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BGK Liquidity Guarantee - Bank Millennium

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About a loan with a guarantee from FGP

To maintain current liquidity

The loan with a guarantee from the Liquidity Guarantee Fund of Bank Gospodarstwa Krajowego (BGK) is intended to help companies maintain their current financial liquidity.
For medium and large enterprises

A loan with a guarantee can be used by medium and large enterprises (residents employing 50 people and more and with revenues and/or balance sheet total of 10 million EUR and more).
Support under the Anti-Crisis Shield

The Liquidity Guarantee Fund (FGP) established at Bank Gospodarstwa Krajowego is part of the government's Anti-Crisis Shield and its purpose is to mitigate the effects of COVID-19 felt by entrepreneurs.

Loan benefits

Check what distinguishes a loan with a guarantee from the BGK Liquidity Guarantee Fund and what you can gain from it

the only BGK guarantee for large enterprises
high level of security in the form of guarantee up to 80% of the loan capital
high guarantee amount to 200 million PLN
the guarantee is also available to entrepreneurs who have used the aid limit under the de minimis guarantee (applies to medium-sized enterprises)

Key information

the loan is intended to ensure financial liquidity of the company
the loan is addressed to medium and large companies
the loan amount is up to 250 million PLN
the amount of the guarantee – to 200 milion PLN
collateral in the form of a guarantee may be covered by up to 80% of the loan capital
the maximum warranty period is 27 months (but not longer than the loan period + 3 months)
the guarantee is secured by a blank promissory note with a promissory note declaration
guarantees may cover loan agreements concluded until 30 June 2020
guarantees are a form of public aid

Frequently asked questions

Who can benefit from a loan with a guarantee from the BGK Liquidity Guarantee Fund?
- resident companies employing 50 people and more and with revenues and/or balance sheet total of 10 million EUR and more
- companies that as of 1 February 2020 did not have arrears to the Tax Office, ZUS/KRUS and the Bank
What loan can be covered by the FGP guarantee?
The BGK guarantee under the Liquidity Guarantee Fund may be a renewable and non-renewable loan and granted after 1 March 2020.
Can the loan covered by the guarantee be used to repay another loan?
No. A loan covered by the BGK Liquidity Guarantee Fund may not be used to repay other loans.
Are there industries from which companies cannot apply for a guarantee?
No. Enterprises from all industries can apply for guarantees.
What does the guarantee cover?

The guarantee covers the unpaid loan principal, excluding interest and costs associated with the loan granted.

What documents should I present when applying for a guarantee?

Complete the application for a guarantee and submit other documents indicated by the Bank. The application can be found in Important documents, you will receive it from your Banking Advisor or you can download it from the BGK website.link otwiera się w nowym oknie.

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For more information on guarantee from the Liquidity Guarantee Fund, please visit BGK website.

Go to BGK website

Go to BGK website

Important documents