, the banks have checkbooks with the pre-printed clause at their disposal, and often require a specific request (with additional costs) in order to get hold of “free” checks.


What to do when you receive a check

Bank Cheque

The bank check is cashable or negotiable through the “endorsement”, or by affixing its signature on the back of the security, with consequent delivery to the bank that will deal with the collection (in the event that you wish to convert it into money – within the limits allowed by the law or by the institute’s regulations – handing it over to the issuer’s bank, in the event that you wish to deposit it in your account, it will be sufficient to hand it over to your bank).

At that point, considering the negotiation of the debts (subject to collection), it will be necessary to wait for the technical currency availability days before actually spending the sums present. Using the sums prior to this availability, there is therefore the risk of suffering a currency overdraft, with debit interest being charged.

To be able to find out more, we advise you of course to read carefully the current account contract that you have signed, and the transparency information sheets in force (find all these details in the documentation that was delivered to you at the opening, and on the website of your reference credit institution). Inside, you will also find specific indication of the days of economic and technical currency, and consequently you will be able to obtain useful information in order to guide you in managing the financial resources acquired through the receipt of a bank check.