A transparent online process - from completing a short application to receiving a decision in less than 24 hours
The financing process at Firmeo is fast and transparent. From submitting a short application to receiving a decision and payout - everything takes place entirely online, with no unnecessary paperwork.
Provide basic information about your company and financial needs. You don’t need to attach any certificates - it only takes a few minutes to submit your details online. Thanks to integration with online banking (open banking), we can securely verify your income and prepare an offer based on your current financial data.
Based on the information you provide, we’ll prepare an individual loan proposal tailored to your company’s size, industry, and financial situation. Each offer clearly presents all costs and terms, allowing you to easily compare options and choose the best solution.
Once you accept the terms, you’ll sign the agreement electronically - no printing, scanning, or sending documents required. The funds are transferred directly to your business account, usually on the same business day - typically within 24 hours of approval.
Check your business offer
We created Firmeo to support entrepreneurs in obtaining financing simply, quickly, and transparently.
Fast application review
and instant credit decision
The entire process takes place online – no branch visits required
w oddziale
Loans from 5,000 PLN to 200,000 PLN for 3–12 months
Transparent terms,
clear rules,
no surprises
Below you’ll find answers to the most common questions about business loans and financing options.
What documents are required to apply?
We don’t require any paper documents or certificates to apply for a business loan. Simply complete a short online form and share your bank statements via a secure open banking connection. The entire process is fully online – fast and hassle-free.
How long does the entire process take?
The procedure is quick and transparent. Completing the application takes just a few minutes, and you can receive a decision within 24 hours. Once the agreement is signed, the funds are usually transferred to your account the same business day.
What are the benefits of financing with Firmeo?
Firmeo helps maintain your company’s financial liquidity by providing flexible access to capital exactly when you need it most. With adjustable repayment terms, you can tailor the financing to your business’s cash flow cycles or seasonal fluctuations.
Can the loan be used only for business purposes?
Yes, our financing is intended exclusively for business-related purposes. You can use the funds for purchasing goods, investments, marketing, equipment, service development, or improving your company’s cash flow.
Can I repay the loan early?
Of course. You can repay your loan at any time with no additional fees. Early repayment means real savings for you and a lower total cost of financing.
Does a Firmeo loan have any hidden costs?
No, our terms are completely transparent. All costs are clearly stated in the agreement – no fine print, no unnecessary commissions, and no unexpected fees along the way.
Is my company’s data secure?
Yes. We use modern, encrypted connections and open banking tools certified by the Polish Financial Supervision Authority (KNF). Your data is processed in compliance with GDPR and used solely for the purpose of assessing your application.
Who can apply for a Firmeo loan?
Business owners registered in Poland can apply – including sole traders and limited companies. We only require an active business, a company bank account, and some basic information about your company.
