In recent years, non-bank financing has become a legitimate and even preferred alternative for many borrowers. The ability to obtain a loan outside the banking framework, from entities such as insurance companies, private funds, or other financial institutions, opens new opportunities for borrowers who do not receive adequate responses from the traditional banking system.

Why turn to non-bank financing at all?

The main advantage lies in flexibility:

1. Faster approval

2. Less rigid criteria

3. The possibility of obtaining financing even when the financial rating is problematic

In practice, this is a real opportunity for borrowers who need immediate or personalized solutions – even when the bank hesitates.

Bridge Loans – A Solution Before Sale

A familiar situation is purchasing a new asset before selling the existing one. In such a case, a bridge loan provides temporary financing (sometimes up to 85% of the asset's value), allowing borrowers to make a purchase without entering cash flow pressure.

Financial Recovery Loans – An Opportunity for Rehabilitation

There are also those who turn to non-bank financing as a temporary solution for financial rehabilitation – for example:

1. Individuals with problematic credit ratings

2. Businesses in crisis

3. Clients with rolling debts

Recovery loans are granted for a short period, using existing assets as collateral and pricing adjusted to the level of risk. The goal: to get through the crisis period, improve the rating, and return to the banking system under better conditions.

And what about the interest rate?

High financing rates also bring higher interest. Therefore, it is important to plan carefully, check the income forecast, and ensure that the loan truly serves the needs in the short and long term.