{"id":18468,"date":"2021-08-23T12:28:42","date_gmt":"2021-08-23T09:28:42","guid":{"rendered":"https:\/\/www.ibi.co.il\/?post_type=product&#038;p=18468"},"modified":"2021-09-29T11:43:59","modified_gmt":"2021-09-29T08:43:59","slug":"ibi-polska","status":"publish","type":"product","link":"https:\/\/www.ibi.co.il\/en\/solutions\/ibi-polska\/","title":{"rendered":"IBI Polska"},"content":{"rendered":"<div class=\"block block-hero-slider\" >\t\t<div class=\"block-container\">\n\t\t\n<div class=\"slider-hero-wrap display-default\">\n\t\n\t<!-- <span class=\"overlay\"><\/span> -->\n\n\t<div class=\"slider-hero\">\n\t\t\t\t\t<div class=\"slide\">\n\t\t\t\t<div class=\"slide-in\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG.jpg\" class=\"attachment-full size-full\" alt=\"desktop ENG\" srcset=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG.jpg 1920w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG-300x106.jpg 300w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG-1024x363.jpg 1024w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG-768x272.jpg 768w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG-1536x544.jpg 1536w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/desktop-ENG-200x71.jpg 200w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"container\">\n\t\t<div class=\"hero-content\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"hero-title\">\n\t\t\t\t\tIBI Polska\t\t\t\t<\/h1>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"hero-text\" >\n\t\t\t\t\t<p>IBI Polska Secured Funding sp. o.o. is a company owned by IBI Investment House, specializing in non-banking financing to corporations in Poland against liens on real estate properties. Experts from various fields employed by IBI Polska Secured Funding sp. o.o. \u00a0bring an innovative approach and extended professional experience in the field. Jointly, we created a financial institute that leads the non-banking corporations financing market.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-title\" >\t\t<div class=\"block-container\">\n\t\t<h2 class=\"entry-title\">About IBI Investment House<\/h2>\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-editor\" >\t\t<div class=\"block-container\">\n\t\t\n<div class=\"entry-content\">\n\t<p style=\"text-align: center\">IBI Investment House is one of Israel&#8217;s leading financial institutions in the non-banking sector. As we approach our 50<sup>th<\/sup> anniversary this year, we are proud of our track record of creativity and innovation that allowed us to expand and diversify our business while benefitting our clients. \u00a0IBI provides a broad range of specialized financial services to Institutional, corporate and private clients in Israel and overseas. Our core services range from portfolio and mutual fund management to alternative investments, institutional brokerage services, stock trading platforms, underwriting, trust management, real estate investments, employee benefit scheme management, business financing and more.<\/p>\n<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-slider-testimonials\" >\t\t<div class=\"block-container\">\n\t\t\n\t\t<h2 class=\"block-title\">\n\t\t\tOur Team\t\t<\/h2>\n\n\t\t<!-- Slider main container -->\n\t\t<div class=\"swiper swiper-video\">\n\t\t  <!-- Additional required wrapper -->\n\t\t  <div class=\"swiper-wrapper slider-testimonials \">\n\t\t  \t\n\t\t  \t\t\n\t\t  \t\t<div class=\"swiper-slide slide\" data-id=\"19505\" data-type=\"team\">\n\t\t  \t\t\t\t\n\t\t  \t\t\t<div class=\"slide-in\">\n\t\t  \t\t\t\t<div class=\"cols\">\n\n\n\t\t  \t\t\t\t\t<div class=\"col-image\">\n\t\t  \t\t\t\t\t\t<div class=\"entry-image\">\n\t\t  \t\t\t\t\t\t\t<img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/08\/Itsik2-230x300.jpg\" class=\"attachment-slider-testimonials size-slider-testimonials wp-post-image\" alt=\"\" \/>\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<div class=\"col-content\">\n\t\t  \t\t\t\t\t\t<span class=\"diamonds\">\n\t\t  \t\t\t\t\t\t\t<h3 class=\"sr-only\">Itsik Cohen<\/h3>\n\t\t  \t\t\t\t\t\t<\/span>\n\n\t\t  \t\t\t\t\t\t<div class=\"entry-content\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t<p class=\"elementor-image-box-description\" dir=\"RTL\" style=\"text-align: right;line-height: 18.0pt;direction: rtl;margin: 0cm 0cm .0001pt 36.0pt\"><span dir=\"LTR\" style=\"font-size: 11.0pt;font-family: 'Calibri',sans-serif\">Mr. Cohen managed financial operations in Poland from 2013 to 2020 and has gained extensive experience in commercial lending. He was previously chairman of Maximum Poland, a firm that advised and handled the sale of Poland\u2019s largest shopping center. Before that he was CEO of Matis Capital and served as board chairman at a number of group companies. From 1991 to 2005 he worked at Mercantile Discount Bank where he managed a number of the bank\u2019s leading branches.<\/span><\/p>\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t\t<div class=\"name\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\tItsik Cohen\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t, Director\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t<\/div>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/div>\n\n\t\t  \t\t\n\t\t  \t\t\n\t\t  \t\t<div class=\"swiper-slide slide\" data-id=\"3373\" data-type=\"team\">\n\t\t  \t\t\t\t\n\t\t  \t\t\t<div class=\"slide-in\">\n\t\t  \t\t\t\t<div class=\"cols\">\n\n\n\t\t  \t\t\t\t\t<div class=\"col-image\">\n\t\t  \t\t\t\t\t\t<div class=\"entry-image\">\n\t\t  \t\t\t\t\t\t\t<img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/\u05e2\u05d3\u05d5-\u05e7\u05d5\u05e7-230x300.jpg\" class=\"attachment-slider-testimonials size-slider-testimonials wp-post-image\" alt=\"\" \/>\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<div class=\"col-content\">\n\t\t  \t\t\t\t\t\t<span class=\"diamonds\">\n\t\t  \t\t\t\t\t\t\t<h3 class=\"sr-only\">Iddo Kook<\/h3>\n\t\t  \t\t\t\t\t\t<\/span>\n\n\t\t  \t\t\t\t\t\t<div class=\"entry-content\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t<p>Iddo serves as the Chairman of IBI Investment House and as the Chairman of IBI Capital. He served as the Company CEO between 2011 and 2018 and has been involved in various fields in the capital market for over 25 years. He began his career as a stockbroker and has held a range of management positions at the IBI Group, in the investment management and brokerage fields.<\/p>\n<p>Iddo holds an MBA and a BSc in life sciences from Tel Aviv University. He also holds an investment management license issued by the Israel Securities Authority.<\/p>\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t\t<div class=\"name\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\tIddo Kook\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t, Chairman of IBI Investment House\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t<\/div>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/div>\n\n\t\t  \t\t\n\t\t  \t\t\n\t\t  \t\t<div class=\"swiper-slide slide\" data-id=\"19507\" data-type=\"team\">\n\t\t  \t\t\t\t\n\t\t  \t\t\t<div class=\"slide-in\">\n\t\t  \t\t\t\t<div class=\"cols\">\n\n\n\t\t  \t\t\t\t\t<div class=\"col-image\">\n\t\t  \t\t\t\t\t\t<div class=\"entry-image\">\n\t\t  \t\t\t\t\t\t\t<img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/08\/Ron2-230x300.jpg\" class=\"attachment-slider-testimonials size-slider-testimonials wp-post-image\" alt=\"\" \/>\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<div class=\"col-content\">\n\t\t  \t\t\t\t\t\t<span class=\"diamonds\">\n\t\t  \t\t\t\t\t\t\t<h3 class=\"sr-only\">Ron Keinan<\/h3>\n\t\t  \t\t\t\t\t\t<\/span>\n\n\t\t  \t\t\t\t\t\t<div class=\"entry-content\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t<p>Ron Keinan is the owner and chairman of the Tzadok Keinan Group. He has been involved in financial investment in real estate for many years and serves as a consultant to both companies and individuals.<\/p>\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t\t<div class=\"name\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\tRon Keinan\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t, Partner and Member of the Board\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t<\/div>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/div>\n\n\t\t  \t\t\n\t\t  \t\t\n\t\t  \t\t<div class=\"swiper-slide slide\" data-id=\"18530\" data-type=\"team\">\n\t\t  \t\t\t\t\n\t\t  \t\t\t<div class=\"slide-in\">\n\t\t  \t\t\t\t<div class=\"cols\">\n\n\n\t\t  \t\t\t\t\t<div class=\"col-image\">\n\t\t  \t\t\t\t\t\t<div class=\"entry-image\">\n\t\t  \t\t\t\t\t\t\t<img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/06\/Amir_010-230x300.jpg\" class=\"attachment-slider-testimonials size-slider-testimonials wp-post-image\" alt=\"\" \/>\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<div class=\"col-content\">\n\t\t  \t\t\t\t\t\t<span class=\"diamonds\">\n\t\t  \t\t\t\t\t\t\t<h3 class=\"sr-only\">Amir Golan<\/h3>\n\t\t  \t\t\t\t\t\t<\/span>\n\n\t\t  \t\t\t\t\t\t<div class=\"entry-content\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t<p>.Amir founded IBI Private Credit department with aggregate AUM of 600M$. And is the managing partner of Israel&#8217;s largest debt fund (IBI CCF). Amir worked as an accountant specializing in complex financial instruments at the Valuation Division at EY Israel, and before that Amir worked as a credit consultant at the Clal Group.<\/p>\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t\t<div class=\"name\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\tAmir Golan\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t, Partner and Chairman of the Board\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t<\/div>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/div>\n\n\t\t  \t\t\n\t\t  \t\t\n\t\t  \t\t<div class=\"swiper-slide slide\" data-id=\"3377\" data-type=\"team\">\n\t\t  \t\t\t\t\n\t\t  \t\t\t<div class=\"slide-in\">\n\t\t  \t\t\t\t<div class=\"cols\">\n\n\n\t\t  \t\t\t\t\t<div class=\"col-image\">\n\t\t  \t\t\t\t\t\t<div class=\"entry-image\">\n\t\t  \t\t\t\t\t\t\t<img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/02\/\u05d3\u05d9\u05d9\u05d1-\u05dc\u05d5\u05d1\u05e6\u05e7\u05d9-230x300.jpg\" class=\"attachment-slider-testimonials size-slider-testimonials wp-post-image\" alt=\"\" \/>\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<div class=\"col-content\">\n\t\t  \t\t\t\t\t\t<span class=\"diamonds\">\n\t\t  \t\t\t\t\t\t\t<h3 class=\"sr-only\">Dave Lubetzky<\/h3>\n\t\t  \t\t\t\t\t\t<\/span>\n\n\t\t  \t\t\t\t\t\t<div class=\"entry-content\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t<p style=\"direction: ltr\">Dave has over 20 years of experience in the capital market.<\/p>\n<p style=\"text-align: left\">In his previous positions, he served as CEO of IBI portfolio management, as manager of the alternative investment activity, as manager of the corporate and institutional client department and chief investment manager at IBI Pension and Training.<\/p>\n<p style=\"text-align: left\">Dave has a bachelor&#8217;s degree in economics. he has an investment management license on behalf of the Israel Securities Authority, and a pension insurance agent license on behalf of the Ministry of Finance.<\/p>\n<p style=\"text-align: left\">In his spare time, he collects and renovates vintage cars. He fonds sports and technical diving.<\/p>\n<p style=\"direction: ltr\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t\t<div class=\"name\">\n\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\tDave Lubetzky\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t, CEO of IBI Investment House\t\t  \t\t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t  \t\t\t\t<\/div>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/div>\n\n\t\t  \t\t\t\t  <\/div>\n\t\t  <!-- If we need navigation buttons -->\n\t\t  <div class=\"swiper-video-btns\">\n\t\t  \t<button class=\"swiper-button-prev\"><span class=\"icomoon icomoon-arrow-right\" aria-hidden=\"true\"><\/span><\/button>\n\t\t  \t<button class=\"swiper-button-next\"><span class=\"icomoon icomoon-arrow-left\" aria-hidden=\"true\"><\/span><\/button>\n\t\t  <\/div>\n\n\t\t<\/div>\n\n\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-products style-white\" >\t\t<div class=\"block-container\">\n\t\t<div class=\"products\">\n\t\n<div id=\"product-18468-1\" class=\"product zoom-in\" data-aos=\"fade-up\">\n\n\t<div class=\"d-flex\">\n\t\t<div class=\"col-image\">\n\t\t\t\t\t\t<div class=\"entry-image\">\n\t\t\t\t<img decoding=\"async\" width=\"540\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/04\/\u05d7\u05d5\u05d5\u05ea-\u05d3\u05e2\u05ea-\u05dc\u05d1\u05d9\u05ea-\u05d4\u05de\u05e9\u05e4\u05d8-\u05d5\u05e2\u05d3-\u05de\u05d5\u05de\u05d7\u05d4.jpg\" class=\"attachment-home-products size-home-products\" alt=\"\" srcset=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/04\/\u05d7\u05d5\u05d5\u05ea-\u05d3\u05e2\u05ea-\u05dc\u05d1\u05d9\u05ea-\u05d4\u05de\u05e9\u05e4\u05d8-\u05d5\u05e2\u05d3-\u05de\u05d5\u05de\u05d7\u05d4.jpg 540w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/04\/\u05d7\u05d5\u05d5\u05ea-\u05d3\u05e2\u05ea-\u05dc\u05d1\u05d9\u05ea-\u05d4\u05de\u05e9\u05e4\u05d8-\u05d5\u05e2\u05d3-\u05de\u05d5\u05de\u05d7\u05d4-300x167.jpg 300w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/04\/\u05d7\u05d5\u05d5\u05ea-\u05d3\u05e2\u05ea-\u05dc\u05d1\u05d9\u05ea-\u05d4\u05de\u05e9\u05e4\u05d8-\u05d5\u05e2\u05d3-\u05de\u05d5\u05de\u05d7\u05d4-260x145.jpg 260w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/04\/\u05d7\u05d5\u05d5\u05ea-\u05d3\u05e2\u05ea-\u05dc\u05d1\u05d9\u05ea-\u05d4\u05de\u05e9\u05e4\u05d8-\u05d5\u05e2\u05d3-\u05de\u05d5\u05de\u05d7\u05d4-200x111.jpg 200w\" sizes=\"(max-width: 540px) 100vw, 540px\" \/>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"col-content\">\n\t\t\t\t\t\t\t<h2 class=\"entry-title loopProductTitle\">\n\t\t\t\t\tWho can receive the loan?\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\n\t\t\t<div class=\"entry-content\">\n\t\t\t\t<p>Our offer is addressed to:<\/p>\n<ul>\n<li>sole proprietorships<\/li>\n<li>civil partnerships<\/li>\n<li>limited liability companies<\/li>\n<li>and other forms of business activity, with at least one year&#8217;s history of activity.<\/li>\n<\/ul>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"btn-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div id=\"product-18468-2\" class=\"product zoom-in\" data-aos=\"fade-up\">\n\n\t<div class=\"d-flex\">\n\t\t<div class=\"col-image\">\n\t\t\t\t\t\t<div class=\"entry-image\">\n\t\t\t\t<img decoding=\"async\" width=\"540\" height=\"300\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/08\/\u05e7\u05e8\u05e0\u05d5\u05ea-7-1-540x300.jpg\" class=\"attachment-home-products size-home-products\" alt=\"\" srcset=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/08\/\u05e7\u05e8\u05e0\u05d5\u05ea-7-1-540x300.jpg 540w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/08\/\u05e7\u05e8\u05e0\u05d5\u05ea-7-1-260x145.jpg 260w\" sizes=\"(max-width: 540px) 100vw, 540px\" \/>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"col-content\">\n\t\t\t\t\t\t\t<h2 class=\"entry-title loopProductTitle\">\n\t\t\t\t\tOur Offer for companies\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\n\t\t\t<div class=\"entry-content\">\n\t\t\t\t<p>Our mortgage-secured business loan is a product that can be used for any purpose related to the conducted business activity, including refinancing other loans and\u00a0borrowings.<\/p>\n<ul>\n<li>Financing amount from PLN 100,000 to PLN 5,000,000.<\/li>\n<li>LTV up to 60% of the real estate securing value<\/li>\n<li>Financing period from 3 to 12 months, with\u00a0an option to extend it to 24 months<\/li>\n<li>Attractive terms and competitive interest rates<\/li>\n<li>Commissions and fees set individually<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"btn-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-icons-strip\" >\t\t<div class=\"block-container\">\n\t\t\n<h2 class=\"block-title block-title-white\" data-aos=\"fade-up\" data-aos-delay=\"300\" style=\"text-align:center;\">\n\tWhy choose us?<\/h2>\n\n<ul class=\"icons\">\n\t\n\t\t<li class=\"item has-text\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/ICON-toy.svg\" class=\"attachment- size-\" alt=\"\" \/>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<span class=\"entry-title\">\n\t\t\t\tFlexibility\t\t\t<\/span>\n\n\t\t\t\n\t\t\t\t<div class=\"entry-text\">\n\t\t\t\t\tWe offer a range of financing solutions with a varying monthly repayment according to customer&#8217;s needs\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t\t<\/li>\n\n\t\n\t\t<li class=\"item has-text\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/ICON-sun.svg\" class=\"attachment- size-\" alt=\"\" \/>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<span class=\"entry-title\">\n\t\t\t\tEfficiency\t\t\t<\/span>\n\n\t\t\t\n\t\t\t\t<div class=\"entry-text\">\n\t\t\t\t\tQuick and effective response time, fulfilling the customer&#8217;s needs, free of prolonged and unnecessary bureaucracy\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t\t<\/li>\n\n\t\n\t\t<li class=\"item has-text\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/01\/icon-horse.svg\" class=\"attachment- size-\" alt=\"\" \/>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<span class=\"entry-title\">\n\t\t\t\tPersonal Accompaniment\t\t\t<\/span>\n\n\t\t\t\n\t\t\t\t<div class=\"entry-text\">\n\t\t\t\t\tOur professional experts shall accompany you through the whole processes\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t\t<\/li>\n\n\t\n\t\t<li class=\"item has-text\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/01\/icon-target.svg\" class=\"attachment- size-\" alt=\"\" srcset=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/\/2021\/01\/icon-target.svg 150w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/\/2021\/01\/icon-target.svg 300w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/\/2021\/01\/icon-target.svg 1024w, https:\/\/www.ibi.co.il\/wp-content\/uploads\/\/2021\/01\/icon-target.svg 55w\" sizes=\"(max-width: 55px) 100vw, 55px\" \/>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<span class=\"entry-title\">\n\t\t\t\tExperience and Professional Expertise\t\t\t<\/span>\n\n\t\t\t\n\t\t\t\t<div class=\"entry-text\">\n\t\t\t\t\tOf a stable, established and experienced investments house with 5 decades of experience in the capital market, in financing, real estate and alternative investments field\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t\t<\/li>\n\n\t\n\t\t<li class=\"item has-text\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<figure class=\"entry-image\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.ibi.co.il\/wp-content\/uploads\/2021\/07\/Icon-pie.svg\" class=\"attachment- size-\" alt=\"\" \/>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<span class=\"entry-title\">\n\t\t\t\tCompetitive Loan Costs \t\t\t<\/span>\n\n\t\t\t\n\t\t\t\t<div class=\"entry-text\">\n\t\t\t\t\tWe offer loans with competitive interest rates and term options to fit the customer&#8217;s personal needs\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\t\t<\/li>\n\n\t<\/ul>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n<div class=\"block block-accordion\" >\t\t<div class=\"block-container\">\n\t\t\n<h2 class=\"block-title\">\n\tHave Questions?<\/h2>\n\n<div class=\"accordion-wrap\">\n\t<ul class=\"accordion\">\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tDo newly established companies\/ Companies with loss on business\/ Negative Credit History\/ Liabilities to Other Entities have a chance to receive a loan?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>According to our company&#8217;s policy, a loan can be obtained by any active \/ operating company \/ company \/ enterprise with a loss on business and\/or with a negative credit history\/ liabilities.<\/p>\n<p>We analyze financial documents with a minimum duration of 6 months. An important aspect when making a decision to grant a loan is the type and value of the collateral provided. In the process of analyzing the application, we take into account both the company&#8217;s business profile and its financial result. Each decision is made on the basis of a detailed analysis of the client&#8217;s profile &#8211; loss of business activity does not automatically reject the application.<\/p>\n<p>The obtained loan may be used to repay existing liabilities and receivables &#8211; by refinancing them, satisfying existing creditors.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat financial data are taken into account when processing the application?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Pursuant to the application&#8217;s processing, the analysis provides financial data from the last 6 &#8211; 24 months of operation, such as: revenue, profit \/ loss, in individual periods based on the provided financial documents.<\/p>\n<p>A detailed list of documents that the client should provide can be found in the attached preliminary loan application.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tCan a company with obligations to the Tax Office \/ Social Insurance Institution obtain a loan?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Yes, depending on the amount of current \/ overdue liabilities.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat size of loans do we grant?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Our standard offer includes loans in the amount from PLN 100,000.<\/p>\n<p>Depending on the type of business, company profile, collateral provided, the maximum loan amount is PLN 5,000,000.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat types of security measures do we emphasize? \t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>As security for the loan, we accept only real estate indicated by the entrepreneur \/ company that has a land and mortgage register, such as:<\/p>\n<p>&#8211; flats \/ apartments,<\/p>\n<p>&#8211; houses,<\/p>\n<p>&#8211; commercial premises,<\/p>\n<p>&#8211; other construction \/ industrial facilities.<\/p>\n<p>&nbsp;<\/p>\n<p>The real estate securing the loan is not required to be owned by the borrower, it may belong to another person.<\/p>\n<p>&nbsp;<\/p>\n<p>We do not grant loans against:<\/p>\n<p>&#8211; building \/ industrial plots<\/p>\n<p>&#8211; agricultural land.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tHow do we calculate the value of a property?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The calculation method the property&#8217;s value depends on the property&#8217;s type, location and the loan amount.<\/p>\n<p>&nbsp;<\/p>\n<p>In the case of flats \/ apartments, we use the AVM model (an automatic valuation model that enables property valuation using mathematical modeling and a database of real estate transactions and a database of offer and transaction prices), which reduces significantly the time for submitting an offer \/ approval of the application.<\/p>\n<p>&nbsp;<\/p>\n<p>Houses, commercial premises &#8211; the value is usually estimated on the basis of expert opinions and appraisal reports prepared by the Property Appraisers cooperating with us.<\/p>\n<p>&nbsp;<\/p>\n<p>We also accept valuations \/ appraisals held by the client, made by Property Appraisers, not older than 12 months.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat can the loan be used for?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The loan can be used for any purpose related to the conducted business activity, e.g. covering the company&#8217;s current expenses, purchasing working capital, refinancing liabilities or current loans.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat is the interest rate on the loan?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The interest rate on the loan is in accordance with applicable law (currently on 02.2021 it is 7.2%).<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat additional fees does the borrower pay? What is the total amount?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Additional fees related to the commission for granting the loan, administrative costs are presented each time in the offer.<\/p>\n<p>These usually range from 12% of the loan value upwards, depending on the amount and duration of the loan, financial results and provided collateral.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tIs the borrower informed of the reason for the rejection of the application? \t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>IBI Polska Secured Funding sp. o.o. is not obliged to inform the Client of the reason for the rejection of the application. It may, however, condition its approval by providing additional security.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat documents should be provided for considering the application?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>\u2022 Name, tax identification number and legal form of the entity<\/p>\n<p>\u2022 Financial documents from the past 2 years (2019 and 2020) &#8211; KPIR \/ RZIS<\/p>\n<p>\u2022 The requested loan amount\u2022 The full address and mortgage register of the property proposed as security and the estimated value<\/p>\n<ul>\n<li>Customer&#8217;s consent to the processing of personal data<\/li>\n<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWho signs the Notarial Deed?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The Notarial Deed is signed by the Borrower, the property owner and the representative of IBI Polska Secured Funding Sp zo.o.<\/p>\n<p>The time and place of signing the act is any time concluded with the client.<\/p>\n<p>A draft of a notarial deed, which is a loan agreement, is included in the appendix.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tIs the obligation under the loan agreement entered in the land and mortgage register?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Yes, we enter them in the first place on the mortgage &#8211; if the collateral is one real estate.<\/p>\n<p>If more than one property is the collateral, then it is possible to enter it in the second position.<\/p>\n<p>If the loan is used to refinance an obligation included in the land and mortgage register, it is necessary to obtain a commitment to delete the entry from the entity \/ person entered therein.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tMust the property securing the loan be insured?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Yes, the real estate securing the loan must have a valid insurance policy assigned to \u00a0IBI Polska Secured Funding sp. o.o. \u00a0for the entire duration of the loan.<\/p>\n<p>The model for the assignment of rights under the policy can be found in the appendix.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tDisbursement of funds \t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The payment of funds takes place immediately after signing the notarial deed and after providing the assignment of rights under the property insurance policy.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat is the loan repayment process schedule?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>The repayment schedule is always attached to the offer. Usually, only interest and part of the commission are repaid monthly &#8211; this amount is agreed with each separate borrower, and the remaining amount is repaid on a fixed date.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tIs it possible to repay the loan earlier?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Yes, it is possible. After reporting the willingness to repay, the borrower receives information about the exact amount remaining to be repaid.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tCan the loan repayment period be extended?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Yes, the loan period may be extended up to 12 months, but it depends on the cooperation history with the borrower up to that time. This fact should be reported 60 days before the loan repayment date.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat is the interest payment date?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Interest payment dates are the 10th, 20th and 30th (for February 28) days of the month.<\/p>\n<p>The date of interest repayment is agreed with every borrower separately.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t\t\t<li class=\"accordion-item\">\n\t\t\t\t<div class=\"accordion-btn-wrap\">\n\t\t\t\t\t<button class=\"accordion-btn\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"accordion-btn-text\">\n\t\t\t\t\t\t\tWhat is the nature of cooperation with IBI Polska? \t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"icomoon icomoon-angle-down\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<div class=\"entry-content\">\n\t\t\t\t\t\t<p>Cooperation between the Intermediary and IBI is based on the concluded agreement, the example of which is presented in the appendix.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/li>\n\n\t\t\n\t<\/ul>\n<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n<script type=\"application\/ld+json\">\n\t{\n\t\t\"@context\": \"https:\/\/schema.org\/\",\n\t\t\"@type\": \"faqpage\",\n\t\t\"mainentity\": [{\"@type\":\"question\",\"name\":\"Do newly established companies\\\/ Companies with loss on business\\\/ Negative Credit History\\\/ Liabilities to Other Entities have a chance to receive a loan?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"According to our company&#8217;s policy, a loan can be obtained by any active \\\/ operating company \\\/ company \\\/ enterprise with a loss on business and\\\/or with a negative credit history\\\/ liabilities.\\nWe analyze financial documents with a minimum duration of 6 months. An important aspect when making a decision to grant a loan is the type and value of the collateral provided. In the process of analyzing the application, we take into account both the company&#8217;s business profile and its financial result. Each decision is made on the basis of a detailed analysis of the client&#8217;s profile &#8211; loss of business activity does not automatically reject the application.\\nThe obtained loan may be used to repay existing liabilities and receivables &#8211; by refinancing them, satisfying existing creditors.\"}},{\"@type\":\"question\",\"name\":\"What financial data are taken into account when processing the application?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Pursuant to the application&#8217;s processing, the analysis provides financial data from the last 6 &#8211; 24 months of operation, such as: revenue, profit \\\/ loss, in individual periods based on the provided financial documents.\\nA detailed list of documents that the client should provide can be found in the attached preliminary loan application.\\n&nbsp;\"}},{\"@type\":\"question\",\"name\":\"Can a company with obligations to the Tax Office \\\/ Social Insurance Institution obtain a loan?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Yes, depending on the amount of current \\\/ overdue liabilities.\"}},{\"@type\":\"question\",\"name\":\"What size of loans do we grant?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Our standard offer includes loans in the amount from PLN 100,000.\\nDepending on the type of business, company profile, collateral provided, the maximum loan amount is PLN 5,000,000.\\n&nbsp;\"}},{\"@type\":\"question\",\"name\":\"What types of security measures do we emphasize? \",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"As security for the loan, we accept only real estate indicated by the entrepreneur \\\/ company that has a land and mortgage register, such as:\\n&#8211; flats \\\/ apartments,\\n&#8211; houses,\\n&#8211; commercial premises,\\n&#8211; other construction \\\/ industrial facilities.\\n&nbsp;\\nThe real estate securing the loan is not required to be owned by the borrower, it may belong to another person.\\n&nbsp;\\nWe do not grant loans against:\\n&#8211; building \\\/ industrial plots\\n&#8211; agricultural land.\"}},{\"@type\":\"question\",\"name\":\"How do we calculate the value of a property?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The calculation method the property&#8217;s value depends on the property&#8217;s type, location and the loan amount.\\n&nbsp;\\nIn the case of flats \\\/ apartments, we use the AVM model (an automatic valuation model that enables property valuation using mathematical modeling and a database of real estate transactions and a database of offer and transaction prices), which reduces significantly the time for submitting an offer \\\/ approval of the application.\\n&nbsp;\\nHouses, commercial premises &#8211; the value is usually estimated on the basis of expert opinions and appraisal reports prepared by the Property Appraisers cooperating with us.\\n&nbsp;\\nWe also accept valuations \\\/ appraisals held by the client, made by Property Appraisers, not older than 12 months.\"}},{\"@type\":\"question\",\"name\":\"What can the loan be used for?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The loan can be used for any purpose related to the conducted business activity, e.g. covering the company&#8217;s current expenses, purchasing working capital, refinancing liabilities or current loans.\"}},{\"@type\":\"question\",\"name\":\"What is the interest rate on the loan?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The interest rate on the loan is in accordance with applicable law (currently on 02.2021 it is 7.2%).\"}},{\"@type\":\"question\",\"name\":\"What additional fees does the borrower pay? What is the total amount?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Additional fees related to the commission for granting the loan, administrative costs are presented each time in the offer.\\nThese usually range from 12% of the loan value upwards, depending on the amount and duration of the loan, financial results and provided collateral.\\n&nbsp;\"}},{\"@type\":\"question\",\"name\":\"Is the borrower informed of the reason for the rejection of the application? \",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"IBI Polska Secured Funding sp. o.o. is not obliged to inform the Client of the reason for the rejection of the application. It may, however, condition its approval by providing additional security.\\n\\u00a0\"}},{\"@type\":\"question\",\"name\":\"What documents should be provided for considering the application?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"\\u2022 Name, tax identification number and legal form of the entity\\n\\u2022 Financial documents from the past 2 years (2019 and 2020) &#8211; KPIR \\\/ RZIS\\n\\u2022 The requested loan amount\\u2022 The full address and mortgage register of the property proposed as security and the estimated value\\n\\nCustomer&#8217;s consent to the processing of personal data\"}},{\"@type\":\"question\",\"name\":\"Who signs the Notarial Deed?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The Notarial Deed is signed by the Borrower, the property owner and the representative of IBI Polska Secured Funding Sp zo.o.\\nThe time and place of signing the act is any time concluded with the client.\\nA draft of a notarial deed, which is a loan agreement, is included in the appendix.\"}},{\"@type\":\"question\",\"name\":\"Is the obligation under the loan agreement entered in the land and mortgage register?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Yes, we enter them in the first place on the mortgage &#8211; if the collateral is one real estate.\\nIf more than one property is the collateral, then it is possible to enter it in the second position.\\nIf the loan is used to refinance an obligation included in the land and mortgage register, it is necessary to obtain a commitment to delete the entry from the entity \\\/ person entered therein.\"}},{\"@type\":\"question\",\"name\":\"Must the property securing the loan be insured?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Yes, the real estate securing the loan must have a valid insurance policy assigned to \\u00a0IBI Polska Secured Funding sp. o.o. \\u00a0for the entire duration of the loan.\\nThe model for the assignment of rights under the policy can be found in the appendix.\"}},{\"@type\":\"question\",\"name\":\"Disbursement of funds \",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The payment of funds takes place immediately after signing the notarial deed and after providing the assignment of rights under the property insurance policy.\"}},{\"@type\":\"question\",\"name\":\"What is the loan repayment process schedule?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"The repayment schedule is always attached to the offer. Usually, only interest and part of the commission are repaid monthly &#8211; this amount is agreed with each separate borrower, and the remaining amount is repaid on a fixed date.\"}},{\"@type\":\"question\",\"name\":\"Is it possible to repay the loan earlier?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Yes, it is possible. After reporting the willingness to repay, the borrower receives information about the exact amount remaining to be repaid.\"}},{\"@type\":\"question\",\"name\":\"Can the loan repayment period be extended?\",\"acceptedanswer\":{\"@type\":\"answer\",\"text\":\"Yes, the loan period may be extended up to 12 months, but it depends on the cooperation history with the borrower up to that time. 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