Loans and financing
You are buying a property, planning an investment or want to check whether your current commitments could be arranged more cheaply.
From assessing your options to documents, negotiations and drawing down the funds.
See the scopeWorking together
First we understand your situation. Then we choose the right direction.
One conversation brings together financing, protection, building capital and the needs of business owners. We match the team to your real situation, not to a product decided in advance.
Insurance
You want to know what would really happen to your family’s or your company’s budget if health, income or property were lost.
Protection for life, health, income and property, matched to real risks.
See the scope
Savings, investments and retirement
You put money aside, but without a plan — or you have a plan made years ago that nobody has revisited since.
A capital-building plan tied to your goals, time horizon and appetite for risk.
See the scope
Business support
You run a business and financial matters are scattered between the bank, the accountant and day-to-day operations.
Financing, protection and coordination of the matters that count for a business owner.
See the scopeHow we recommend
A recommendation is the result of analysis, not the starting point.
Your situation first
We start with your needs, goals and past decisions — not with a ready-made product.
No solution decided in advance
The direction emerges only once the data and your real options are in order.
Comparing consequences
We discuss costs, limitations, risks and how each option affects your other goals.
A decision made together
A recommendation has to be understandable. You take part in the choice and know the next steps.
How it works
Five steps from the first conversation to long-term care
Conversation
We get to know your situation, needs and goals.
What happens at this stage
- You tell us about your situation, your plans and what raises questions today.
- We agree which areas are worth analysing — and which are not.
- We start by phone, by email or with a meeting at the office.
OutcomeA shared understanding of the goal and the scope of further work.
Areas in detail
Scope matched to your stage of life and business
Loans and financing
We clarify your needs, compare the available solutions and guide you through the process — taking into account cost, flexibility and the long-term effect on your budget.
- Mortgages
- Personal loans
- Refinancing and consolidation
- Business financing
- Leasing
Insurance
First we establish what really needs protecting. Only then do we compare the scope, exclusions, sums insured and cost.
- Life and health
- Private medical cover
- Home and property
- Motor, travel and professional liability
Savings, investments and retirement
We start building capital from the goal and the timeframe. We discuss access to funds, the level of risk, costs and the role each solution plays in the overall financial plan.
- Regular saving
- Retirement solutions
- Funds and other investment solutions
- A multi-goal plan
Business support
We look at liquidity, growth financing, the risks faced by the owner and the company, and business continuity as one picture.
- Growth financing
- Optimising commitments
- Protecting owners and the team
- Succession and specialist support
First step
You don’t need to know the solution. It’s enough to tell us about your situation.
Contact
Let’s discuss your situation.
We can start by phone, by email or with a meeting. The first conversation is about understanding your situation and agreeing a good next step — booking it takes about a minute.
Phone+48 695 344 423Emailkdfrejchinbach@phinance.plOfficeJuliusza Słowackiego 2B
80-257 Gdańsk (map opens in a new tab)
80-257 Gdańsk (map opens in a new tab)
At this first stage, please don’t send details of your income or debts, document numbers or attachments. We will agree a secure way to share documents later.
No-obligation conversation
Let’s start with what matters most right now.
About 60–90 secondsFive short steps help us prepare for the conversation. Please don’t include sensitive financial details or documents in the form.
- Type of matter
- Your situation
- How to reach you
- Contact details
- Summary
- No-obligation conversation
- Reply in the way you choose
- Details used only to reply