Invest in Poland's Private
Credit Market
Short-term B2B lending backed by real estate collateral
For accredited investors only.
NOW RAISING $10M
Fixed Returns
Monthly Draws
12 & 24 Mo Terms
$50K Minimum Investment
How It Works
Investors commit funds through EPM Capital
EPM funds real-estate backed B2B loans in Poland
Investors receive fixed-returns as monthly payments
Track Record
Capital Deployed
Active Loans
Years Lending in Poland
Realized Capital Losses
LTV Requirement
Typical loan term
Why Poland
Strong Economic Growth
Poland has been one of Europe’s stronger growth markets, creating an active business environment.
Underserved Private Credit Market
Businesses often need faster and more flexible financing than traditional banks provide.
Reliable Collateral Base
Real estate collateral provides a tangible foundation for secured lending.
Local Access Matters
EPM’s local relationships and four-year track record provide access to opportunities that are difficult to source directly.
Our Lending Approach
EPM issues short-duration business-purpose loans backed by real estate collateral, with defined repayment sources and local servicing oversight.
Collateral
- Real estate collateral on every loan
- LTV below 50%
- Legal enforcement rights
Loans
- B2B commercial loans
- Average loan size: ~$100,000
- Typical term: 12 months
Servicing
- Monthly borrower payments
- Local servicing partners
- Defined escalation for non-payment
FAQ
How does EPM manage the USD to PLN currency risk?
EPM uses forward contracts to help manage USD<>PLN exchange risk when moving investor capital into and out of Poland. The goal is to reduce currency uncertainty and better plan repatriation of funds at the end of the investment term.
How does EPM manage the risk of investing in Poland?
EPM has been issuing similar loans in Poland for more than four years and works with local servicers, lawyers, accountants, and market relationships to support origination, servicing, compliance, and collections.
Will my money be locked up for the entire investment term?
This is a private investment and should generally be treated as illiquid for the selected term. Investors may receive monthly interest payments, and early withdrawal may be available when liquidity permits, subject to the terms of the offering documents.
Why not invest in U.S. private credit instead?
Poland's private credit market is less developed than the U.S. market, creating opportunities for higher borrower rates where bank financing is limited or slow. EPM’s role is to access those opportunities through disciplined underwriting, collateral requirements, and local execution.
What happens if a borrower does not pay?
Investor capital is supported by a diversified portfolio of loans, not tied to a single borrower. When a borrower does not pay, EPM relies on legal documentation, collateral rights, and local recovery processes to pursue repayment. EPM has recorded no realized capital losses to date across more than four years of lending activity.
How much interest does my investment make?
Please request investor materials at the bottom of the page for more information.
About the Team
EPM started in 2022 by lending its own capital in Poland and building the local relationships needed to source, underwrite, service, and manage loans. This fund is the next step: scaling a private credit strategy built through direct operating experience.
Paul Marczynski
Paul Marczynski is the founder of Peak Financial Management and a partner at MBO Northwest, a private credit lending firm he has helped lead since 2016. With more than ten years of private lending experience and over three decades as a real estate investor, Paul brings deep credit, collateral, and borrower-underwriting experience to EPM.
Oliver Marczynski
Oliver Marczynski leads EPM’s operating systems, investor materials, reporting, and internal processes. His background includes helping grow early-stage venture-backed startups and portfolio management work at Peak Financial Management. His focus is on building clear, durable systems for borrowers, investors, and the EPM team.
Local Execution
EPM works with local Polish partners for borrower sourcing, servicing, accounting, legal coordination, and collections.
Get in Touch
Request Investor Materials
Submit your information below and we will send an overview of EPM Capital, including our investor deck and current offering materials.
Schedule a Call
Prefer to speak directly? Schedule a call to discuss the investment strategy and next steps.
Email Us
info@epmcapital.com
For accredited investors only. This website is for informational purposes only and is not an offer to sell securities. Any investment opportunity will be made only through official offering documents, which contain complete terms, risks, and subscription requirements.