Since 25.08 It will not be possible to log in to Millenet from the version of the browser you are now using. Update the browser on your device and use online banking in a comfortable and secure way.
Update the browser
Do you have an idea for a new company venture?
Finance it with a cash loan with de minimis guarantee
About loan
Regardless of whether you need extra funds for unexpected expenses or are thinking about growing your business, consider taking a cash loan. You can spend the funds received in this way for any business goal. Monthly repayment of principal and interest will give you a sense of control over your finances and the ability to plan your expenses in the long term.
- flexible loan repayment period from 6 to 72 months
- equal or decreasing installments
- borrow up to 700 000 PLN without material security (BGK de minimis guarantee is enough)
You can apply for a loan if you have been running a business continuously for 12 months or 6 if you are already a customer of the bank and carry out cash settlements on a company account.
Loan for your business
Cash loan for companies with de minimis guarantee
Your benefits:
- loan period up to 72 months
- loan amount up to 700,000 PLN
- money for any corporate purpose
- you can repay the loan as conveniently as you want – in equal or decreasing installments
Credit cost
Fees to the bank:
- loan commission: 5%
- fixed instalment: to be determined individually
Fees to BGK:
A guarantee fee of 0.5% of the amount of the granted guarantee is charged in advance:
- at credit release (fot the first year of the guarantee's validity) - on the amount of the guarantee granted
- on each anniversary of the guarantee (for the subsequent credit year) - on the guarantee amount calculated as a percentage of the capital to repay
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.
How to get
-
1
How to get -
Log in to Millenet using the button below:
-
2
How to get -
Fill out the application and check the offer for you.
-
1
How to get -
Contact our credit expert who will provide you with detailed information about the offer.
-
2
How to get -
We will call you back with an offer and ask you to complete the documents and submit the application at the branch.
Important documents
- opens in new tab Price list for customers of Small Business segment - valid from 08.05.2025 - in Polish
- opens in new tab Price list for customers of Small Business segment - valid till 07.05.2025 - in Polish
- opens in new tab Credit Bylaws for entrepreneurs and other organisational units since 15.07.2022 - in Polish
- opens in new tab Regulations of the Special Offer – 0% of commission for granting cash loan secured by a de minimis guarantee BGK – valid from 01.01.2025 - in Polish
- opens in new tab Regulations of the Special Offer - a loan with de minimis guarantee (in Polish)
- opens in new tab General terms and conditions of opening and running accounts for Business Clients in Bank Millennium S.A. – valid from 01.04.2025 - in Polish
- opens in new tab General terms and conditions of opening and running accounts for Business Clients in Bank Millennium S.A. – valid till 31.03.2025 - in Polish
- opens in new tab Conditions for obtaining a loan repayment guarantee from Bank Gospodarstwa Krajowego within a de minimis portfolio guarantee line
Prior to granting the loan the Bank evaluates the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified cases the Bank may refuse to grant the loan.
Contact form Cash Loan
If you are interested in our offer please fill in the form below - we’ll call you back!