Guarantee de minimis

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: 

De minimis guarantee with a 0% fee

If your company is planning to get an investment and satisfies criteria required for de minimis guarantees and additionally at least one out of seven criteria of the company’s innovation, you can be eligible for a de minimis guarantee from the Guarantee Fund for SME Innovation Development (FG POIG). The fee for BGK for this type of de minimis guarantee is 0%, while disbursement of funds is always made on the basis of financial accounting documents i.e. invoices.

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

Biznes Line

Our Consultants 24 hours a day will provide you with detailed information and perform your orders.

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

How to get

Contact your Credit Advisor who will provide you with detailed information about our offer and the documents required by the Bank to check your creditworthiness. He will also help you prepare your loan application. We will assess your credit capacity free of charge.

Contact with Advisor

 To calculate your loan, we will require the following documents from you:

  • founding documents that indicate the legal status of the company,
  • documents indicating the authorities empowered to make statements regarding property rights and financial obligations,
  • confirmation of the business' REGON statistical number,
  • confirmation of the NIP number (Taxpayer Identification Number),
  • company's financial documents.

Other documents may also be required.

We have a simplified procedure for long-standing customers.

After having checked your credit capacity, your Biznes Advisor will contact you and present the Bank offer prepared for you.

List of credit Advisors