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Comprehensive support in securing business loans, leasing, and banking facilities

As an official Certified Partner of mBank S.A. and an OSCBR network member, we accelerate commercial bank lending and equipment leasing for our clients. We assemble verified financial packages (interim balance sheets, P&L statements, F-01 forms, ratio diagnostics, and cash flows) for bank underwriters. We facilitate working capital lines, overdraft facilities, investment loans, and vehicle/machinery operational leasing. We provide preferential mBank corporate accounts with zero-fee tax and ZUS wire transfers, plus POS terminals via the Cashless Poland program.

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Business financing, leasing and corporate banking advisory in Poland — Certified mBank Partner NWAGNER

Certified partnership with mBank S.A. – tangible benefits for your business

NWAGNER Accounting Office is an officially Certified Partner of mBank S.A. and a member of the National Network of Certified Accounting Offices (OSCBR). Our clients receive privileged access to senior corporate banking officers, streamlined credit evaluations, and premium commercial bank account terms.

  • Priority corporate banking channel: Direct liaison with dedicated SME & corporate bankers without standard call-center queues.
  • Preferential banking bundles: Free business accounts, fee-free statutory tax and social security (ZUS) wire transfers, and zero-fee corporate debit cards.
  • Fast-track credit scoring: Applying for credit facilities and loans backed by certified accounting reports generated directly by our firm.
  • POS terminals and Paynow e-commerce gateway: Seamless merchant payment solutions with reduced transaction processing rates.

We bridge the gap between audit-grade accounting and prompt bank financing for your business expansion.

Corporate lending: working capital facilities, revolving credit lines and term loans

Securing corporate credit facilities requires presenting consistent, verifiable, and professionally structured financial statements to commercial banks. At NWAGNER, we compile comprehensive analytical dossiers that establish unquestioned credibility with bank risk underwriters.

  • Working capital loans and revolving credit lines: Financing inventory purchases, supply chain operations, and day-to-day liquidity.
  • Investment and technological term loans: Capital for commercial real estate acquisition, industrial facilities, manufacturing lines, or digital innovations.
  • Interim bank reporting packages: Rapid generation of interim balance sheets, P&L statements, trial balances (F-01), and PKPiR summaries.
  • Credit covenant and ratio diagnostics: Verifying Debt Service Coverage Ratio (DSCR), leverage metrics, and current/quick liquidity ratios.

We eliminate formal application errors and accelerate bank approvals for your financing requirements.

Operational and financial leasing for vehicles, machinery and IT hardware

Leasing is the primary and most tax-efficient method of acquiring capital assets for businesses operating in Poland. We structure optimal leasing agreements, calculate post-lease buyout tax implications, and manage day-to-day invoice bookings.

  • Operating leases for passenger cars and commercial fleets: Maximizing tax deductibility within statutory limits (150,000 PLN or 225,000 PLN for EVs).
  • Machinery, heavy equipment and production line leases: Capital equipment financing with tailored seasonal amortization schedules.
  • IT infrastructure, server and software leasing: Fast-track financing for technology hardware and enterprise software for tech businesses.
  • Lease invoice and upfront deposit accounting: Accurate VAT recovery, income tax cost deductibility, and GAP/CASCO insurance allocation.

We collaborate with premier Polish leasing houses to secure optimal financing rates and terms for our clients.

Business banking, POS card terminals and automated bank feed integrations

Modern corporate banking should communicate seamlessly with your accounting ledger. We provide our clients with preferential mBank account packages and automate electronic statement reconciliation and payment runs.

  • Primary and multi-currency accounts: Dedicated currency accounts (EUR, USD, GBP), statutory VAT split payment sub-accounts with zero fees.
  • POS card payment terminals: 12 months fee-free terminal usage and 0% card transaction processing commissions under the Cashless Poland initiative.
  • Automated bank feed imports (MT940 / CAMT.053): Daily algorithmic matching of customer receivables against open sales invoices.
  • Secure two-tier authorization: We assemble payment batches inside your bank portal; you execute wire approvals securely via mobile banking.

You gain real-time liquidity oversight, eliminate manual wire entry, and ensure zero typographical errors in bank settlement accounts.

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Planning a capital investment, need vehicle leasing, or want to establish a corporate bank account? Contact our financial advisors today.

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NWAGNER Poland — Warsaw

ul. Trakt Lubelski 277D, 04-667 Warszawa, Polska

+48 539 490 102

NWAGNER UK — Essex, United Kingdom

Office 9273 321-323 High Road, Chadwell Heath, Essex, United Kingdom, RM6 6AX