Best Structured Finance Lawyers in Poland

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Residence Angels

Residence Angels

15 minutes Free Consultation
Warsaw, Poland

Founded in 2023
9 people in their team
Polish
English
Ukrainian
Russian
Nepali
Hindi
Urdu
Belarusian
Residence Angels is your trusted partner to immigrate to Poland. We specialize in Polish TRC (Temporary Residence Card) under the new 2025 rules, Permanent Residence, Blue Card, Pole’s Card, and Polish citizenship. Whether you're moving to Poland from the USA, retiring in Poland, or wondering how...
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Founded in 1991
500 people in their team
Polish
English
ABOUT THE LAW FIRMSołtysiński Kawecki & Szlęzak law firm advises Polish and foreign clients on domestic and international business ventures and on litigation matters. Operating continuously since 1991 as an independent Polish company, we have gained one of the leading positions on the legal...

Founded in 2000
50 people in their team
Polish
English
We have been providing comprehensive services to entrepreneurs, individual clients and non-governmental organizations for over 25 years. We are a law firm based in Łódź with a nationwide reach. We help entrepreneurs in all aspects of their activity, we advise on EU projects, we deal with...
DZP - law firm
Warsaw, Poland

Founded in 1993
50 people in their team
Polish
English
In a complex market environment, comprehensive and effective solutions are essential. Access to information and knowledge bring real benefits only when your decisions are made taking into account many aspects and business nuances.This is what "more than the law" means to us. Our clients trust us...
Kancelaria Radcy Prawnego Marcin May
Bielany Wroclawskie, Poland

Founded in 2011
5 people in their team
Polish
English
The Law Firm of Legal Counsel Marcin May provides professional legal services to enterprises, public administration entities, as well as natural persons. The founder of the law firm is Legal Counsel Marcin May. The customer service office is located in a cozy area of ​​Popowice, and at the same...
Lawyer Agnieszka Moszczyńska
Bielany Wroclawskie, Poland

Founded in 2010
50 people in their team
Polish
English
WROCLAW LAW FIRMAgnieszka Moszczyńska Law Firm in Wrocław was founded in 2010. Its most important goal is to provide legal assistance to everyone who needs it, in a form and scope adapted to the client's situation.In order to meet the expectations of our Clients, over time the Law Firm has...

Founded in 2019
5 people in their team
Polish
English
Wojciech Kremer Kancelaria Radcy Prawnego provides professional legal services both for businesses and for individuals who do not conduct business activity. We specialize in civil law, company law, bankruptcy and restructuring law, as well as in court proceedings, and provide ongoing legal services...
Maciej Sota Law Office
Warsaw, Poland

Founded in 2006
50 people in their team
Polish
English
ABOUT USIntroductionThe Legal Office of Maciej Sota, Legal Counsel, was registered in 2006. It was established to provide comprehensive legal assistance to entrepreneurs, institutions and individuals. Our law firm has many years of experience on the market and practical knowledge in many areas of...
adwokat Wojciech Rudzki
Krakow, Poland

Founded in 2000
50 people in their team
Polish
English
attorney Wojciech RudzkiI am an advocate entered on the list of advocates kept by the District Bar Association in Krakow under the number KRA/Adw/3310. Krakow is the city where my law firm is based.Before I set up my own law firm in Krakow, I worked in reputable law firms and was also a corporate...
Kopeć & Zaborowski (KKZ)
Warsaw, Poland

Founded in 2015
200 people in their team
Polish
English
Kopeć & Zaborowski (KKZ) is one of the leading firms on the Polish legal market, which specializes in cases in the field of criminal law, economic law, press law, protection of personal rights and also in the field of labor law. In addition, KKZ conducts, on behalf of business entities,...
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About Structured Finance Law in Poland

Structured finance is an area of law and finance that involves complex financial instruments tailored to meet unique funding requirements that cannot be readily satisfied by conventional financing. In Poland, structured finance plays a pivotal role in supporting corporate growth, infrastructure projects, and investment activities, especially for large entities operating in diverse sectors such as real estate, energy, and banking. The development of structured finance in Poland has been influenced by both Polish law and European Union regulations, creating a sophisticated yet tightly regulated environment for arranging and managing structured transactions.

Why You May Need a Lawyer

Engaging a lawyer with expertise in structured finance can be crucial for several reasons. Common scenarios where legal assistance is needed include:

  • Structuring or negotiating complex financial transactions such as securitizations, syndicated loans, or project finance
  • Ensuring compliance with Polish banking laws and EU directives concerning structured products
  • Mitigating risks associated with cross-border investments and international financing structures
  • Drafting and reviewing transaction documents, collateral arrangements, and security mechanisms
  • Resolving disputes arising from structured finance agreements
  • Managing regulatory approvals and communications with the Polish Financial Supervision Authority (KNF)
  • Aligning deal structures with tax, bankruptcy, and insolvency frameworks in Poland

Given the highly technical nature of structured finance, even experienced business professionals often require specialized legal guidance to navigate the intricacies and avoid costly pitfalls.

Local Laws Overview

Several key Polish laws and regulations govern structured finance activities. These include:

  • The Banking Law Act - Governs the operations of banks participating in structured finance, including lending and securitization.
  • The Civil Code - Sets fundamental rules for contract formation, security arrangements, and enforcement proceedings.
  • The Bankruptcy and Restructuring Law - Regulates insolvency proceedings, which are highly relevant for structuring security and prioritizing creditor claims.
  • EU Regulations - Polish law incorporates EU directives and regulations, such as the Capital Requirements Regulation (CRR) and the Securitisation Regulation, ensuring harmonized standards for risk retention and disclosure.
  • Tax Laws - Tax treatment of financial instruments affects deal structures and requires careful planning to optimize fiscal outcomes.
  • KNF Regulations - The Polish Financial Supervision Authority issues guidelines and supervises the market to ensure compliance and financial stability.

When dealing with structured finance in Poland, parties must also consider regulatory permissions, disclosure obligations, and cross-border transaction requirements to ensure all aspects of the deal are legally sound.

Frequently Asked Questions

What is structured finance and how does it differ from traditional financing in Poland?

Structured finance involves customizing financial arrangements, often using special purpose vehicles and asset-backed securities, to address complex needs that conventional loans cannot meet. In Poland, this often includes securitization, collateralized debt, and advanced forms of project finance.

Who are the main participants in structured finance transactions in Poland?

Key participants typically include originators (like banks or corporations), investors, special purpose vehicles (SPVs), trustees, and various service providers such as legal advisors, auditors, and rating agencies.

Is securitization permitted in Poland, and what legal considerations apply?

Yes, securitization is legal in Poland, and it is governed by local law as well as EU regulations. SPVs are commonly established, and parties must address disclosure, risk retention, and investor protection rules.

What regulatory bodies oversee structured finance in Poland?

The most important regulator is the Polish Financial Supervision Authority (KNF). The Ministry of Finance and the National Bank of Poland may also become involved, particularly regarding systemic risk and taxation.

What are common risks associated with structured finance in Poland?

Risks include credit risk, regulatory risk, tax risk, insolvency risk, and complexity risk due to the sophisticated structures involved. A skilled specialist lawyer is essential for risk mitigation.

How does Polish law treat collateral in structured finance deals?

Polish law allows for various forms of collateral, including mortgages and pledges. The precise structuring of security interests is crucial, especially in insolvency scenarios, to protect creditors' rights.

Can foreign entities participate in structured finance deals in Poland?

Yes, foreign entities can invest or arrange structured deals in Poland, but they must comply with local and EU regulations, including those related to anti-money laundering and cross-border investment controls.

What documentation is required for structured finance transactions?

Standard documents include term sheets, facility agreements, security documents, SPV incorporation papers, offering circulars, and legal opinions, all tailored to Polish legal requirements and transaction specifics.

Is tax planning important in structured finance in Poland?

Tax treatment significantly affects the viability of structured deals. Both Polish domestic tax codes and double taxation treaties can impact payment flows and overall project returns. Legal and tax advice is strongly recommended.

How can disputes in structured finance be resolved in Poland?

Disputes may be resolved through negotiation, mediation, litigation in Polish courts, or arbitration, depending on the contractual terms. Specialized legal support is essential for navigating complex cases.

Additional Resources

If you require further information or wish to stay updated on structured finance developments in Poland, consider these resources:

  • Polish Financial Supervision Authority (KNF) - Guides and regulatory updates
  • Ministry of Finance - Taxation and regulatory materials
  • National Bank of Poland (NBP) - Financial stability reports and market analysis
  • Polish Banking Association - Industry news and best practices
  • European Securities and Markets Authority (ESMA) - Pan-European regulatory frameworks relevant in Poland
  • Academic research from leading Polish universities and business schools specializing in finance and law

Next Steps

If you are considering or involved in a structured finance transaction in Poland, here is a recommended approach:

  1. Assess your financing or investment needs and identify the potential structure best suited to your situation
  2. Reach out to a lawyer who specializes in structured finance and has experience with Polish and EU law
  3. Prepare any relevant documentation and background information for your legal consultation
  4. Discuss transaction options, risks, and compliance requirements with your legal advisor
  5. Obtain written legal opinions, review draft agreements, and ensure all regulatory filings are handled correctly
  6. Stay informed about ongoing legal and regulatory changes that could affect your transaction

Professional legal guidance can help you safeguard your interests, minimize risk, and maximize your chances of achieving a successful and compliant structured finance transaction in Poland.

Lawzana helps you find the best lawyers and law firms in Poland through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Structured Finance, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Poland - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.