desktop ENG

IBI Polska

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.  bring an innovative approach and extended professional experience in the field. Jointly, we created a financial institute that leads the non-banking corporations financing market.

About IBI Investment House

IBI Investment House is one of Israel’s leading financial institutions in the non-banking sector. As we approach our 50th 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.  IBI 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.

Our Team

Itsik Cohen

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’s 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’s leading branches.

Itsik Cohen , Director

Iddo Kook

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.

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.

Iddo Kook , Chairman of IBI Investment House

Ron Keinan

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.

Ron Keinan , Partner and Member of the Board

Amir Golan

.Amir founded IBI Private Credit department with aggregate AUM of 600M$. And is the managing partner of Israel’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.

Amir Golan , Partner and Chairman of the Board

Dave Lubetzky

Dave has served as CEO of IBI Investment House and as Chairman of IBI Portfolio Management since 2019. Dave has extensive experience in investment management for private and institutional clients and specializes in alternative investment instruments, and serves as the general director of the IBI alternative funds: CCF, SBL, Comrit, Volcano, Pillar, Polska, Quality, Lion, FOF and Evo.

Dave has many years of experience in pension planning and taxation aspects. he held a number of other positions in the IBI Group, including CEO of IBI Portfolio Management, Corporate and Institutional Client Manager, Chief Investment Officer of IBI Provident and Study Funds.

Education: BA in economics. He holds an investment management license issued by the Israel Securities Authority and a pension insurance agent license issued by the Ministry of Finance.

Off the graph: Dave collects and restores vintage cars. He is a recreational and technical scuba diving enthusiast.

Dave Lubetzky , CEO of IBI Investment House
חוות דעת לבית המשפט ועד מומחה

Who can receive the loan?

Our offer is addressed to:

  • sole proprietorships
  • civil partnerships
  • limited liability companies
  • and other forms of business activity, with at least one year’s history of activity.
קרנות-7

Our Offer for companies

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 borrowings.

  • Financing amount from PLN 100,000 to PLN 5,000,000.
  • LTV up to 60% of the real estate securing value
  • Financing period from 3 to 12 months, with an option to extend it to 24 months
  • Attractive terms and competitive interest rates
  • Commissions and fees set individually

 

Why choose us?

  • Flexibility
    We offer a range of financing solutions with a varying monthly repayment according to customer’s needs
  • Efficiency
    Quick and effective response time, fulfilling the customer’s needs, free of prolonged and unnecessary bureaucracy
  • Personal Accompaniment
    Our professional experts shall accompany you through the whole processes
  • Experience and Professional Expertise
    Of a stable, established and experienced investments house with 5 decades of experience in the capital market, in financing, real estate and alternative investments field
  • Competitive Loan Costs
    We offer loans with competitive interest rates and term options to fit the customer’s personal needs

Have Questions?

  • According to our company’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.

    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’s business profile and its financial result. Each decision is made on the basis of a detailed analysis of the client’s profile – loss of business activity does not automatically reject the application.

    The obtained loan may be used to repay existing liabilities and receivables – by refinancing them, satisfying existing creditors.

  • Pursuant to the application’s processing, the analysis provides financial data from the last 6 – 24 months of operation, such as: revenue, profit / loss, in individual periods based on the provided financial documents.

    A detailed list of documents that the client should provide can be found in the attached preliminary loan application.

     

  • Yes, depending on the amount of current / overdue liabilities.

  • Our standard offer includes loans in the amount from PLN 100,000.

    Depending on the type of business, company profile, collateral provided, the maximum loan amount is PLN 5,000,000.

     

  • As security for the loan, we accept only real estate indicated by the entrepreneur / company that has a land and mortgage register, such as:

    – flats / apartments,

    – houses,

    – commercial premises,

    – other construction / industrial facilities.

     

    The real estate securing the loan is not required to be owned by the borrower, it may belong to another person.

     

    We do not grant loans against:

    – building / industrial plots

    – agricultural land.

  • The calculation method the property’s value depends on the property’s type, location and the loan amount.

     

    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.

     

    Houses, commercial premises – the value is usually estimated on the basis of expert opinions and appraisal reports prepared by the Property Appraisers cooperating with us.

     

    We also accept valuations / appraisals held by the client, made by Property Appraisers, not older than 12 months.

  • The loan can be used for any purpose related to the conducted business activity, e.g. covering the company’s current expenses, purchasing working capital, refinancing liabilities or current loans.

  • The interest rate on the loan is in accordance with applicable law (currently on 02.2021 it is 7.2%).

  • Additional fees related to the commission for granting the loan, administrative costs are presented each time in the offer.

    These usually range from 12% of the loan value upwards, depending on the amount and duration of the loan, financial results and provided collateral.

     

  • 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.

     

  • • Name, tax identification number and legal form of the entity

    • Financial documents from the past 2 years (2019 and 2020) – KPIR / RZIS

    • The requested loan amount• The full address and mortgage register of the property proposed as security and the estimated value

    • Customer’s consent to the processing of personal data
  • The Notarial Deed is signed by the Borrower, the property owner and the representative of IBI Polska Secured Funding Sp zo.o.

    The time and place of signing the act is any time concluded with the client.

    A draft of a notarial deed, which is a loan agreement, is included in the appendix.

  • Yes, we enter them in the first place on the mortgage – if the collateral is one real estate.

    If more than one property is the collateral, then it is possible to enter it in the second position.

    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.

  • Yes, the real estate securing the loan must have a valid insurance policy assigned to  IBI Polska Secured Funding sp. o.o.  for the entire duration of the loan.

    The model for the assignment of rights under the policy can be found in the appendix.

  • The payment of funds takes place immediately after signing the notarial deed and after providing the assignment of rights under the property insurance policy.

  • The repayment schedule is always attached to the offer. Usually, only interest and part of the commission are repaid monthly – this amount is agreed with each separate borrower, and the remaining amount is repaid on a fixed date.

  • Yes, it is possible. After reporting the willingness to repay, the borrower receives information about the exact amount remaining to be repaid.

  • 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.

  • Interest payment dates are the 10th, 20th and 30th (for February 28) days of the month.

    The date of interest repayment is agreed with every borrower separately.

  • Cooperation between the Intermediary and IBI is based on the concluded agreement, the example of which is presented in the appendix.

Need More Information? Contact Us

Error: Contact form not found.