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Association "Pasłęk Center for Economic Development"

Below is the current list of loans available to entrepreneurs in the SCREP Association

POIR 2023 Liquidity Loan

Who can apply for a loan:

Micro, small and medium-sized enterprises operating in the Warmian-Masurian Voivodeship that experienced problems with wz. with COVID-19 or Russian aggression against Ukraine.

Objective:

Loans are granted to maintain financial liquidity and current operations of the company. You can also finance the costs related to rebuilding your business after the pandemic and investments, including:

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  • energy bills and other ongoing charges

  • salary

  • taxes, health and insurance premiums

  • stocking, semi-finished products

  • investments (up to 40% of the loan), including energy efficiency improvements and renewable energy sources (low-carbon economy)

  • other expenses necessary for the functioning of the company

Loan terms:

  • The maximum loan amount is PLN 1,000,000.00 (the loan amount may be increased to PLN 1,500,000.00, provided that at least 30% of investment expenditures supporting the transition to a low-emission economy through investments aimed at improving energy efficiency and using renewable energy sources.)

  • interest rate - 0% (if you meet the conditions for granting de minimis/state aid)

  • no fees and commissions for granting and servicing the loan,

  • loan repayment period is up to 6 years

  • 6 months grace period 

  • no own contribution required

SME loan

Who can apply for a loan:

Micro, small and medium-sized enterprises from the area of the province can apply for a loan. warmińsko-mazurskie.

Objective:

The costs eligible for financing from the loan funds are closely related to the objectives
projects, including:

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  • equipment, other land and water movables, machines, devices, apparatus, means of transport, tools, instruments, purchase of fixed assets, such as: land, structures, buildings, premises, engineering facilities

  • purchase of equipment, purchase of items referred to in point 1 not classified as fixed assets, e.g.

  • purchase of intangible assets,

  • conducting research and analyses, training services and promotion of design services, services: specialist consulting, preparation of expert opinions, purchase of external services, e.g. construction, renovation, assembly and installation works,

  • warmińsko-mazurskie this applies only to entrepreneurs with their registered office in the voivodship entrepreneur and/or change of profile/expansion/increase of activity, but economic and/or in the case of a new venture carried out by the purchase of current assets by an entrepreneur starting business activity

  • deposits, advance payments, franchise fees, etc., provided that their return will be used to repay the loan or for further development of the company.

Loan terms:

  • The loan amount is up to PLN 300,000.00.

  • The minimum amount of the Borrower's own contribution, depending on the loan line, is 10% or 20% of the loan value.

  • The maximum loan repayment period is: 84 months.

  • The maximum grace period for repayment of principal is 6 months and is included in the loan repayment period.

  • The interest rate on the loan ranges from 8.62% to 11.62% (the interest rate also depends on the economic and financial situation of the company and the collateral for the loan.)

  • A commission is charged on the granted loan in the amount of 0% to 3% of the loan amount, depending on the duration of the loan. The commission is charged in accordance with the table of commissions and fees.

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