About the product

Revolving loan is renewable loan assigned for financing your current business needs. It is a good solution for companies, which cannot count on regular inflows from counterparties and would like to defer their own liabilities in time.

Interest on the used loan is repaid monthly on the last working day of a month, while you can repay principal at any time during validity of the loan agreement, as may be convenient for your business. The principal can be repaid in a single transfer or by using standing orders.


  • You keep financial liquidity even in a situation of temporary payment crunch.
  • Control the debt level yourself and decide when to repay principal. You can plan current expenses without fear ― thanks to permanent access to the granted loan you can pay your liabilities on time.
  • You can reuse the repaid amount even many times within the granted loan amount.
  • You can use the loan whenever and wherever you want – current information and control of debt service cost is always possible with use of the Millenet internet banking system.
  • Under one agreement you may flexibly use even several loan products at the same time (multi-product line). 

Support for companies

Bank Millennium and the EIB Group (European Investment Bank and European Investment Fund) support small and medium-sized enterprises affected by the effects of COVID-19.

Thanks to this cooperation and with the support of the European Guarantee Fund you will:

  • get funds for working capital
  • increase the financial liquidity of your company
  • increase your investment potential
  • receive favorable financial conditions

Who can benefit from this solution?

  1. Entrepreneur from the SME segment according to the EU definition.
  2. An entrepreneur who does not operate in sectors excluded from the support of the European Investment Bank.
  3. An entrepreneur whose activities and investments do not have a negative impact on the environment and are not ethically and morally controversial.
  4. An entrepreneur who does not benefit from other public aid, e.g. BGK guarantees, subsidies.
  5. An entrepreneur who obtains a positive creditworthiness assessment.

Detailed information can be obtained from the Corporate Banking Advisor.

Channels of access to product information


Wherever you are, with internet access, you can check account balances and history on a 7/24 basis, also viewing information concerning other products i.e.: cards, loans, guarantees and letters of credit, standing orders or term deposits.

Corporate Branch

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

Contact with Advisor

By phone

Our Consultants will provide you with detailed information and will carry out your instructions. 

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

Related products

Settlement account

Effectively manage financial flows in a company and benefit from the Bank's comprehensive product range.

Working capital loan

Get extra funding to cover liabilities resulting from financing working assets.

Multi-product line

Use many forms of financing even in several currencies under one agreement.

Real estate loan

Make use of the capital frozen in real estate and get long-term financing of current operations.

Charge cards

Optimum payment of business expenses with proceeds from the credit limit.

Questions and answers

  • 1. What is the loan tenor?

    The loan may be granted for a period of even 3 years, with the possibility of rolling it forward for further periods.


  • 2. How can the granted loan be used?

    To make a payment within the granted loan limit just place an order debiting the current account, i.e. make a transfer, standing order or make an ATM or teller desk cash withdrawal. If the amount on the current account is insufficient to make the transaction, the loan proceeds will be used automatically. 


  • 3. In what currencies is the loan available?

    The main currencies are PLN, EUR, USD, but ― if the needed ― the loan may also be granted in other currencies.


  • 4. What is the interest rate on the loan?

    Variable 1M rate defined as per the loan currency (usually WIBOR/EURIBOR/LIBOR) plus the Bank's spread.

  • 5. How is the loan repaid?

    Repayment of all or part of the loan is made on the basis of your instructions at any time during the loan tenor. On a monthly basis, on the last working day of every month, automatic payment is made of interest on the used loan.