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Loan with a de minimis guarantee
Effective way to secure your loan repayment
About loan
Are you looking for a convenient form of securing the loan repayment? You can benefit from a de minimis guarantee, if you:
- meet the definition of a micro, small and medium-sized enterprise (SME) as set out in Regulation 651/2014 of the European Commission
- do not want to encumber your assets or you do not have sufficient collateral to repay the loan
Your benefits
- You can guarantee up to 80% of the loan amount, up to EUR 1.5 million
- You benefit from a long guarantee period, up to 120 months for investment loans and up to 75 months for working capital loans
- You will not pay any fees for processing the application or granting the guarantee
- We take care of all the formalities related to obtaining the guarantee for you
FAQ
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Can I secure, for example, a line for a guarantee or a letter of credit with a de minimis guarantee?
Yes, if you use a multi-product line, under which we can provide, among other things, a line for guarantees and letters of credit.
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Which loans can I secure with a de minimis guarantee?
Loans granted in PLN and foreign currencies:
- for financing current activities for a period of up to 75 months to 31 December 2023
- for investment purposes for up to 120 months between 1 January 2021 and 31 December 2023
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How can I apply for a de minimis guarantee?
Contact your bank advisor. Our employee will answer your questions, help you apply for a loan with a de minimis guarantee and take care of the formalities.