Cash loan for companies with de minimis guarantee

Your benefits:

• 0% commission for BGK for the first year of the guarantee (for loan agreements concluded until 30 June 2023 as part of BGK's aid package for companies)
• loan period up to 60 months
• loan amount up to 570,000 PLN
• money for any corporate purpose
• you can repay the loan as conveniently as you want – in equal or decreasing installments

Fees and interest:

• commission for granting a loan up to 5%
• the possibility of individual negotiations
• variable interest rate: 11.50%

What is a de minimis guarantee?

It is one of the forms of aid granted under the admissible state aid to secure the repayment of a working capital or investment loan for a micro, small or medium-sized enterprise (SME).
The de minimis guarantee is not a cash grant and is not directly related to the transfer of funds to the entrepreneur, and does not have any tax consequences.

Find out more about loans with a de minimis guarantee

Cash loan for companies

Your benefits:

• up to 350,000 PLN without material security (possibility of securing the loan with BGK de minimis guarantee)
• the possibility of securing the loan with a mortgage or other tangible asset (the maximum loan amount is then determined individually)
• long loan period – up to 72 months (up to 60 months for loans secured with BGK's de minimis guarantee)
• money for any corporate purpose
• you can repay the loan as conveniently as you want – in equal or decreasing installments

Fees and interest:

• commission for granting a loan up to 5%
• the possibility of individual negotiations
• variable interest rate: 11.50%

Required documents:

• certificates of non-arrears in payments to the Social Insurance Institution and the Tax Office
• financial documents – depending on the form of accounting

Detailed information on the set of required documents will be provided by our expert.