About the product

The loan for technological innovations is an EU funding support instrument to improve innovation and competitiveness of micro, small and medium enterprises. 

It is meant for technology projects, which involve implementation of a new technology. The new technology may be the result of in-house research and development (R&D) or R&D contracted from third parties. The technology should enable production of new or significantly improved goods, processes and services as compared with those currently made in Poland.

The loan for technological innovations can provide non-repayable support in the form of a technology bonus, which is awarded by Bank Gospodarstwa Krajowego (BGK) for partial repayment of the loan granted by Bank Millennium. It can reach even PLN 6 million and may be granted up to 70% of the qualified expenses for micro and small enterprises and 60% for medium enterprises in accordance with the Regional Support Map for the Years 2014-2020. The bonus applies only to qualified expenses incurred after the date of submitting the co-financing application to BGK.

Timetable of submitting the co-financing applications:

VI competition

  • Application start – October 15th, 2019
  • Application end – June 24th, 2020 until 4 p.m.

VII competition announcement

  • Application start – September 24th, 2020
  • Application end – December 30th, 2020


  • High amount of project co-financing – up to PLN 6 million and 70% of qualified project expenses with consideration of the Regional Support Map for the Years 2014-2020.
  • Part of the loan may be repaid with EU money in the form of the technology bonus granted by BGK.
  • Partial payment of the technology bonus can be made already after completion of 25% of planned qualified project expenses.
  • Increase of the company’s potential by co-operating with R&D establishments.
  • Increase of the company’s investment demand in innovation and R&D.
  • Expansion of the range of goods, processes or services for sale.
  • Increase of innovation and production quality and the ensuing improvement of competitiveness of the company.
  • Positive impact of the project on development of the region, in which it will be done.

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Get detailed information about Bank Millennium products by contacting Advisors in the Corporate Banking network.

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Questions and answers

  • What types of projects may be financed with the loan for technological innovations?

    The loan is for financing technological projects. A technological project is one, which involves:

    • Purchase of new technology, its implementation and launch on its basis of production of new or significantly improved – compared with those produced so far in Poland – goods, processes or services, or
    • Implementation of proprietary new technology and launch on its basis of production of new or significantly improved – compared with those produced so far in Poland – goods, processes or services,

    The technology, which is being implemented, must have the form of:

    • Industrial property right or
    • Results of development work or
    • Results of industrial research or
    • Not patented technical know-how.

  • What is the loan tenor?

    The loan tenor depends first of all from the type of project and the Client’s economic and financial situation.

  • In what currencies is the loan available?

    The loan is available in PLN.

  • What is the loan amount?

    The maximum loan amount may be up to 75% of qualified costs of the project.

  • What Clients are eligible for the loan for technological innovations?

    The loan is available to Clients who satisfy the criteria for a micro, small or medium enterprise (in keeping with EC Regulation No. 651/2014), with registered office in Poland. To determine the ultimate status of the enterprise it is also required to determine whether it is an autonomous, partner or linked enterprise.

  • How is the loan repaid?

    Repayment of the loan is made on dates and in the way stipulated in the loan agreement, with part of the loan principal being repaid with the technology bonus.

  • What part of the loan will be repaid with the technology bonus?

    An enterprise can get the loan amounting to as much as 75% of qualified costs of the project, while the bonus may not be higher than 70% of qualified expenses for micro and small enterprises and 60% - for medium enterprises.
    The maximum amount of the technological bonus is as much as PLN 6 million, however because the subsidy amount may not be higher than the intensity limit specified in the Regional Aid Map, it will be calculated on a case-by-case basis for individual projects on the basis of the enterprise status, reported qualified costs and project location.

  • What is required for partial payout of the technological bonus?

    • Loan disbursement,
    • Amount of loan disbursed not lower than the technological bonus requested for payout,
    • Completion of at least 25% of planned qualified expenses of the project,
    • Submission of a, interim payout request to BGK.

  • Can the loan for technological innovations be used to finance already incurred project expenditure?

    No, it cannot. Expenses involved with a technological project may be incurred only after submitting a co-financing application. The project may be started only after submitting the co-financing application to BGK. Earlier start of the project will make all expenses non-eligible.

  • What does the period of eligibility of expenses mean?

    This is the period, during which expenses may be qualified for support with the technological bonus. During this period the beneficiary undertakes to complete the full material and financial project as specified in the co-financing application and the project material and financial schedule. The qualifiability period shall end on the day of submission to BGK of a final payment request; however it cannot be later than 31.12.2023.

  • What is the period of durability of project results?

    Durability of operations shall be understood to mean that the project did not undergo a substantial modification:

    • affecting its nature or its implementation conditions or giving to a firm or a public body an undue advantage; and
    • resulting either from a change in the nature of ownership of an item of infrastructure or the cessation of a productive activity.

    As regards projects implemented by SME sector firms the period of durability of operations is 3 years counted from the date of full payment of the final technological bonus.

Useful links

Competition regulations and documents concerning application for a technological bonus are available on the BGK website

European Funds Portal www.funduszeeuropejskie.gov.pl