Beata Nowak

Experience that counts in numbers

Beata joined Capital and Logic in November 2019. Previously, for 7 years and 4 months, she worked in the debt collection department of one of the largest banks in Poland. She knows banking mechanisms from the inside and knows when the official on the other side of the desk is telling the truth or just reading a script. In our firm, she handles the most difficult cases where debt exceeds 430,000 PLN. She isn't afraid of difficult talks with creditors because for her, the numbers are clear – either the company survives or everyone loses. We calculate with cold logic and Beata is the best at it.

In 2024 alone, Beata negotiated new repayment terms for 37 companies in the transport and construction sectors. The average time she takes to prepare a repair plan is 4 business days. Her record is pulling a Gdańsk firm out of a debt spiral totaling 1.24 million PLN. Thanks to her work, the monthly installment dropped by 4,200 PLN, which allowed the owner to keep 11 jobs and 4 construction machines. Debt is not a life sentence if you have concrete data in front of you.

How Beata helps business owners

Her work starts with pulling all the invoices out of the drawers. Beata doesn't like fluff. If a company is losing money, she finds the budget hole within the first 3 hours of analysis. It often turns out that the problem isn't just interest, but poorly constructed lease agreements or unnecessary fixed costs the boss forgot about two years ago. We have a plan for Tuesday – she says that to every client who comes to her on Monday in tears. Her task list is always concrete and short.

• Preparation of a restructuring application within 48 hours of document delivery.
• Direct negotiations with bailiffs to suspend executions (94.6% success rate).
• Verification of loan agreements for hidden fees and commissions.
• Creating real cash flow forecasts for the next 14 months.

Beata believes that every company can be saved if the owner starts telling the truth about their finances. She often repeats that at Capital and Logic, we don't sell hope, only mathematics. If the calculations show a business has no chance, Beata will say it straight to the client's face in the 15th minute of the meeting. Such pragmatism allows our clients to save thousands of zlotys on attempts to save something that folded long ago. But if there is a chance, Beata won't let go.

Privately, Beata lives in Gdynia and has been regularly running half-marathons since 2018. The discipline from running helps her in keeping procedural deadlines. She can be stubborn, but in negotiations with a bank, that is her greatest asset. Zero redundant talk, just facts. If you're looking for someone to take the calls from creditors and prepare a table that finally balances, Beata is the right person at Capital and Logic.