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A loan with de minimis guarantee
Simple and convenient financing with the BGK guarantee
Keep your loan payback safe
De minimis BGK guarantee is a form of protecting your loan, which can increase your chances to get financing. The guarantee could cover:
- a cash loan
- an overdraft facility
- an investment loan
The BGK de minimis program is implemented as a part of the government program "Supporting entrepreneurship with sureties and guarantees of the Bank Gospodarstwa Krajowego". Find out more on the Bank Gospodarstwa Krajowego website and in Warunkach uzyskania w Banku Gospodarstwa Krajowego gwarancji spłaty kredytu w ramach portfelowej linii gwarancyjnej de minimislink otwiera się w nowym oknie(in polish).
Your benefits with de minimis guarantee:
- secures even 60% credit amount
- a long period of crediting up to 72 months
- guarantee commission rate is 0.5% of the guarantee amount per annum
- benefit from a reduced credit commission
- guarantee application will be processed together with the credit application
How to use a loan with de minimis guarantee?
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1
Log in to the Millenet and fill up the application for granting a guarantee together with the loan application.
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2
Sing up the loan agreement - protection will come into effect at the moment of granting funds.
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1
Contact the credit specialist for detailed information about an offer.
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2
We will call you with an offer and ask for the completion of documents and submit an application to the branch.
Important documents
- template.externalLink.desc Price list for customers of Small Business segment - valid from 28.06.2023
- template.externalLink.desc Price List for customers of Small Business segment – valid till 27.06.2023 (in Polish)
- template.externalLink.desc Credit Bylaws for entrepreneurs and other organisational units since 15.07.2022 - in Polish
- template.externalLink.desc General terms and conditions of opening and running accounts for Business Clients in Bank Millennium S.A. – valid from 01.09.2023 - in Polish
- template.externalLink.desc Lista branż działalności i klientów, dla których Bank nie otwiera rachunków w segmencie Biznes
- template.externalLink.desc Conditions for obtaining a loan repayment guarantee from Bank Gospodarstwa Krajowego within a de minimis portfolio guarantee line
- template.externalLink.desc Regulations of the Special Offer – 0% of commission for granting cash loan secured by a de minimis guarantee BGK
- template.externalLink.desc Regulations of the Special Offer - a loan with de minimis guarantee (in Polish)
Contact form Cash Loan
If you are interested in our offer please fill in the form below - we’ll call you back!