Polish legal regulations distinguish several basic business taxation companies. One of them is a lump sum on recorded revenues. A flat rate is a simplified form of taxation of an individual business or partnership.

Entrepreneurs who have opted for this form of taxation pay income tax, but they cannot reduce it by the costs of obtaining it.

A lump-sum loan – what is it characterized by?


Although the lump sum is just as important as a form of taxation as the other applications in Polish business, according to experts, it does not work in favor of the loan applicant.

For entrepreneurs who settle on a flat-rate basis, banks most often estimate a certain portion of income as income. In practice, the values ​​calculated by individual institutions can differ from each other, and the differences can be up to 50 percent. Why such a discrepancy?

It all depends on how you assess your creditworthiness. Companies with an income of 25 percent they pay a relatively high tax and thus have greater creditworthiness and a better chance of receiving a higher loan amount than companies with 75% income.

It turns out, therefore, that a flat-rate loan is possible, but whether or not it is granted depends on the creditworthiness. Therefore, entrepreneurs who want to apply for a flat-rate loan in the future should remember to document all income, because the more they confirm, the better.

What are the rules for granting flat-rate loans?

What are the rules for granting flat-rate loans?

Entrepreneurs applying for a cash loan usually have no problems obtaining it, while those applying for a mortgage loan may encounter certain obstacles.

Banks calculating the creditworthiness of an applicant for a loan pay special attention to his income. Entrepreneurs paying flat-rate pay tax on income, not company income.

In practice, therefore, the earnings of companies they run are only part of the revenue, and the low financial result significantly worsens the creditworthiness of the entrepreneur.

The creditworthiness of people paying a lump sum


A key role in the context of issuing a credit decision is played by creditworthiness, which enables further application for a loan or completely cancels the chances of getting it.

When it comes to lump-sum loans, the bank uses one of five flat rates when calculating creditworthiness, i.e. 3%, 5.5%, 8.5%, 17% or 20 percent The flat rate determines the creditworthiness – the lower the rate, the lower the creditworthiness, and thus problems with receiving a positive credit decision.

Regardless of the borrower’s profile, the bank calculates the creditworthiness of the applicant’s income.

For individuals, all income is taken into account, but the flat rate percentage is calculated based on the company’s income. As a consequence, it is definitely harder for lump sums to get a loan, and the amount may not be as high as they would like.

The lender can calculate this percentage of income in two different ways – by specifying a percentage or by estimating profits based on the scale on which the company pays tax.

Most often, banks specify a profit of 20-25 percent. revenues in the company, however, are also those where calculations are made for the benefit of the client, which means that his creditworthiness is much higher than at other banks.

How to increase your credit standing on a lump sum?

There are several rules that will help us improve our credit standing. One of the concerns when we decide to take a loan. The vast majority of banks expect to run a business for a minimum of one year, preferably two years. Therefore, we should not opt ​​for a loan when we are just taking our first steps in business.

Another issue that banks are paying attention to is the suspension of operations. If in the past we took a break from running the company, the bank will ask us to provide relevant documentation confirming the reason for such a decision. It is good to have a good excuse and it is best not to use such a solution at all.

Just as banks do not trust clients employed under a specific work contract or mandate contract, they have limited confidence in entrepreneurs whose monthly income is significantly different.

The reason is that the borrower is not regularly paying off his liability. Therefore, if we have such an opportunity, let’s stabilize our income so that they remain at the same level.

Timeliness in paying all fees is also of considerable importance. Banks are unfavorable to entrepreneurs who are delaying the timely payment of fees in the Social Insurance Institution or the Tax Office. So let’s make sure that you don’t be late with any fees arising from running your business.

Getting a cash loan on a lump sum


To receive a cash loan on a lump sum, the company must present as many documents as possible confirming the achieved income. In addition to the loan application, you will need:

  • confirmation of the last 12 tax receipts to the Tax Office,
  • confirmation of the last 12 receipts to GFI,
  • providing a flat rate.

Funds for a flat-rate loan for companies can be used for any purpose, e.g. for the current needs of the company, business development or maintaining the company’s financial liquidity. The maximum loan amount is estimated individually and may amount to several USD.

Do lump sum entrepreneurs have a chance for a mortgage?

A lump-sum mortgage is a special-purpose loan and requires collateral. A mortgage loan is usually secured with real estate, it is no different in the case of a flat-rate mortgage. Until the repayment of the liability, the bank appears as a creditor in the mortgage.

Usually, getting a smaller amount of mortgage on a lump sum is not difficult, but getting a long-term commitment for a high amount is a challenge.

Therefore, business owners should make the choice of a loan offer conditional on how they calculate income based on the company’s income.

How is the creditworthiness of people on a lump sum mortgage loan assessed?

Banks calculate the creditworthiness of companies based on several different factors. One of them is the already mentioned corporate income. As a rule, people whose companies pay a flat rate at the highest rates: 17 percent have a better chance of a mortgage. or 20 percent

Then banks value income at 70 percent. revenue. In turn, those who pay the lowest rates should look for banks that have in their offer loan proposals already including 25 percent. income as income.

What are the rules for granting a flat-rate mortgage?


Business activities can be carried out in the field of various forms of ownership and management. In the case of individual business activity, creditworthiness is affected only by the private and corporate obligations of the entrepreneur, but in the company, it can also be shaped by the company’s loans.

How do you get a mortgage on a lump sum? It is best to apply for it only when the business has been conducted for at least 2 years, all fees and obligations are paid in a timely manner, the company does not record losses and has as much income as possible.

What documents will I need to get a flat-rate mortgage?

One of the basic documents necessary in the procedure of applying for a flat-rate mortgage is an ID card. Banks also require the submission of financial documents such as:

  • PIT 28 for the last accounting year,
  • records of revenues from the current year,
  • records of inflows for the last 12 months for taxes paid to the Tax Office,
  • records of receipts for the last 12 months including social and health contributions to GFI.

What to look for when taking a loan, paying the flat-rate fee?


If you want to get the best loan conditions by running a flat-rate company, you should do market research and check the offers of various banks. For this purpose, you can use a number of tools available on the Internet, such as loan comparators or installment calculators.

When choosing a lump sum loan, pay attention to similar issues as for a private loan. Our attention should, therefore, focus on interest, installments, repayment period, initial fees, insurance as well as fees for extending the debt repayment period.

If the rankings available in the network and the information contained therein are not enough for us, it is worth contacting a representative of the selected bank, who will answer all your questions and thus dispel any doubts related to the loan.