How to Apply
The Application Process
Find Your Facility
Browse our active facilities on the Facilities page. Filter by facility type, sector, and amount range to find the facility best suited to your project or business. Read the facility description, eligibility criteria, and required documentation carefully before applying.
Prepare Your Documents
Most facilities require a business plan, financial projections or audited accounts, and documentation of the collateral or security you are able to offer. Preparing these documents before starting your application significantly reduces the time required to complete the process.
Submit Your Application
Click the Apply button on your chosen facility page and complete the application form. Attach all required documents. Our system will send you a confirmation email with your application reference number when your submission is received.
Assessment and Decision
Our credit team reviews every application within five business days and may request additional information during the assessment process. You will receive a formal decision, either a facility offer or a clearly explained decline, within four to eight weeks depending on the complexity of your application.
Eligibility Overview
Key Requirements
Who Can Apply
Applications are open to individuals, companies, partnerships, and any other eligible entity. Each facility has a defined minimum and maximum loan threshold, as long as your application falls within the range for the facility you are applying for and you meet the eligibility criteria, we will consider your application regardless of your entity type.
Financial Track Record
Most of our facilities require a minimum of two years of audited financial statements. For younger businesses, a strong business plan with credible financial projections and evidence of early revenue traction may substitute in certain facility types.
Viable Security
We require security over tangible or intangible assets proportionate to the facility amount and risk profile. The nature of acceptable security varies by facility type. Our term sheets specify the security requirements for each facility, and our team is available to discuss alternatives where standard security is not available.
From Application to Disbursement
A structured, transparent process, from your first submission to the moment funds reach your account.
Submit Your Application
Apply online in minutes, new, existing, or stalled projects all considered. Our team acknowledges every submission within 5 business days.
Review & Due Diligence
We assess your project against active facilities, sector fit, and eligibility. Additional documents may be requested to complete our review.
Structuring & Approval
Our team designs the optimal facility structure, amount, rate, tenor, and security, then presents it to our institutional syndicate for approval.
Documentation & Close
Facility agreements and security documents are executed. All conditions precedent are satisfied before the facility is formally closed.
Disbursement
Funds are disbursed per the agreed drawdown schedule. We remain your facility agent throughout the full tenor, providing ongoing support.
Available Now
Open Facilities
Loan Application Guidance
How to Maximise Your Application's Chances
A strong loan application is built on three foundations: a clear and credible business or project narrative that explains why the loan is needed and how it will be repaid; complete and accurate financial information that demonstrates the capacity to service the debt; and adequate security that gives the lender confidence that their capital is protected if the primary repayment source is disrupted. Applications that are strong on all three foundations are typically processed faster and achieve better pricing than those that are weak in any one area.
The financial projections you include in your application should be realistic, not optimistic. Lenders are experienced at assessing projections and they discount aggressively for optimism bias. Projections that assume best-case revenue growth with no allowance for downside scenarios will raise concerns about the sponsor's understanding of risk. Projections that show realistic base-case performance with a credible downside scenario that still services the debt will be far more persuasive. We recommend working with a financial adviser or accountant to prepare projections that meet institutional lender standards.
The security package you can offer is often the most important single determinant of whether a facility is approved and at what terms. Tangible assets, property, equipment, inventory, with clear legal title and professional valuations provide the strongest security. Receivables, contracts, and intellectual property can also be effective security in certain structures but require more complex legal documentation. Personal guarantees from substantial shareholders or directors are often required alongside the main security package, particularly for younger businesses or larger facilities relative to the company's balance sheet. Our team can advise on the most appropriate security structure for your specific situation.
After Approval
What Happens When Your Application is Approved
Receiving a facility offer from Polinvest marks the beginning of the documentation and close process, not the end. The facility offer letter, or term sheet, sets out the proposed terms in commercially binding or indicative form. Once the term sheet is accepted, our legal team engages with your legal advisers to draft the facility agreement, security documents, and any associated agreements required to complete the transaction.
The time from term sheet to drawdown depends on the complexity of the transaction and the responsiveness of all parties. For straightforward bilateral facilities, close can be achieved in four to six weeks from term sheet. For syndicated facilities or project finance transactions with complex security packages, close may take eight to sixteen weeks or longer. We manage the documentation process actively and maintain a conditions precedent checklist that tracks every item required for drawdown, ensuring that no single outstanding item delays the overall process unnecessarily.
Post-close, your primary relationship is with Polinvest as facility agent. We handle all ongoing administration including covenant monitoring, lender reporting, drawdown requests for facilities with multiple drawdowns, amendment processes, and at maturity, repayment coordination. We aim to make the post-close administration of your facility as smooth and low-burden as possible, while maintaining the reporting and monitoring obligations that our lender syndicate requires.
We are interested in maintaining our client relationships beyond the life of individual facilities. Clients whose facilities are managed and repaid well become our strongest references for future transactions, and we actively seek to grow with them, whether that means refinancing an existing facility at better terms as their credit profile improves, arranging a new facility for a growth initiative, or introducing them to equity co-investors as their business scales. Our goal is to be your capital markets partner for the long term, not just for a single transaction.