{"id":18,"date":"2026-09-14T17:09:56","date_gmt":"2026-09-14T17:09:56","guid":{"rendered":"https:\/\/kredytpomimo.pl\/?page_id=18"},"modified":"2026-09-14T18:15:39","modified_gmt":"2026-09-14T18:15:39","slug":"kredyt-pomimo","status":"publish","type":"page","link":"https:\/\/kredytpomimo.pl\/","title":{"rendered":"Kredyt Pomimo"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18\" class=\"elementor elementor-18\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19be6554 e-flex e-con-boxed e-con e-parent\" data-id=\"19be6554\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3586e79 elementor-widget elementor-widget-html\" data-id=\"3586e79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<title>Kredyt Pomimo<\/title>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Public+Sans:wght@400;500;600;700;800&display=swap\">\r\n<style>\r\n  :root{\r\n    --bg:#FFFFFF;\r\n    --bg-elevated:#FFFFFF;\r\n    --ink:#16233F;\r\n    --ink-soft:#4A5568;\r\n    --muted:#6B7280;\r\n    --border:#E3E7EE;\r\n    --accent:#A06B0C;\r\n    --accent-hover:#7C540A;\r\n    --accent-ink:#FFFFFF;\r\n    --accent-soft:#FBF0DC;\r\n    --accent2:#F59E0B;\r\n    --accent2-soft:#FFF3DC;\r\n    --accent2-ink:#3D2B06;\r\n    --good:#16A673;\r\n    --good-soft:#E1F7EE;\r\n    --tint-blue:#F3F6FF;\r\n    --tint-amber:#FFFBF2;\r\n    --brand-navy:#12203A;\r\n  }\r\n  @media (prefers-color-scheme: dark){\r\n    :root:not([data-theme=\"light\"]){\r\n      --bg:#12151B;\r\n      --bg-elevated:#1A1E27;\r\n      --ink:#ECEEF3;\r\n      --ink-soft:#C3C8D1;\r\n      --muted:#8A8F99;\r\n      --border:#2B3040;\r\n      --accent:#E0B36A;\r\n      --accent-hover:#EBC58A;\r\n      --accent-ink:#2A1D06;\r\n      --accent-soft:#3A2E1A;\r\n      --accent2:#F5B84D;\r\n      --accent2-soft:#3A2C12;\r\n      --accent2-ink:#2A1D08;\r\n      --good:#3FCB94;\r\n      --good-soft:#123326;\r\n      --tint-blue:#161B2A;\r\n      --tint-amber:#221B10;\r\n    }\r\n  }\r\n  :root[data-theme=\"dark\"]{\r\n    --bg:#12151B;\r\n    --bg-elevated:#1A1E27;\r\n    --ink:#ECEEF3;\r\n    --ink-soft:#C3C8D1;\r\n    --muted:#8A8F99;\r\n    --border:#2B3040;\r\n    --accent:#E0B36A;\r\n    --accent-hover:#EBC58A;\r\n    --accent-ink:#2A1D06;\r\n    --accent-soft:#3A2E1A;\r\n    --accent2:#F5B84D;\r\n    --accent2-soft:#3A2C12;\r\n    --accent2-ink:#2A1D08;\r\n    --good:#3FCB94;\r\n    --good-soft:#123326;\r\n    --tint-blue:#161B2A;\r\n    --tint-amber:#221B10;\r\n  }\r\n\r\n  *{box-sizing:border-box;}\r\n  body{\r\n    margin:0;\r\n    background:var(--bg);\r\n    color:var(--ink);\r\n    font-family:\"Public Sans\", ui-sans-serif, system-ui, sans-serif;\r\n    font-size:16px;\r\n    line-height:1.55;\r\n    padding-inline:20px;\r\n  }\r\n  h1,h2,h3{\r\n    font-family:\"Public Sans\", ui-sans-serif, system-ui, sans-serif;\r\n    font-weight:800;\r\n    text-wrap:balance;\r\n    margin:0 0 0.5em 0;\r\n    color:var(--ink);\r\n  }\r\n  p{color:var(--ink-soft); margin:0 0 1em 0;}\r\n  a{color:var(--accent);}\r\n  .wrap{max-width:800px; margin-inline:auto;}\r\n  section{padding-block:34px;}\r\n  .label{\r\n    font-size:0.78rem; font-weight:700; text-transform:uppercase; letter-spacing:0.05em;\r\n    color:var(--muted); margin-bottom:6px; display:block;\r\n  }\r\n  .label-row{display:flex; align-items:center; gap:8px; margin-bottom:6px;}\r\n  .label-row .label{margin-bottom:0;}\r\n  .label-icon{width:20px; height:20px; flex:none; color:var(--accent);}\r\n  .label-icon svg{width:100%; height:100%; stroke:currentColor; stroke-width:2; fill:none; stroke-linecap:round; stroke-linejoin:round;}\r\n\r\n  \/* header *\/\r\n  header.site{\r\n    position:sticky; top:0; z-index:40;\r\n    background:var(--bg); border-bottom:1px solid var(--border);\r\n    box-shadow:0 2px 14px -10px rgba(20,30,60,0.35);\r\n  }\r\n  .header-inner{\r\n    max-width:800px; margin-inline:auto;\r\n    display:flex; align-items:center; justify-content:space-between;\r\n    gap:16px; padding-block:14px; flex-wrap:wrap;\r\n  }\r\n  .brand{display:flex; align-items:center; gap:10px; font-weight:800; font-size:1.5rem; line-height:1.2; letter-spacing:-0.01em;}\r\n\r\n  .btn{\r\n    display:inline-flex; align-items:center; gap:8px;\r\n    font-weight:700; font-size:0.92rem;\r\n    padding:11px 20px; border-radius:10px; border:1px solid var(--border);\r\n    text-decoration:none; cursor:pointer; background:var(--bg-elevated); color:var(--ink);\r\n    white-space:nowrap;\r\n  }\r\n  .btn-primary{background:var(--accent); color:var(--accent-ink); border-color:var(--accent); box-shadow:0 8px 18px -8px color-mix(in srgb, var(--accent) 70%, transparent);}\r\n  .btn-primary:hover{background:var(--accent-hover); border-color:var(--accent-hover);}\r\n  .btn-lg{padding:14px 26px; font-size:1rem; border-radius:12px;}\r\n  .btn:focus-visible, a:focus-visible, summary:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{\r\n    outline:2px solid var(--accent); outline-offset:2px;\r\n  }\r\n\r\n  \/* icon system *\/\r\n  .icon-chip{\r\n    border-radius:14px; display:flex; align-items:center; justify-content:center; flex:none;\r\n  }\r\n  .icon-chip svg{stroke:currentColor; stroke-width:2; fill:none; stroke-linecap:round; stroke-linejoin:round;}\r\n  .chip-blue{background:var(--accent-soft); color:var(--accent);}\r\n  .chip-amber{background:var(--accent2-soft); color:var(--accent2);}\r\n  .chip-green{background:var(--good-soft); color:var(--good);}\r\n\r\n  \/* eyebrow pill *\/\r\n  .eyebrow-pill{\r\n    display:inline-flex; align-items:center; gap:7px; padding:7px 14px; border-radius:999px;\r\n    background:var(--accent-soft); color:var(--accent); font-weight:700; font-size:0.78rem;\r\n    text-transform:uppercase; letter-spacing:0.04em; margin-bottom:16px;\r\n  }\r\n  .eyebrow-pill svg{width:14px; height:14px; stroke:currentColor; stroke-width:2.5; fill:none;}\r\n\r\n  \/* hero *\/\r\n  .hero{padding-block:40px 10px;}\r\n  .hero-grid{display:flex; gap:36px; align-items:center; flex-wrap:wrap;}\r\n  .hero-copy{flex:1 1 380px;}\r\n  .hero h1{font-size:clamp(2rem, 5vw, 2.65rem); letter-spacing:-0.01em;}\r\n  .hero-lede{font-size:1.06rem; max-width:56ch;}\r\n  .hero-actions{display:flex; gap:10px; flex-wrap:wrap; margin-top:20px;}\r\n  .trust-line{font-size:0.88rem; color:var(--muted); margin-top:14px;}\r\n\r\n  .hero-visual{flex:1 1 260px; position:relative; height:280px; min-width:240px;}\r\n  .blob{position:absolute; width:230px; height:230px; border-radius:50%; filter:blur(6px);}\r\n  .blob-blue{background:var(--accent-soft); top:-8%; left:2%;}\r\n  .blob-amber{background:var(--accent2-soft); bottom:-10%; right:4%;}\r\n  \/* obstacle divider *\/\r\n  .obstacle-divider{line-height:0; margin-block:6px;}\r\n  .obstacle-divider svg{width:100%; height:22px; display:block;}\r\n  .obstacle-path{stroke:var(--border); stroke-width:2; fill:none;}\r\n  .obstacle-x{stroke:var(--accent2); stroke-width:2; opacity:0.85; fill:none;}\r\n\r\n  \/* tinted card sections *\/\r\n  .card-section{\r\n    background:var(--tint-blue); border-radius:22px; padding:32px; margin-block:26px;\r\n  }\r\n\r\n  \/* fixed dark-navy brand cards \u2014 always dark, in both themes, so text and icons never wash out *\/\r\n  .card-dark{\r\n    background:var(--brand-navy); border-radius:22px; padding:32px; margin-block:28px; color:rgba(255,255,255,0.82);\r\n  }\r\n  .card-dark h2, .card-dark h3{color:#FFFFFF;}\r\n  .card-dark p{color:rgba(255,255,255,0.72);}\r\n  .card-dark .label{color:rgba(255,255,255,0.55);}\r\n  .card-dark .label-icon{color:var(--accent2);}\r\n  .card-dark .icon-chip{background:rgba(255,255,255,0.14); color:var(--accent2);}\r\n  .card-dark ul.list-check li{color:rgba(255,255,255,0.85); border-top-color:rgba(255,255,255,0.16);}\r\n  .card-dark .callout{background:rgba(255,255,255,0.07); border-color:rgba(255,255,255,0.16);}\r\n  .card-dark .callout p{color:rgba(255,255,255,0.78);}\r\n  .card-dark .callout strong{color:#FFFFFF;}\r\n  .card-dark .btn-primary{background:var(--accent2); border-color:var(--accent2); color:var(--accent2-ink); box-shadow:none; font-weight:800;}\r\n  .card-dark .btn-primary:hover{filter:brightness(1.06);}\r\n\r\n  .cta-band{\r\n    display:flex; align-items:center; justify-content:space-between; gap:20px; flex-wrap:wrap; padding:34px 30px;\r\n  }\r\n  .cta-band h2{margin-bottom:6px; font-size:1.4rem;}\r\n  .cta-band p{margin:0; max-width:44ch;}\r\n\r\n  \/* info grid (kiedy si\u0119 zg\u0142osi\u0107) *\/\r\n  .info-grid{display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-top:18px;}\r\n  .info-card{\r\n    display:flex; gap:14px; padding:16px; background:var(--bg-elevated); border:1px solid var(--border);\r\n    border-radius:16px;\r\n  }\r\n  .info-card .icon-chip{width:44px; height:44px;}\r\n  .info-card .icon-chip svg{width:22px; height:22px;}\r\n  .info-card h3{font-size:0.98rem; margin:0 0 3px;}\r\n  .info-card p{font-size:0.88rem; margin:0;}\r\n\r\n  \/* check list *\/\r\n  ul.list-check{margin:16px 0 0; padding:0;}\r\n  ul.list-check li{\r\n    list-style:none; padding:11px 0; display:flex; gap:12px; align-items:flex-start;\r\n    font-size:0.96rem; color:var(--ink-soft); border-top:1px solid var(--border);\r\n  }\r\n  ul.list-check li:first-child{border-top:none;}\r\n  ul.list-check .icon-chip{width:30px; height:30px; margin-top:1px;}\r\n  ul.list-check .icon-chip svg{width:16px; height:16px;}\r\n\r\n  \/* offer cards *\/\r\n  .offer-grid{display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-top:20px;}\r\n  .offer-card{\r\n    background:var(--bg-elevated); border:1px solid var(--border); border-radius:18px; padding:22px;\r\n  }\r\n  .offer-card .icon-chip{width:48px; height:48px; margin-bottom:14px;}\r\n  .offer-card .icon-chip svg{width:24px; height:24px;}\r\n  .offer-card h3{font-size:1.05rem; margin-bottom:6px;}\r\n  .offer-card p{font-size:0.92rem; margin:0;}\r\n\r\n  \/* steps *\/\r\n  .step-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin-top:20px;}\r\n  .step-card{\r\n    background:var(--bg-elevated); border:1px solid var(--border); border-radius:18px; padding:20px; position:relative;\r\n  }\r\n  .step-card .icon-chip{width:48px; height:48px; margin-bottom:14px;}\r\n  .step-card .icon-chip svg{width:24px; height:24px;}\r\n  .step-num{\r\n    position:absolute; top:14px; right:16px; font-weight:800; font-size:0.82rem; color:var(--muted);\r\n  }\r\n  .step-card h3{font-size:1rem; margin:0 0 5px;}\r\n  .step-card p{font-size:0.88rem; margin:0;}\r\n\r\n  .callout{\r\n    border:1px solid var(--border); border-radius:16px; padding:20px 22px; margin-top:18px;\r\n    background:var(--bg-elevated); display:flex; gap:16px; align-items:flex-start;\r\n  }\r\n  .callout .icon-chip{width:40px;height:40px; margin-top:2px;}\r\n  .callout .icon-chip svg{width:20px;height:20px;}\r\n  .callout p:last-child{margin-bottom:0;}\r\n\r\n  \/* faq *\/\r\n  .faq-list{display:flex; flex-direction:column; gap:10px; margin-top:18px;}\r\n  details.faq{\r\n    background:var(--bg-elevated); border:1px solid var(--border); border-radius:14px; padding:16px 18px;\r\n  }\r\n  details.faq summary{\r\n    cursor:pointer; font-weight:700; list-style:none; display:flex; justify-content:space-between; align-items:center; gap:12px;\r\n  }\r\n  details.faq summary::-webkit-details-marker{display:none;}\r\n  details.faq summary::after{\r\n    content:\"+\"; font-size:1.3rem; font-weight:400; color:var(--accent); flex:none; line-height:1;\r\n  }\r\n  details.faq[open] summary::after{content:\"\u2013\";}\r\n  details.faq p{margin-top:10px; font-size:0.94rem;}\r\n\r\n  \/* next-steps mini row *\/\r\n  .mini-steps{display:flex; gap:16px; flex-wrap:wrap; margin:18px 0 4px;}\r\n  .mini-step{display:flex; align-items:center; gap:10px; font-size:0.88rem; color:var(--ink-soft); font-weight:600;}\r\n  .mini-step .icon-chip{width:34px; height:34px;}\r\n  .mini-step .icon-chip svg{width:17px; height:17px;}\r\n\r\n  \/* contact *\/\r\n  .contact-direct{display:flex; flex-direction:column; gap:8px; margin:16px 0 24px;}\r\n  .contact-direct a{font-weight:700; text-decoration:none;}\r\n  form#contact-form{display:flex; flex-direction:column; gap:12px; max-width:480px;}\r\n  .field{display:flex; flex-direction:column; gap:6px;}\r\n  .field label{font-size:0.82rem; font-weight:600; color:var(--ink-soft);}\r\n  .field input, .field select, .field textarea{\r\n    font-family:inherit; font-size:0.96rem;\r\n    padding:11px 13px; border-radius:10px; border:1px solid var(--border);\r\n    background:var(--bg-elevated); color:var(--ink);\r\n  }\r\n  .field textarea{resize:vertical; min-height:70px;}\r\n  .consent{display:flex; gap:10px; align-items:flex-start; font-size:0.82rem; color:var(--muted);}\r\n  .consent input{margin-top:3px;}\r\n  .form-note{font-size:0.78rem; color:var(--muted); margin:2px 0 0;}\r\n  #form-status{font-size:0.85rem; margin-top:4px; min-height:1.2em; color:var(--ink-soft);}\r\n\r\n  \/* footer *\/\r\n  footer{padding-block:30px; font-size:0.8rem; color:var(--muted); border-top:1px solid var(--border);}\r\n  footer p{color:var(--muted); font-size:0.8rem; margin-bottom:0.8em;}\r\n\r\n  @media (max-width:640px){\r\n    .info-grid, .offer-grid, .step-grid{grid-template-columns:1fr;}\r\n    .hero-visual{height:220px;}\r\n    .cta-band{padding:26px 22px;}\r\n    .card-section, .card-dark{padding:22px;}\r\n  }\r\n<\/style>\r\n\r\n<header class=\"site\">\r\n  <div class=\"header-inner wrap\">\r\n    <div class=\"brand\">\r\n      <span>Kredyt Pomimo<\/span>\r\n    <\/div>\r\n    <a class=\"btn btn-primary\" href=\"#kontakt\">Sprawd\u017a mo\u017cliwo\u015bci<\/a>\r\n  <\/div>\r\n<\/header>\r\n\r\n<main class=\"wrap\">\r\n\r\n  <section class=\"hero\">\r\n    <div class=\"hero-grid\">\r\n      <div class=\"hero-copy\">\r\n        <span class=\"eyebrow-pill\">\r\n          <svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg>\r\n          Finansowanie dla JDG i os\u00f3b prywatnych\r\n        <\/span>\r\n        <h1>Bank odm\u00f3wi\u0142 kredytu? Powiemy ci co warto zmieni\u0107.<\/h1>\r\n        <p class=\"hero-lede\">Prowadzisz dzia\u0142alno\u015b\u0107 gospodarcz\u0105 lub pracujesz na umowie i s\u0142ysza\u0142e\u015b ju\u017c odmowy w banku? Sprawdzamy realne mo\u017cliwo\u015bci finansowania - pomimo straty wykazanej na dzia\u0142alno\u015bci, zaleg\u0142o\u015bci w ZUS lub Urz\u0119dzie Skarbowym, czy zaleg\u0142o\u015bciach w BIK.<\/p>\r\n        <div class=\"hero-actions\">\r\n          <a class=\"btn btn-primary btn-lg\" href=\"#kontakt\">Sprawd\u017a swoje mo\u017cliwo\u015bci<\/a>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"hero-visual\" aria-hidden=\"true\">\r\n        <div class=\"blob blob-blue\"><\/div>\r\n        <div class=\"blob blob-amber\"><\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/section>\r\n\r\n  <div class=\"obstacle-divider\" aria-hidden=\"true\">\r\n    <svg viewBox=\"0 -6 800 28\" preserveAspectRatio=\"none\">\r\n      <path class=\"obstacle-path\" d=\"M0,16 C20,16 30,2 50,2 C70,2 80,16 100,16 C120,16 130,2 150,2 C170,2 180,16 200,16 C220,16 230,2 250,2 C270,2 280,16 300,16 C320,16 330,2 350,2 C370,2 380,16 400,16 C420,16 430,2 450,2 C470,2 480,16 500,16 C520,16 530,2 550,2 C570,2 580,16 600,16 C620,16 630,2 650,2 C670,2 680,16 700,16 C720,16 730,2 750,2 C770,2 780,16 800,16\"\/>\r\n      <path class=\"obstacle-x\" d=\"M46,-2 L54,6 M46,6 L54,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M246,-2 L254,6 M246,6 L254,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M446,-2 L454,6 M446,6 L454,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M646,-2 L654,6 M646,6 L654,-2\"\/>\r\n    <\/svg>\r\n  <\/div>\r\n\r\n  <section>\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><circle cx=\"10\" cy=\"10\" r=\"6\"\/><path d=\"M15 15l5 5\"\/><\/svg><\/span>\r\n      <span class=\"label\">Kiedy si\u0119 zg\u0142osi\u0107<\/span>\r\n    <\/div>\r\n    <h2>Rozpoznajesz swoj\u0105 sytuacj\u0119?<\/h2>\r\n    <div class=\"info-grid\">\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 7l6 6 3-3 7 7\"\/><path d=\"M14 17h6v-6\"\/><\/svg><\/div>\r\n        <div><h3>Strata w zeznaniu podatkowym<\/h3><p>Bank odm\u00f3wi\u0142, bo firma wykaza\u0142a strat\u0119.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 4l9 16H3z\"\/><path d=\"M12 10v4\"\/><circle cx=\"12\" cy=\"17\" r=\"1\" fill=\"currentColor\" stroke=\"none\"\/><\/svg><\/div>\r\n        <div><h3>Zaleg\u0142o\u015bci ZUS lub US<\/h3><p>Nawet je\u015bli ju\u017c sp\u0142acone lub roz\u0142o\u017cone na raty.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9 9l6 6M15 9l-6 6\"\/><\/svg><\/div>\r\n        <div><h3>Wpis w BIK<\/h3><p>Op\u00f3\u017anienie lub negatywny wpis z przesz\u0142o\u015bci.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><rect x=\"4\" y=\"5\" width=\"16\" height=\"15\" rx=\"2\"\/><path d=\"M4 10h16M8 3v4M16 3v4\"\/><\/svg><\/div>\r\n        <div><h3>Kr\u00f3tki sta\u017c firmy<\/h3><p>Dzia\u0142asz kr\u00f3cej, ni\u017c standardowo wymagaj\u0105 banki.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M3 12c2 -4 4 -4 6 0s4 4 6 0 4 -4 6 0\"\/><path d=\"M3 17c2 -4 4 -4 6 0s4 4 6 0 4 -4 6 0\"\/><\/svg><\/div>\r\n        <div><h3>Sezonowe przychody<\/h3><p>Trudno to wyt\u0142umaczy\u0107 w standardowym banku.<\/p><\/div>\r\n      <\/div>\r\n      <div class=\"info-card\">\r\n        <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 21V9l8-5 8 5v12\"\/><path d=\"M9 21v-6h6v6\"\/><\/svg><\/div>\r\n        <div><h3>Nietypowy doch\u00f3d z JDG<\/h3><p>Bank inaczej liczy doch\u00f3d ni\u017c w umowie o prac\u0119.<\/p><\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <div class=\"card-dark\">\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><circle cx=\"8\" cy=\"9\" r=\"5\"\/><path d=\"M8 7v4M6.5 9h3\"\/><circle cx=\"16\" cy=\"15\" r=\"5\"\/><path d=\"M16 13v4M14.5 15h3\"\/><\/svg><\/span>\r\n      <span class=\"label\">Konsolidacja<\/span>\r\n    <\/div>\r\n    <h2>Czy przep\u0142acasz za obecne kredyty?<\/h2>\r\n    <p>Je\u015bli sp\u0142acasz kilka zobowi\u0105za\u0144 naraz, prawdopodobnie p\u0142acisz wi\u0119cej, ni\u017c musisz - ka\u017cdy kredyt ma osobn\u0105 prowizj\u0119, ubezpieczenie i oprocentowanie, a te koszty si\u0119 sumuj\u0105.<\/p>\r\n    <ul class=\"list-check\">\r\n      <li><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/span>Suma rat kilku kredyt\u00f3w jest wy\u017csza, ni\u017c mog\u0142aby by\u0107 jedna rata konsolidacyjna.<\/li>\r\n      <li><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/span>Cz\u0119\u015b\u0107 zobowi\u0105za\u0144 wzi\u0119to dawno, przy wy\u017cszym oprocentowaniu ni\u017c dzi\u015b jest oferowane.<\/li>\r\n      <li><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/span>P\u0142acisz osobno za kilka ubezpiecze\u0144 i pakiet\u00f3w dodatkowych do r\u00f3\u017cnych kredyt\u00f3w.<\/li>\r\n      <li><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/span>Terminy p\u0142atno\u015bci s\u0105 rozproszone i zdarzaj\u0105 si\u0119 op\u00f3\u017anienia, a z nimi dodatkowe koszty.<\/li>\r\n    <\/ul>\r\n    <div class=\"callout\">\r\n      <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 3l7 3v5c0 5-3.5 8.5-7 10-3.5-1.5-7-5-7-10V6l7-3z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/svg><\/div>\r\n      <p><strong>Kiedy konsolidacja si\u0119 op\u0142aca, a kiedy nie.<\/strong> Ma to sens, gdy nowa, pojedyncza rata i ca\u0142kowity koszt nowego kredytu s\u0105 ni\u017csze ni\u017c suma tego, co p\u0142acisz dzi\u015b. Nie zawsze tak jest -  wyd\u0142u\u017cenie okresu sp\u0142aty potrafi obni\u017cy\u0107 rat\u0119, ale podnie\u015b\u0107 ca\u0142kowity koszt w d\u0142u\u017cszej perspektywie. Zanim co\u015b podpiszesz, warto to policzy\u0107, a nie zgadywa\u0107.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <section id=\"oferta\">\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M7 3h7l4 4v14H7z\"\/><path d=\"M14 3v4h4\"\/><path d=\"M9.5 14l2 2 4-4\"\/><\/svg><\/span>\r\n      <span class=\"label\">Co sprawdzam<\/span>\r\n    <\/div>\r\n    <h2>Finansowanie dla firmy i dla Ciebie<\/h2>\r\n    <div class=\"offer-grid\">\r\n      <div class=\"offer-card\">\r\n        <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 21V9l8-5 8 5v12\"\/><path d=\"M9 21v-6h6v6\"\/><\/svg><\/div>\r\n        <h3>Dla firmy (JDG)<\/h3>\r\n        <p>Kredyt obrotowy, kredyt inwestycyjny, leasing, faktoring \u2014 a gdy klasyczny kredyt bankowy odpada, tak\u017ce po\u017cyczki pozabankowe jako uzupe\u0142nienie oferty bank\u00f3w.<\/p>\r\n      <\/div>\r\n      <div class=\"offer-card\">\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><rect x=\"3\" y=\"7\" width=\"18\" height=\"12\" rx=\"2\"\/><path d=\"M3 10h18\"\/><circle cx=\"16\" cy=\"14\" r=\"1.4\" fill=\"currentColor\" stroke=\"none\"\/><\/svg><\/div>\r\n        <h3>Prywatnie, jako w\u0142a\u015bciciel firmy<\/h3>\r\n        <p>Kredyt got\u00f3wkowy i konsolidacja zobowi\u0105za\u0144, z uwzgl\u0119dnieniem tego, jak instytucje faktycznie licz\u0105 doch\u00f3d z jednoosobowej dzia\u0142alno\u015bci.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <div class=\"card-section\">\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3.5 2\"\/><\/svg><\/span>\r\n      <span class=\"label\">Jak to wygl\u0105da<\/span>\r\n    <\/div>\r\n    <h2>Trzy kroki<\/h2>\r\n    <div class=\"step-grid\">\r\n      <div class=\"step-card\">\r\n        <span class=\"step-num\">01<\/span>\r\n        <div class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 5h16v11H8l-4 4z\"\/><\/svg><\/div>\r\n        <h3>Rozmowa i dokumenty<\/h3>\r\n        <p>M\u00f3wisz mi o sytuacji \u2014 patrzymy razem na zeznania podatkowe, stan ZUS\/US i BIK.<\/p>\r\n      <\/div>\r\n      <div class=\"step-card\">\r\n        <span class=\"step-num\">02<\/span>\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><circle cx=\"10\" cy=\"10\" r=\"6\"\/><path d=\"M15 15l5 5\"\/><\/svg><\/div>\r\n        <h3>Sprawdzam opcje<\/h3>\r\n        <p>Konsultujemy si\u0119 ze wszystkimi bankami i szukamy najlepszych warunk\u00f3w<\/p>\r\n      <\/div>\r\n      <div class=\"step-card\">\r\n        <span class=\"step-num\">03<\/span>\r\n        <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"9\" r=\"5\"\/><path d=\"M9 13l-2 8 5-3 5 3-2-8\"\/><\/svg><\/div>\r\n        <h3>Wyb\u00f3r i finalizacja<\/h3>\r\n        <p>Pokazuj\u0119 realne warianty z jasnym por\u00f3wnaniem \u2014 Ty decydujesz, ja pilnuj\u0119 formalno\u015bci.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <section>\r\n    <div class=\"callout\">\r\n      <div class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><rect x=\"5\" y=\"11\" width=\"14\" height=\"9\" rx=\"2\"\/><path d=\"M8 11V8a4 4 0 0 1 8 0v3\"\/><\/svg><\/div>\r\n      <div>\r\n        <p><strong>Uczciwie:<\/strong> nie obiecuj\u0119 kredytu ka\u017cdemu. Czasem odpowied\u017a brzmi \u201ejeszcze nie teraz\" \u2014 wtedy m\u00f3wi\u0119 wprost, co warto zmieni\u0107, \u017ceby kolejny wniosek mia\u0142 sens.<\/p>\r\n        <p>Sprawdzenie mo\u017cliwo\u015bci nic nie kosztuje i do niczego nie zobowi\u0105zuje.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <div class=\"card-dark cta-band\">\r\n    <div>\r\n      <h2>Sprawd\u017amy, co da si\u0119 zrobi\u0107<\/h2>\r\n      <p>Bezp\u0142atna, poufna analiza Twojej sytuacji \u2014 porozmawiajmy o mo\u017cliwo\u015bciach.<\/p>\r\n    <\/div>\r\n    <a class=\"btn btn-primary btn-lg\" href=\"#kontakt\">Sprawd\u017a swoje mo\u017cliwo\u015bci<\/a>\r\n  <\/div>\r\n\r\n  <section>\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 4l9 16H3z\"\/><path d=\"M12 10v4\"\/><circle cx=\"12\" cy=\"17\" r=\"1\" fill=\"currentColor\" stroke=\"none\"\/><\/svg><\/span>\r\n      <span class=\"label\">Pytania<\/span>\r\n    <\/div>\r\n    <h2>Najcz\u0119\u015bciej pytacie o to<\/h2>\r\n    <div class=\"faq-list\">\r\n      <details class=\"faq\">\r\n        <summary>Czy zaleg\u0142o\u015b\u0107 w ZUS lub US wyklucza kredyt?<\/summary>\r\n        <p>Nie zawsze. Liczy si\u0119 m.in. to, czy zaleg\u0142o\u015b\u0107 jest roz\u0142o\u017cona na raty i jak wygl\u0105da bie\u017c\u0105ca sytuacja firmy. Sprawdzam to indywidualnie.<\/p>\r\n      <\/details>\r\n      <details class=\"faq\">\r\n        <summary>Czy wpis w BIK oznacza automatyczn\u0105 odmow\u0119?<\/summary>\r\n        <p>Nie w ka\u017cdej instytucji \u2014 cz\u0119\u015b\u0107 z nich ocenia ryzyko inaczej ni\u017c du\u017ce banki uniwersalne.<\/p>\r\n      <\/details>\r\n      <details class=\"faq\">\r\n        <summary>Jak d\u0142ugo musi dzia\u0142a\u0107 moja firma?<\/summary>\r\n        <p>Zale\u017cnie od instytucji. Sprawdzam te\u017c opcje dla firm dzia\u0142aj\u0105cych kr\u00f3cej, ni\u017c standardowo wymagane 12\u201324 miesi\u0105ce.<\/p>\r\n      <\/details>\r\n      <details class=\"faq\">\r\n        <summary>Czy analiza mojej sytuacji jest p\u0142atna?<\/summary>\r\n        <p>Nie. Wst\u0119pna rozmowa i sprawdzenie mo\u017cliwo\u015bci s\u0105 bezp\u0142atne i niczego nie przes\u0105dzaj\u0105.<\/p>\r\n      <\/details>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <div class=\"obstacle-divider\" aria-hidden=\"true\">\r\n    <svg viewBox=\"0 -6 800 28\" preserveAspectRatio=\"none\">\r\n      <path class=\"obstacle-path\" d=\"M0,16 C20,16 30,2 50,2 C70,2 80,16 100,16 C120,16 130,2 150,2 C170,2 180,16 200,16 C220,16 230,2 250,2 C270,2 280,16 300,16 C320,16 330,2 350,2 C370,2 380,16 400,16 C420,16 430,2 450,2 C470,2 480,16 500,16 C520,16 530,2 550,2 C570,2 580,16 600,16 C620,16 630,2 650,2 C670,2 680,16 700,16 C720,16 730,2 750,2 C770,2 780,16 800,16\"\/>\r\n      <path class=\"obstacle-x\" d=\"M46,-2 L54,6 M46,6 L54,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M246,-2 L254,6 M246,6 L254,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M446,-2 L454,6 M446,6 L454,-2\"\/>\r\n      <path class=\"obstacle-x\" d=\"M646,-2 L654,6 M646,6 L654,-2\"\/>\r\n    <\/svg>\r\n  <\/div>\r\n\r\n  <section id=\"kontakt\">\r\n    <div class=\"label-row\">\r\n      <span class=\"label-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 5h16v11H8l-4 4z\"\/><\/svg><\/span>\r\n      <span class=\"label\">Kontakt<\/span>\r\n    <\/div>\r\n    <h2>Sprawd\u017amy, co da si\u0119 zrobi\u0107<\/h2>\r\n    <p>Odpowiadam w dni robocze \u2014 daj mi chwil\u0119 na sprawdzenie mo\u017cliwo\u015bci.<\/p>\r\n\r\n    <div class=\"mini-steps\">\r\n      <div class=\"mini-step\"><span class=\"icon-chip chip-blue\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 5h16v11H8l-4 4z\"\/><\/svg><\/span>Wysy\u0142asz zapytanie<\/div>\r\n      <div class=\"mini-step\"><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><circle cx=\"10\" cy=\"10\" r=\"6\"\/><path d=\"M15 15l5 5\"\/><\/svg><\/span>Sprawdzam opcje<\/div>\r\n      <div class=\"mini-step\"><span class=\"icon-chip chip-amber\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 13l4 4L19 7\"\/><\/svg><\/span>Wracam z odpowiedzi\u0105<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"contact-direct\">\r\n      <a href=\"tel:+48000000000\">+48 786 339 897<\/a>\r\n      <a href=\"mailto:kontakt@kredytpomimo.pl\">kontakt@kredytpomimo.pl<\/a>\r\n    <\/div>\r\n    <form id=\"contact-form\" novalidate>\r\n      <div class=\"field\">\r\n        <label for=\"cf-name\">Imi\u0119 i nazwisko<\/label>\r\n        <input id=\"cf-name\" name=\"name\" type=\"text\" placeholder=\"Jak mam si\u0119 do Ciebie zwraca\u0107?\" required>\r\n      <\/div>\r\n      <div class=\"field\">\r\n        <label for=\"cf-phone\">Telefon<\/label>\r\n        <input id=\"cf-phone\" name=\"phone\" type=\"tel\" placeholder=\"Numer, pod kt\u00f3ry oddzwoni\u0119\" required>\r\n      <\/div>\r\n      <div class=\"field\">\r\n        <label for=\"cf-email\">E-mail<\/label>\r\n        <input id=\"cf-email\" name=\"email\" type=\"email\" placeholder=\"Na ten adres prze\u015bl\u0119 informacje\" required>\r\n      <\/div>\r\n      <div class=\"field\">\r\n        <label for=\"cf-message\">Wiadomo\u015b\u0107 (opcjonalnie)<\/label>\r\n        <textarea id=\"cf-message\" name=\"message\" placeholder=\"Kilka s\u0142\u00f3w o Twojej sytuacji\"><\/textarea>\r\n      <\/div>\r\n \r\n      <button class=\"btn btn-primary\" type=\"submit\" style=\"align-self:flex-start;\">Wy\u015blij zapytanie<\/button>\r\n      <p class=\"form-note\">Po klikni\u0119ciu otworzy si\u0119 Tw\u00f3j program pocztowy z gotow\u0105 wiadomo\u015bci\u0105.<\/p>\r\n      <p id=\"form-status\" role=\"status\"><\/p>\r\n    <\/form>\r\n  <\/section>\r\n\r\n<\/main>\r\n\r\n<footer>\r\n  <div class=\"wrap\" id=\"rodo\">\r\n    <p>\u00a9 <span id=\"cf-year\"><\/span> Kredyt Pomimo \u00b7 Wroc\u0142aw<\/p>\r\n  <\/div>\r\n<\/footer>\r\n\r\n<script>\r\n  (function(){\r\n    var yearEl = document.getElementById('cf-year');\r\n    if (yearEl) yearEl.textContent = new Date().getFullYear();\r\n\r\n    var form = document.getElementById('contact-form');\r\n    var status = document.getElementById('form-status');\r\n    if (form) {\r\n      form.addEventListener('submit', function (e) {\r\n        e.preventDefault();\r\n        var name = document.getElementById('cf-name').value.trim();\r\n        var phone = document.getElementById('cf-phone').value.trim();\r\n        var email = document.getElementById('cf-email').value.trim();\r\n        var nip = document.getElementById('cf-nip').value.trim();\r\n        var topic = document.getElementById('cf-topic').value;\r\n        var message = document.getElementById('cf-message').value.trim();\r\n        var consent = document.getElementById('cf-consent').checked;\r\n\r\n        if (!name || !phone || !email || !topic || !consent) {\r\n          status.textContent = 'Uzupe\u0142nij imi\u0119, telefon, e-mail, temat i zaznacz zgod\u0119 na przetwarzanie danych.';\r\n          return;\r\n        }\r\n\r\n        var subject = 'Zapytanie ze strony Kredyt Pomimo \u2013 ' + topic;\r\n        var bodyLines = [\r\n          'Imi\u0119 i nazwisko: ' + name,\r\n          'Telefon: ' + phone,\r\n          'E-mail: ' + email,\r\n          'NIP firmy: ' + (nip || '\u2014'),\r\n          'Temat: ' + topic,\r\n          'Wiadomo\u015b\u0107: ' + (message || '\u2014')\r\n        ];\r\n        var mailto = 'mailto:kontakt@kredytpomimo.pl'\r\n          + '?subject=' + encodeURIComponent(subject)\r\n          + '&body=' + encodeURIComponent(bodyLines.join('\\n'));\r\n\r\n        status.textContent = 'Otwieram Tw\u00f3j program pocztowy\u2026';\r\n        window.location.href = mailto;\r\n      });\r\n    }\r\n  })();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kredyt Pomimo Kredyt Pomimo Sprawd\u017a mo\u017cliwo\u015bci Finansowanie dla JDG i os\u00f3b prywatnych Bank odm\u00f3wi\u0142 kredytu? Powiemy ci co warto zmieni\u0107. Prowadzisz dzia\u0142alno\u015b\u0107 gospodarcz\u0105 lub pracujesz na umowie i s\u0142ysza\u0142e\u015b ju\u017c odmowy w banku? Sprawdzamy realne mo\u017cliwo\u015bci finansowania &#8211; pomimo straty wykazanej na dzia\u0142alno\u015bci, zaleg\u0142o\u015bci w ZUS lub Urz\u0119dzie Skarbowym, czy zaleg\u0142o\u015bciach w BIK. Sprawd\u017a swoje [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-18","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/pages\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18"}],"version-history":[{"count":14,"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/pages\/18\/revisions"}],"predecessor-version":[{"id":35,"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=\/wp\/v2\/pages\/18\/revisions\/35"}],"wp:attachment":[{"href":"https:\/\/kredytpomimo.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}