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
  • benefit from a fixed interest rate throughout the loan period
  • borrow up to 350 000 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:

  • 0% commission for BGK for the first year of the guarantee (for loan agreements concluded until 30 June 2021 as part of BGK's aid package for companies)
  • loan period up to 60 months
  • loan amount up to 350,000 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
  • fixed interest rate: 7.2%

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

How to get

  1. 1
    How to get -

    Log in to Millenet using the button below:

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  2. 2
    How to get -

    Fill out the application and check the offer for you.

  1. 1
    How to get -

    Contact our credit expert who will provide you with detailed information about the offer.

    Contact our credit expert Contact our credit expert

  2. 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.

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!