Attractive loans for micro businesses and small businesses for investments and development
Loan amount:
PLN 10 000.00 – PLN 300 000.00
Own contribution:
Minimum 10% of loan value
Payback period:
Up to 8 years
Grace period for capital repayment:
Up to 6 months
Rate of interest:
Reference rate (base rate of the European Commission + 1-4% profit margin)
- Rate of interest is set on a yearly basis according to reference rate, which is set on the basis of variable base rate declared by European Commission (published in Official Journal of the European Union), in force on the day of concluding the loan agreement, increased by 1-4% profit margin
- Profit margin depends on the lifetime of a company on the market and its security level.
- Since 01/01/2024 the base rate is 5,68%
Commission:
- From 2% to 3% of loan amount (payable no later than on the day the funds are made available to the Borrower).
Subject of financing:
- acquisition o equipment, including machines and devices, tools, instruments and apparatus, means of transport, office supplies, technical infrastructure directly related to the objective of the undertaking being implemented,
- purchase of real estate directly related to the undertaking being carried out,
- purchase of materials, raw materials and commercial goods necessary for implementation of the assumed business undertaking,
- expansion, adaptation or modernization of production and services facilities,
- other actions increasing mobility and competitiveness of the company.
Subjects authorized to take advantage of a loan:
- micro-enterprises and small enterprises*, regardless of their existence in the market
- entities operating on the territory of the Republic of Poland,
- enterprises with creditworthiness and adequate security, as well as these with no outstanding indebtedness to the State Treasury or Social Insurance Institution, as well as resulting from of taxes and local fees.
* *Small enterprise, according to Appendix I to the Commission Regulation (EU) No. 651/2014 of 17/06/2014, is a company employing less than 50 employees and annual turnover or annual balance sheet total of which does not exceed EUR 10 million.
* Micro-enterprise, according to Appendix I to the Commission Regulation (EU) No. 651/2014 of 17/06/2014, is a company employing less than 10 employees and annual turnover or annual balance sheet total of which does not exceed EUR 2 million.
Attractive loans for medium enterprises for implementation of investments and development
Loan amount:
PLN 10 000.00 – PLN 400 000.00
Own contribution:
Minimum 10% of loan value
Payback period:
Up to 8 years
Grace period for capital repayment:
Up to 6 months
Rate of interest:
Reference rate (base rate of the European Commission + 1-4% profit margin)
- rate of interest is set on a yearly basis according to reference rate, which is set on the basis of variable base rate declared by European Commission (published in Official Journal of the European Union), in force on the day of concluding the loan agreement, increased by 1-4% profit margin
- Profit margin depends on the lifetime of a company on the market and its security level.
- Since 01/01/2024 the base rate is 5,68%
Commission:
- From 2% to 3% of loan amount (payable no later than on the day the funds are available to the Borrower).
Subject of financing:
- acquisition o equipment, including machines and devices, tools, instruments and apparatus, means of transport, office supplies, technical infrastructure directly related to the objective of the undertaking being implemented,
- purchase of real estate directly related to the undertaking being carried out,
- purchase of materials, raw materials and commercial goods necessary for implementation of the assumed business undertaking,
- expansion, adaptation or modernization of production and services facilities,
- other actions increasing mobility and competitiveness of the company.
Subjects authorized to take advantage of a loan:
- Medium-sized enterprises, according to Appendix I to the Commission Regulation (EU) No. 651/2014 of 17/06/2014,
- enterprises with creditworthiness and adequate security, as well as these with no outstanding indebtedness to the State Treasury or Social Insurance Institution, as well as resulting from of taxes and local fees
An agreement establishing the “Silesian Financial Cluster” was concluded on November 15, 2013. GAPR Ltd. joined ŚKF on August 11, 2014.
Main goal of establishing the cluster was to strive for development and improvement of entities providing financial services which support the development of entrepreneurship in the Śląskie Voivodeship and cooperation of entities allowing to achieve and maintain a competitive advantage.
Main goals of the Silesian Financial Cluster are:
- organization of cooperation, communication and information exchange between Cluster participants,
- organization of promotional activities within the scope of financial services offered, including joint publication in magazines and information brochures, organization of group meetings and conferences,
- joint acquisition and establishing permanent relationships with customers interested in services offered by Cluster participants
- creating relations between enterprises, science and research units, business environment institutions and establishing cooperation with entities from outside the Cluster,
- cooperation with public administration bodies (governmental and self-governmental).