Flexible repayment terms

Possibility of a grace period in repayment

Special offer for regular customers



Decision in 48 hours

Minimum formalities

Without credit reliability information



No prepayments or hidden costs

Signing contract before notary

Constant contact with a consultant


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We carry out our actions all over Poland, however Balt Credit is a daughter of Estonian international corporation – AS Omega Laen. We exist over 10 years on financial market. Over this time we were constantly expanding our offer and improving its formula. All of this, to keep our services on highest level for the clients.
Start up

Start up loan

Pożyczka start-up

Start ups become really popular these days and more and more young, aspiring entrepreneurs decide for this kind of business model. In Balt Credit we have a special loan for Start up, which gives you an easy way to get assets for ideas and investments.

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Investment loan

Pożyczka inwestycyjna

In Balt Credit we also have something especially for innovative entrepreneurs who do not fear the risk and desire to multiply their capital. Investment loan allows you to gain additional financial assets for any purpose. How they are going to be used is a question of borrowers and only borrowers will.

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Bridging loan

Finansowanie pomostowe

They say “time is money” and we know it very well, that’s why specially for our clients we prepared financial products that require minimum formalities. Bridging loan is one of those products and it allows you to prolong repayment period of other financial commitments.

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Consolidation loan

Pożyczka konsolidacyjna

In brief, consolidation loan is one loan instead of many. This kind of product was created specially for our clients financial comfort. Consolidation loan is perfect when the date of your payments and many other small obligations is relentlessly comin.

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Get help with choosing type of loan


Do you run a financial business and want to expand your offer with a modern financial product targeted at the most demanding customers? Become our partner!

We offer:

  • attractive commission,
  • swiftness of operation - a transparent and minimized loan procedure,
  • professional support from our Experts,
  • fast commission payment - you will receive it immediately after the customer signs the contract.
Contact us

We will be happy to provide you with details about cooperation.

Who can benefit from our offer?

Our offer is directed to natural persons running a sole proprietorship and commercial companies. Main condition for being granted a real estate secured non-banking loan is holding an ownership of a house, an apartment, premises or any other building (also under execution). It’s worth mentioning that this real estate can be charged with a mortgage or be owned by a third party.

What kind of real estate is seen as risky?

We accept flats and houses in Warsaw, Cracow, Katowice, Łódź, Wroclaw, Poznan, Gdynia, Gdańsk, Sopot and in the suburbs of every mentioned city (about 30km away). Real estate secured loan can be also secured with service or business premises.

What is the biggest loan I can get??

Balt Credit grants loans without credit reliability information, for 20 000zł to 500 000zł. The amount of the loan can’t be larger than 50% of the securing real estate worth.

Does the credit or market reliability information have an influence on granting the loan?

No, negative entries in the debtors’ registers are not grounds for denial of the loan.

What forms of security are used?

For real estate secured non-banking loans there are two forms of security. First one is the entry in the fourth section of the land and mortgage register (mortgage), second one is second section (transfer of ownership for security). In case of choosing mortgage as a security, loan can’t be bigger than 30% of the real estates worth and in case of transfering the ownership, loan can’t be bigger than 50% of its worth.

How long do I have to wait for the money?

Verification of the application for the mortgage loan takes maximum two working days starting from submission of the set of documents. Pay out takes maximum three days starting from signing a contract in the presence a notary (usually the same day).

How does transfer of ownership for security work?

The transfer of title to security is a form of limitation of a property law on real estate in the form of a transfer of ownership of real estate to Balt Credit for the duration of a real estate secured loan agreement. After the paying off the debt, Balt Credit is obliged to re-transfer ownership. This is guaranteed by the entry in the third section of the land and mortgage register - claim for a re-transfer of ownership (additional security for the borrower). This transfer is only a transfer of ownership at a given time and for a given purpose.