Law / What do I as a foreigner need to know before setting up a business in Poland? [16]

- I don't think a bank will lend you so much.
- Polish partner won't make a difference.
- The café/coffee shop market is saturated as it is.
- The banks are unlikely to lend for a retail project without proven track experience in that business.
- Students won't be able to afford to go there every morning, and banks know it.

only my two cents from Germany.

Life / Eating out in Poland, is it expensive? [28]

What do you expect to do in Poland when the money runs out? Poland, like most European countries, does not provide any sort of income to those who failed to save for it during their working career. There might be a very small amount of money available each month, but this wouldn't be enough to pay for your heating.