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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.


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:

  • 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.


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

  • 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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