Examples of loan classification criteria
 

Credit applicant criterion:

• loan for business entities representing all forms of ownership;

• credit for natural persons who do not conduct business activity;

Usage Criterion:

• a cash loan;

• non-cash loan;

The criterion of the subject of the loan:

• revolving loan;

  Working capital loans are loans intended to finance the borrower's day-to-day needs related to his business activities, e.g. purchase of goods, materials, raw materials, energy charges, wages, etc. They increase the borrower's current assets.

  investment loan;

  Investment loans are intended for the financing of outlays aimed at creating new or increasing the existing fixed assets.

Loan period criterion:

• short-term loan (up to 1 year);
  medium-term loan (from 1-3 years);
  long-term loan (over 3 years);

Credit form criterion:

• overdraft facility;
  overdraft facility;
  discount credit;
  consumer (cash) loan;
  installment loan;
  preferential credit;
  syndicated loan;
  credit related with the purchase of invoices (the so-called "factoring");
  loan for leasing financing;

Security method criterion:

• Lombard loan - granted against movable property or securities, when the subject of the set is handed over to the bank;
  mortgage;

Loan currency criterion:

• PLN loan;
  foreign currency loan;
  PLN loan denominated in foreign currencies;
  foreign currency loan denominated in PLN.