Kredyt bankowy jako podstawa zewnętrznego finansowania małych i średnich przedsiębiorstw sektora usług
Bank Loan as the Basis for External Financing of Small and Medium-Sized Enterprises in Services Sector

Summary/Abstract: The article deals with the issue of financing projects from the services sector. Bank credits have been one of the most important external financing sources for enterprises for several decades. In addition to equity, which is the basic and at the same time the main financing, it is the funds from the loans granted by banks that help to carry out enterprises’ undertakings on the territory of Poland. It is worth emphasizing the fact of assessing the financial situation of entities applying for cash from banks. The study presents the most important data showing how much service enterprises reach for external sources of financing and what place bank loans occupy in this structure. The aim of the article is to attempt to define the significance of funds from bank loans for the development in the services sector. The analysis of empirical data, as well as a survey on the financing of enterprises in Poland conducted on a group of 600 business entities in the services sector clearly state that bank loans, apart from equity, constitute the main and the most popular source of financing of implemented investments. Despite the growing offer of alternative forms of financing, funds from banks are still the most common form of business support.

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