Loan with de minimis guarantee

About the product

Millennium Bank participates in the government entrepreneurship promotion programme through BGK de minimis guarantees. Pursuant to the Agreement on the Portfolio de Minimis Guarantee Facility (PLD programme) the Bank offers loan products in PLN, secured with de minimis guarantees to small and medium-sized enterprises (SME).

The PLD programme is particularly good for companies seeking additional capital for financing businesses which do not have sufficient assets of their own to secure their loan.


  • High amount – the guarantee covers up to 60% of the loan amount (maximum up to PLN 3.5 milion)*.
  • Long period of financing – up to 24 months in the case of loans for current needs or up to 96 months for investment loans.
  • Low cost of security – the commission is 0.5% of the guarantee amount for the annual period of its duration.
  • Simple procedure – any loan and guarantee procedures are handled directly at Bank Millennium.

* The amount of a guarantee depends on the level of de minimis assistance received by the Client whose limit for one counterparty is EUR 200,000 for 3 years (EUR 100,000 for an entity operating in the road transport sector). For detailed information about de minimis guarantees check the BGK website: 

“Guarantees for Innovations” with a 0% fee (guarantee to secure loan repayment)

If your company:

  • is planning in the near future to get an investment or working capital loan for a specifically defined purpose (e.g. an investment loan to purchase a machine or a working capital loan to purchase materials for production) and 
  • satisfies criteria required for de minimis guarantees and additionally at least one out of seven criteria of the company’s innovation, 

then you could get a Guarantee for Innovation. It is a de minimis guarantee from the Guarantee Fund for SME Innovation Development (FG POIG), which will be security for the loan granted by Bank Millennium. The fee for BGK for this type of guarantee is 0%, while disbursement of the loan proceeds is always made on the basis of financial accounting documents i.e. invoices.

Check if you satisfy the criteria. Detailed information is available on the BGK website. 

The Free-of-charge guarantee programme is valid only till 31 December 2016.

Channels of access to product information


Wherever you are, with internet access, you can check account balances and history on a 7/24 basis, also viewing information concerning other products i.e.: cards, loans, guarantees and letters of credit, standing orders or term deposits.

Corporate Branch

Get detailed information about Bank Millennium products by contacting Advisors in the Corporate Banking network.

Contact with Advisor

By phone

Our Consultants will provide you with detailed information and will carry out your instructions. 

801 31 31 31
line available for fixed-line and mobile calls

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Questions and answers