PROPERTY BACKED LOAN

Unlock capital from your business property. From 1.5% monthly. Up to 90% LTV.

Decision in 3 hours
Cash in 5 days
Up to PLN 4,000,000

If you own a commercial unit, a warehouse, or an apartment held in the business and you need capital to grow, but you do not want to sell the property, a property backed business loan lets you unlock up to 90% of the property value - on clear terms, without complicated investment conditions.

Apply for a property backed loan
100% online
From 1.5% monthly
Up to 90% LTV
Modern commercial building
Business property value
PLN 3,000,000
Current mortgage balance
PLN 0
Adjust the sliders to see your indicative limit.

Check how much capital you can unlock from your business property

Enter an estimated property value and see what secured loan amount you can get. Final terms are always matched to your company profile and the type of collateral.

In this scenario, you can get financing of up to
--
Get a precise offer

The result is indicative and not an offer. Final loan terms depend on the property valuation, the company’s financial situation, and the documents provided.

Market analysis

Property backed loan - faster and simpler than a bank

Companies that own property typically face two extremes: long bank procedures or expensive, unstable private capital. A PaveNow property backed business loan combines predictable terms with a process built for how entrepreneurs actually operate.

Category
PaveNow
Traditional banks
Private investors
Time to complete
5 days Speed guarantee
1-3 months Slow process
A few days Up to a week of waiting
Required documents
Minimal paperwork Property + company details only
Extensive paperwork 2 years of PIT/CIT, ZUS and Tax Office certificates, business plan
Moderate Meetings often required
Maximum LTV
Up to 90% Maximum leverage
40-60% Conservative approach
50-70% Depends on the investor
Cost / interest
From 1.5% per month Fixed rules upfront
8-10% APR Insurance + fees + variable rate
30-40% APR Very high risk pricing
Total repayment cost
1.2x - 1.5x Depending on the term
3x In long-term structures
1.5x - 2x Expensive capital
PROPERTY BACKED LOAN

Clear options for unlocking capital from property

Choose the secured loan structure that fits your business strategy.

PaveNow CORE

The safety baseline
70% Max LTV
Standard business bridge It lets you unlock capital quickly and safely from most business assets, while keeping a conservative risk level.
Most popular

PaveNow PRIME

Maximum financial
leverage
90% Max LTV
For liquid assets The highest LTV for the most desirable properties - top 5 cities, new builds - where AVM valuation can be carried out quickly.

PaveNow RENT MAX

Capital from rent
75% Max LTV
A loan for investors Eligibility is based only on rental income and DSCR, helping keep owners’ personal finances protected.
Learn more about the products in our FAQ
Find your scenario

When the bank says no
and the opportunity cannot wait

Capital is needed exactly when a bank stalls or says “no.” See when a PaveNow secured loan solves the problem.

Developer and a market opportunity

You are short on capital for the final tranche or you must secure a key auction within a few days. The property is locked on the balance sheet, and time is working against you.

PaveNow solution
We unlock capital from property in as little as 5 days so you can meet the deadline and close the transaction without selling assets.

A company with bank constraints

Your business is growing, but the bank bases the decision on years old history, requires 2 years of PIT/CIT, ZUS and tax office certificates, and a detailed business plan. The process drags on for months.

PaveNow solution
We focus primarily on the collateral value and your company’s current situation, not only on archived documents. You can get capital within the same week.

Business purchase and expansion

You have the ideal property to expand your business, but the bank is slow to decide. In a dynamic market, delays mean missed opportunities, and you do not want to pull cash out of day-to-day operations.

PaveNow solution
We deliver financing for the purchase in a few days. You move ahead right away and plan calmer bank refinancing later - already as the property owner.

Rental investors - Rent Max

You are planning another investment through a limited company, but you want to avoid personal guarantees and sharing private PIT settlements with banks.

PaveNow solution
RENT MAX is based on rental income and DSCR. What matters are the property parameters and rent cash flows, not your private finances.
Warsaw business district with Palace of Culture and Science
Eligibility

Do I qualify for a
property backed loan?

You run a business as a sole proprietorship, limited liability company, or joint stock company registered in Poland.
You have been operating for at least 12 months.
You own a residential or commercial property as collateral.
The property is not agricultural land above 0.3 ha.
The loan will be used for business purposes only, not consumer purposes.

What documents do I need to provide?

Land and mortgage register number (KW) for the business property.
Current certificates confirming no arrears with ZUS and the tax office, if they apply to your company.
For RENT MAX: lease agreements and business bank statements confirming rental income.
Company documentation: NIP, KRS extract or CEIDG entry.
Optionally, if you are not using AVM: a property valuation report.
Note: depending on the product (CORE, PRIME) and the property specifics, PaveNow may request additional documents or an inspector verification.
Business desk with financial documents, pen, and calculator

PaveNow - business financing built by entrepreneurs

PaveNow was created based on the experience of SME owners who know the pressure behind financial decisions. That is why we started with simple, fast business loans - and later added tools for cash flow control and finance automation. One platform supports both day-to-day liquidity and further growth.

25 +

years in the market

$3.7B +

annual revenue

3 +

continents

Security and stability guarantee

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. This gives you an efficient fintech experience on bank foundations, with procedures that protect billions of euros in assets every day.

  • Stake in Signet Bank, one of the first independent banks in the Baltics.
  • Partnership with Magnetiq Bank, an EU-licensed bank and a Banking-as-a-Service platform.
  • The same infrastructure, encryption, and security procedures as institutions handling billions of euros.
Want to see all our financing products?
See the offer

READY TO UNLOCK CAPITAL FROM YOUR BUSINESS ASSETS?

Apply now

Initial decision in as little as 3 hours. Standard verification is part of our secure 5 day process.

PaveNow - Product Portfolio Section

Discover our financing products

Our loans are designed to meet the specific needs of Polish entrepreneurs, with fast and transparent processes for each of them.

Bridge loan

Loan to settle tax liabilities

Learn more about bridge loans
Amount PLN 5,000 - 100,000
Product type Short-term financing
Term 30, 60, or 90 days
Pricing 12.5% per month
Fees One-time preparation fee
Business loan

Business loan for company growth

Learn more about business loans
Amount PLN 50,000 - 1,000,000
Product type Instalment loan
Term 3-12 months
Pricing From 16.5% per year
Fees One-time preparation fee
Contract financing

Financing for invoices and B2B contracts

Learn more about contract financing
Amount PLN 50,000 - 2,000,000
Product type Invoice and contract financing
Term Invoice: 1-4 months
Contract: up to 12 months
Pricing From 1.2% per month
Fees One monthly rate, no hidden costs
Property backed loan

Property-backed business loan

Learn more about property-backed loans
Amount PLN 100,000 - 4,000,000
Product type Property secured
Term 6-24 months
Pricing 1.5% per month
Fees Upfront fees included in interest

Frequently asked questions

Why do I pay 1.5% per month? Is it expensive?

You pay for speed and a guaranteed timeline. Our rate, starting from 1.5% per month, is significantly lower than rates offered by private lenders, which can reach 30-40%+ APR. We enable a strategic sequence: you act immediately, secure the opportunity, and then refinance the loan with a lower-cost bank facility.

Can I repay the loan early without penalties?

Yes, always. At PaveNow, we do not charge any penalties or additional fees for early capital repayment. You have full flexibility in managing the loan term.

What is the PAVENOW PRIME Loan and why does it offer 90% LTV?

PAVENOW PRIME is our flagship product, offering maximum financial leverage of up to 90% LTV. To make this possible, the property must be:

- Highly liquid: located exclusively in the top 5 cities, such as Warsaw, Kraków, Wrocław, etc.
- New and clean: modern, in excellent technical condition, and not requiring major renovation.
- Legally secure: it requires a first-ranking mortgage and cannot be encumbered by other loans. Older properties and agricultural land are excluded.

How is RENT MAX different from a standard loan?

RENT MAX is a loan designed for professional investors. We assess your capacity based on rental income from the property, rather than your personal tax returns or BIK credit history. It is a purely business-based assessment.

How does PaveNow protect itself against risk if the process is so fast?

Our process is fast but rigorous. It is based on two pillars:
1) First-ranking security, meaning we are always first in the land and mortgage register.
2) Notarial submission to enforcement under Article 777 of the Polish Code of Civil Procedure. This gives us a fast and legally secure way to recover capital.

Can my company apply if it has overdue ZUS or tax liabilities?

Yes, this is a typical scenario. Financing is possible, and the loan funds can be used to immediately repay overdue liabilities, which is the first step toward restoring full creditworthiness and returning to bank financing.