The loan will enable you to realize innovative investment projects. It can also be used to supplement working capital or contract performance. As part of the support offered by the program, you can get a loan in the amount from PLN 0,5 million to PLN 20 million for up to five years. 

Depending on your needs, two financing options are available:

1. loan for investments purposes:

• financing of investments purchases and development activities (R&D, production of new products etc.);

2. working capital loan:

• loan for expenses related to preparation or performance of contracts;
• loan for current working needs.

Please note that:

• the Net interest margin amounts from 1,0 to 6,0 p.p;
• the commission varies from 0,5% to 2,0% of the amount;
• the collateral amount to 80% of the support value.

Examining of the loan application is free of charge and is conducted within transparent procedures.

In order to apply for the loan, your company must fulfil the following conditions:

• have the status of small, medium or large enterprise;
• operate in selected innovative sectors;
• realize innovative projects.

Fill in the loan application form in accordance with a model published on a dedicated website and submit it (in person or by letter) to:

Financial Services Department – Industrial Development Agency (ARP)
Nowy Świat 6/12 
00-400 Warsaw.

The application will be analysed by the experts who examine i.e. innovativeness of your project.

If your application is accepted, with ARP’s assistance, you'll go through the loan agreement process. Each finance agreement is “tailored-made”, that is adapted to the specifics of the project (ARP analysts will consult you while applying for support). It is possible to obtain a grace period for loan repayment as well as stable long-term financing.

After making a positive financing decision by both parties, the contract is concluded and collateral is established for the loan.

The loan is activated after having completed the above steps.