Arka Przymierza
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Negotiations in disputes with banks

A bank is not an enemy, but a difficult partner to talk to

Most financing problems start with one official letter from the payment monitoring department. This often happens at the least appropriate moment, when your company is waiting for a key transfer from a contractor or planning to purchase a new machine. At Arka Przymierza, we step in when a regular relationship with a bank advisor is no longer enough and threats of termination of the credit agreement appear. We talk specifically about numbers, because it's the only language that credit committees making restructuring decisions really understand. We save transactions on the edge before the case goes to the field debt collection department.

Our negotiation process in 19 business days

We usually close the entire process of mediation with a financial institution in 19 business days. We start with a quick audit of your current agreement – we check financial covenants and the real value of the established collateral. It often turns out that the bank has room for maneuver that it did not mention in the first call for payment. We close disputes, we open businesses – this is how we approach every renegotiation of the margin or extension of the repayment period. Sometimes a minor change in the credit insurance provisions is enough to free up frozen cash in the technical account. Heads-up: we do not undertake cases where the financial situation of the company is already objectively beyond saving – we value your time and ours.

  • Detailed analysis of the last 3 balance sheets before the first round of talks with the bank.
  • Preparation of a new proposal for a realistic repayment schedule within 4 days of the audit.
  • Personal representation of the Management Board at a meeting in the restructuring or difficult loans department.
  • Verification of annexes for hidden commissions and additional handling costs.

Real effects and savings for the company

In November 2024, we worked for a metal parts manufacturer whose credit line of 437,000 PLN the bank tried to terminate due to a drop in turnover. After two rounds of negotiations at the bank's Warsaw headquarters, we managed not only to restore financing for another 14 months but also to reduce the margin by 0.27 percentage points. Discretion is our standard, not a promise, which is why every case handled by Arka Przymierza is covered by a strict confidentiality clause. Such specific results are the effect of 8 years of experience of our specialists, who previously worked in the decision-making structures of commercial banks themselves.

Why us, and not a typical law firm?

Lawyers usually focus on looking for formal errors and threatening the bank with court, which often only exacerbates the conflict and accelerates bailiff execution. We at Arka Przymierza look at the case from the perspective of financial liquidity. We understand that the company needs to buy goods next Tuesday, not wait three years for a final court verdict. We don't write boring procedural letters – we negotiate the real terms of business survival. We focus on what is possible to win under the current credit policy of a given institution, knowing their internal procedures from the inside. Our goal is a quick agreement that will allow you to return to normal company management.