6.4 Współfinansowanie Programu LIFE

NFOŚiGW · Ekspertyzy środowiskowe · National call

10/NC/UR/6.4/2025/Pożyczka_LIFE

Not an R&D or investment call a Polish company can use, by Scindu's rule.

Provides liquidity loans to eligible Polish LIFE coordinators and co-beneficiaries awaiting final European Commission payments, subject to existing funding agreements.

Who can apply: Unclear from the source: other.
Amount: Budget not stated
Deadline: 31 Dec 2027in 433 days
Status: Openopened 3 Mar 2025

Open the official page Register to keep this call

Machine-classified from the call text; check eligibility at the source.

Description

The description is on the provider's page.

Who can apply, in detail

Applicant types: Other
Purpose: Deployment and investment
R&D relevance: 1 of 3
Poland eligible: Yes
Country limit: Polish-registered applicants; eligible activities must occur or produce effects in Poland
Region: Any
Consortium: Optional
Readiness level (TRL): —
Topics: LIFE project liquidity
Environmental project financing
Climate project financing

Machine-classified from the call text; check eligibility at the source. 24 Oct 2026

Conditions6

Typed facts extracted from the source documents by Scindu's grant-data review. Each value keeps its own conditions. Unknown means unstated, not zero or unlimited.

Applicant type: Applicants must be registered in Poland and belong to a programme beneficiary category; this exact liquidity-loan route further requires the applicant to be the LIFE project coordinator or a co-beneficiary (including the specified national/international or foreign-project roles). A qualifying LIFE agreement and NFOŚiGW co-financing agreement are also required; a foreign-project co-beneficiary may borrow only for its own eligible activities.
Application restriction: Applications are filed electronically in GWD with an electronic signature; where that signature cannot be used, the applicant also submits the GWD-generated barcode printout and signed declarations by mail/courier or at the NFOŚiGW office. Ordinarily only one liquidity-loan application per applicant for the same project and form is considered, with the first received controlling if duplicates are filed. The rules expressly allow a new application for the same project in the same call after rejection at the access or qualitative stage, and after refusal to award financing; thus the one-application rule is not an absolute bar to reapplication. The substantive annex requires authority/signatory evidence and, for co-beneficiaries, documentation of the requested loan and the final payment attributable to them.
Application restriction: The applicant must already have an EC LIFE grant agreement for the project, and an NFOŚiGW LIFE co-financing agreement (grant, or the relevant state-budget transfer case). The loan application must be filed before the completion date in the LIFE grant agreement. The programme criteria also require a timely, complete current-form application, beneficiary-category fit, project not completed, no qualifying NFOŚiGW termination in the preceding 3 years except mutual termination, public/civil obligations met, and consistency with the programme.
Application restriction: Exact route is the continuous 2025–2027 LIFE liquidity loan, call 10/NC/UR/6.4/2025/Pożyczka_LIFE. The notice states intake 3 March 2025–31 December 2027 or until the loan allocation is exhausted. The 22 October local source row marks it open; GWD acceptance and any remaining balance were not live-tested.
Other condition: The liquidity facility is an interest-bearing loan, may be structured as a revolving limit, is disbursed in PLN, and the amount is converted to EUR using the NBP average rate on the final business day of the month before filing or updating the application. The model contract shows the final limit, interest and schedule are set in the completed Special Terms; no security amount or individual repayment schedule can be inferred from the blank model.
Other condition: No capital repayment grace period is provided and the liquidity loan is not subject to forgiveness. Principal is due within 7 days after EC funds arrive in the borrower’s account; if they do not arrive, repayment is due no later than the end of the financing period. Interest is paid quarterly.

Amounts and costs7

Call allocation: PLN 23,030,118
The call notice says this is the amount currently available in the priority programme budget for loans, as shown in the retained 23 October 2026 source capture. It is a programme allocation, not a per-applicant maximum; remaining availability was not independently confirmed. The priority programme separately sets up to PLN 30m for repayable forms overall.
Eligible cost: The underlying LIFE programme cost categories are those in the EC LIFE grant agreement and other applicable LIFE programme documents, not a separate NFOŚiGW list of individual loan-funded cost items. For international projects led by a Polish-registered coordinator, only activities conducted or producing effects in Poland by Polish-registered coordinator/co-beneficiaries are counted; a co-beneficiary of a foreign project may count only its own activities conducted or producing effects in Poland. The liquidity-loan principal itself is capped by the eventual final EC payment attributable to the borrower.
Grace period, maximum: 0 months of principal repayment grace period
The LIFE liquidity-loan programme provides no grace period for repayment of principal instalments; this value records that explicit no-grace rule and does not imply a date-based deferral.
Loan interest, minimum: 1.5 percent per annum, with variable WIBOR 3M + 0.25 percentage point formula and 1.5% floor
Rate is WIBOR 3M plus 25 basis points, but not lower than 1.5% per year. Interest is paid quarterly; the first payment is at the end of the calendar quarter after the quarter in which the first tranche is disbursed. The 1.5% is a floor, not the full rate.
Loan principal, maximum share: 80 percent of equivalent EC final LIFE payment attributable to this applicant
The liquidity-loan principal cannot exceed 80% of the equivalent of the final LIFE payment from the European Commission attributable to this applicant. This is a loan-principal cap, not grant funding intensity, a share of total eligible project cost, or a universal fixed PLN maximum.
Loan principal, minimum: PLN 200,000
Minimum for the liquidity loan. The maximum is separately limited to 80% of the applicant-specific equivalent of the EC final payment; no fixed maximum principal is published.
Loan term, maximum: 36 months from the LIFE project completion date
Standard financing period may not exceed 24 months after project completion. If the EC payment has not reached the borrower within those two years, the period may be extended to a maximum of 36 months after completion.

Source documents7

Call facts

Opens: 3 Mar 2025
Provider: NFOŚiGW · Ekspertyzy środowiskowe
Source: gov.pl
Checked: 24 Oct 2026
Review status: Partial review
Independent QA: No published hold
Reviewed: 23 Oct 2026

This is a summary of the source page, not the official text. Eligibility, conditions and the submission system are at the source.

Summary

Description