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A fast business loan for investments, scaling up your team, or taking on a new contract. A decision in 24 hours, an online application, and clear terms - no fine print, no hidden fees.
Our growth loan is meant to be real support - not another hurdle. The entire process, from initial eligibility to payout, is completed online and stays transparent at every step.
You fill out a short contact form with basic details about your company and what you need financing for.
Fill in information about your business and any assets that could serve as collateral. The full application typically takes no more than 7 minutes.
After the credit review, we come back with a specific offer - with clear pricing and a repayment schedule. We set a time for signing the agreement and any required documents.
Once the agreements are signed, funds usually land in your business account within 24 hours. You can put the money to work right away.
You run a sole proprietorship, a limited liability company, or a joint-stock company registered in Poland.
Your company has been operating for at least 6 months.
Your annual turnover or balance sheet total is at least PLN 200,000.
Your company is not in restructuring or liquidation proceedings.
Bank statements for all business accounts from the last 6 months.
Current certificates confirming no arrears in taxes (tax office) and ZUS contributions.
Note: In some cases, we may ask for additional financial documents or collateral-related documents - we will flag that during the review.
Our growth loans are used by manufacturing, service, and trading companies - from young companies to established family businesses.
Warsaw
"The PaveNow team was incredibly helpful. Their fast communication made the whole process feel personal and efficient."
Krakow
"Much simpler and faster than traditional banks. The process was straightforward from start to finish."
Gdańsk
"The loan allowed us to invest in new inventory and marketing, which led to significant growth in turnover."
PaveNow was built out of the experience of SME owners who understand the pressure behind financial decisions. That is why we first set up simple, fast business loans - and then added tools to track cash flow and automate day-to-day finance operations. One platform supports both ongoing liquidity and long-term growth.
years in the market
in annual revenue
continents
Behind PaveNow, there is real financial backing - not just a cloud app. We have a stake in Signet Bank and a strategic partnership with Magnetiq Bank, an EU-licensed bank and Banking-as-a-Service platform. That means you get a fast fintech experience built on banking-grade foundations - with procedures designed to protect billions of euros in assets every day.
Our process is built for SMEs that need a decision faster than a traditional bank can deliver. Instead of going to a branch, you start with a short online form, then share your company’s financial data in the next step. Based on that, we review your situation and come back with an offer that fits your needs and cash flow - not a rigid “bank template.”
To apply for the Growth Loan, your company should:
1. Be registered in Poland as a sole proprietorship, a limited liability company, or a joint-stock company.
2. Have been operating for at least 6 months.
3. Have annual turnover or balance sheet total of at least PLN 200,000.
4. Not be in restructuring or liquidation proceedings.
The first step is a short online form you can fill out in a few minutes. Then we will ask you to share the company’s financial data so we can put together an offer. Once we receive the full set of information, we usually come back with a preliminary decision within 24 business hours.
For the Growth Loan, funds are usually paid out to your account on the same day once all legal agreements are signed and finalised.
Yes, early repayment is possible. You will find the settlement rules for early repayment in your loan agreement. Before you decide, you can reach out and we will walk you through what early settlement would look like for your specific contract.
The Growth Loan is designed for Polish SMEs that:
- have been operating for at least 6 months
- want to finance growth, inventory, investments, or get
day-to-day payments under control
- are looking for fast, transparent financing with clear terms.
If your company is growing and you need capital to take the next step, this loan is built for exactly those situations.