Teoretyczne i aplikacyjne aspekty udzielania kredytów inwestycyjnych na rozwój małych i średnich przedsiębiorstw
Theoretical and application aspects of investment lending for development of small and medium-sized enterprises

Summary/Abstract: The aim of this paper was a analyzing of the most important topics related to the creditworthiness of companies in the investment needs in the assessment of commercial and cooperative banks. The study found, inter alia, that the financial situation in the assessment of the entrepreneur and the bank can vary significantly. Banks to examine the loan application usually expect several years of financial history of the company in the form of balance sheets. Only in exceptional cases, the banks decide to finance the development of new enterprises that don’t have the annual financial statements. Cooperative banks often than commercial banks take credit decisions with respect to newly established enterprises. Typically, this applies when it comes to relatively small loan, well secured, and when applying for a loan a member of the cooperative bank.

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