Kredyt bankowy jako zewnętrzne źródło finansowania dla przedsiębiorstw rozpoczynających działalność gospodarczą
Bank credit as an external source of financing for enterprises beginning an economic activity

Summary/Abstract: Sector of small and medium-sized enterprises (SMEs) is significant in every market econ-omy. Small and medium-sized enterprises are generally considered as an element powering the economy despite the economic slowdown in Poland and turbulences in the economies of Member States of the European Union. Micro-enterprises have the largest share of enterprisesbelonging to the SME sector – in Poland, they consist of 95.7% of the market (in the European Union – 92.2%). This sector produces a significant portion of GDP and generates numerous workplaces. However, SMEs are often confronted with market imperfections. They have diffi-culties in obtaining capital or credit, particularly in the start-up phase of the enterprise. Finan-cial resources are their foundation. What is more, they are the basis for the operation of each enterprise. In Poland, there are various possibilities of obtaining financing sources; however, their variety does not imply that all parties have equal access to these resources. Currently, the most important source of funding, in addition to equity capitals, are bank credits. The aim of this paper is to present a credit offer for enterprises beginning an economic activity by selected institutions of the Polish banking sector.

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