Today, something for people who run small businesses or run one-man businesses. The Mikro Fund is a completely new company (not a bank) on the domestic financial market that has several interesting products to offer just for such readers running their own, not big business.
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An offer that will probably enjoy considerable interest among some companies, because I know from experience that many people are looking for additional financing that will allow them to repay arrears in both ZUS and the Tax Office.
What can we learn about the Micro Fund itself?
The company is registered in Warsaw under the name Fund Mikro sp. Z o. O. It was founded in 1994 by the Polish-American Enterprise Fund in order to promote entrepreneurship in Poland, providing its capital in the form of loans to persons running micro and small businesses. What exactly can we find in their offer?
A loan of up to PLN 30,000 – the first offer from the bank is not a large cash loan of up to PLN 30,000 with a maximum repayment period of up to 36 months. It can be used by people who have been running their own business for at least 12 months in the form of a one-man business, civil or capital company.
The maximum period of this loan can reach up to 48 months
A formal requirement for obtaining a loan is a positive credit history in BIK, collateral for real estate and additional guarantees of the spouse or co-owners of the property.
A loan of up to PLN 200,000 – this is the last and the largest offer we will find in the offer of the Micro Fund. It is a mortgage loan, hence granted under collateral established on real estate with, as above, the required surety of the property owners or spouse. The loan repayment period can be up to 48 months.