The paper discusses the possibility to reduce bank risk in business loans. The risk reduction is based on the proper assessment of the results of ratios of the financial analysis. Enterprises that took part in the research revealed matching non-financial ratios. Enterprises in the analysis applied for the same type and amount of the loan. Other parameters of the financial product were agreeing as well. All entities were assessed by the same model using ratios of the financial analysis. The result of the research proved that it is possible to use the model to assess the financial situation of enterprises.