Ekopożyczka dla przedsiębiorstw

BGK · National call

ekopozyczka-dla-przedsiebiorstw-dolnoslaskie

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

Environmental loans for enterprises; eligible investments and company size restrictions are unspecified.

Who can apply: Companies can lead: SME, large company, startup.
Amount: up to PLN 5,000,000Catalogue budget
Deadline: No deadline
Status: Open

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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: SME, Large company, Startup
Purpose: Deployment and investment
R&D relevance: 0 of 3
Poland eligible: Yes
Country limit: —
Region: Any
Consortium: Unclear
Readiness level (TRL): —
Topics: Environmental investment
Business loans

Machine-classified from the call text; check eligibility at the source. 23 Oct 2026

Conditions13

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 restrictionIneligible expenditures: Prohibited uses include long-term institutional-care facility infrastructure, individual fossil-fuel boilers, excluded EFRR expenditures, production relocation, debt interest, prefinancing grant-funded parts, refinancing existing financing, financial assets for trading/investment, real-estate purchase, and double financing.
The regulation also excludes transactions WARR considers unreliable or uneconomical.
Applicant typePotential borrower category: Micro, small and medium enterprises
WARR regulation defines SMEs by Annex I to Commission Regulation (EU) No 651/2014; BGK page separately identifies micro, small and medium enterprises. SME classification must aggregate partner and linked enterprises where applicable; the WARR SME declaration requests cumulative applicant data and identifies separate partner/linked relationship annexes.
Application restrictionApplication file requirements and conditional applicant, aid, accounting and security evidence: The July 2026 WARR application checklist marks the application, ex-ante energy audit or feasibility analysis, the accounting-form financial table, SME-status declaration, schedule, AML, exclusion and conflict declarations, and investment/title/location evidence as always required. Asset, de-minimis/regional-aid, guarantor, business-plan, employment and other documents are conditional on applicant, aid route, accounting form, financing and security. The final security package requires WARR acceptance.
The form lists alternative accounting tables and aid/security cases; do not treat every annex as universally required. Before contract, tax and social-security no-arrears certificates are required after a positive decision, except where the applicant has operated for less than 90 days as stated in the application. This packet binds a stage-specific conflict: regulation §6(4) says business operated under 90 days at application; application body likewise says at application date, but the checklist says under 90 days at loan-agreement signature. Preserve both wordings pending clarification.
Application restrictionWARR Ekopożyczka pre-contract certificate requirement and applicant-age exception: Following a positive decision and within 7 days after the notice, original tax-office and social-insurance no-arrears certificates must be delivered before loan-agreement signature; each certificate must be no older than 90 days when submitted. The regulation and body text of the application exempt applicants that have operated for under 90 days on the loan-application date, while the application checklist states under 90 days on the agreement-signature date.
This is a documented wording conflict over the date used to measure <90 days of business activity; do not resolve by assuming either date. The certificate duty, freshness window and submission stage remain explicit.
Application restrictionPost-disbursement eligible-cost evidence and double-financing prevention: The WARR settlement workbook records the loan agreement, recipient, investment location, document type/issuer/number/date, payment date/method, gross amount and eligible expenditure amount; the recipient declares that an expenditure will not be financed more than once from EU funds or instruments.
This workbook is the WARR settlement record and does not expand the regulation’s eligible-cost list. Cash/payment evidence and item eligibility remain governed by the current rules and agreement.
Eligible geographyFinal investment location: The financed final investment must be implemented in Dolnośląskie Voivodeship.
This is the project-location test for the WARR Ekopożyczka route.
Eligible project scopeEligible final investment and cost classes: Enterprise energy-efficiency investments: energy modernization of buildings; heating/cooling installations; replacement or modernization of inefficient heat sources; energy-efficient production technologies and production lines; process energy recovery including waste heat; efficient lighting; qualifying renewable installations with storage; and other audited energy-efficiency expenditures. Additional eligible elements include energy audits, renovation-wave/green-space measures, circular economy, accessibility, e-mobility/adaptation and water efficiency.
Investment must concern an enterprise and be located in Dolnośląskie; planned activities (except audit preparation) must arise from the submitted audit. Renewable generation must serve covered buildings, equipment, installations or processes and electricity production cannot be the enterprise’s primary activity. Additional elements are subject to separate caps.
Other conditionExpenditure and VAT treatment: Eligible expenditure is financed at gross amounts including VAT, subject to additional restrictions under public-aid rules; combined financing must follow applicable eligibility and aid rules.
Do not assume VAT is eligible where public-aid rules restrict it.
Other conditionAlternative interest route: WARR may grant the unit loan on market terms instead of preferential terms; market interest is calculated from the applicable base reference rate plus a margin.
Actual rate/margin depends on rules applicable to the borrower and transaction.
Other conditionFees: No fee or commission is charged for granting the loan or standard servicing; additional costs can arise for extra servicing, noncompliance, unsettled costs, arrears or collection.
Additional fees/costs follow the WARR fee table and investment agreement.
Other conditionWARR collection, inspection and additional servicing costs under the adopted programme tariff: No standard origination or servicing fee; adopted tariff separately lists electronic reminder PLN 0; registered and final payment demands PLN 50 each; field collection inspection PLN 200 per location; termination, arrears arrangement, bill-of-exchange demand and other collection action PLN 200 each; qualifying second/later failed-site-control visit PLN 100 each; and second/later written request for the paid insurance policy assigned to WARR PLN 50 each. Borrower (and guarantors where applicable) also bears actual judicial, representation, enforcement, out-of-court collection and related charges.
Tariff applies to the listed nonstandard collection/inspection actions. Second/later control charge applies only where the prior visit did not occur on time due to borrower action/inaction and does not waive inspection duty. Second/later policy request charge applies when the paid policy with assignment to WARR was not delivered on time and does not waive delivery. The 2025-08-01 tariff is incorporated by 2026 regulation §6(4); check for replacement before transaction-specific pricing.
Other conditionImplementation timing condition: The loan finances only investment elements that are not physically complete or fully implemented when the financing partner makes its investment decision.
Apply at the financing partner investment decision, as defined in the cited eligibility guidelines.
Technical requirement, minimumMinimum primary-energy savings between pre- and post-investment conditions for each final investment; for multi-building projects, applies to each building, except heritage buildings.: 30 percent reduction in primary-energy demand
An energy audit must confirm the difference between post- and pre-investment primary-energy demand is at least 30%; heritage buildings are excepted. If achieved savings are below 30%, expenses may be treated as ineligible and a corresponding part or all of the unit loan may have to be repaid. For multi-building investments, the 30% minimum applies to each building, except heritage buildings.

Amounts and costs18

Catalogue budget: up to PLN 5,000,000
Figure as listed by the provider. Whether it is the total allocation or a per-project cap is unverified unless a reviewed condition says so.

Eligible cost limitAdditional elements under §4(2), share of loan amount: 15 %
The listed additional elements under §4(2) are only supplementary and may not exceed this share of the unit loan amount.
Eligible cost limitEnergy-audit preparation cost, share of loan amount: 3 %
Audit preparation expenditure, as a subsection of additional elements, may not exceed this share of the unit loan amount.
Eligible cost limitMaximum share of final investment expenditures that the unit loan may finance: 100 %
This is loan financing of project outlays, not grant intensity. Final recipient must cover all ineligible expenditure.
Eligible cost limitRenewables subcomponent / eligible expenditures: 49 %
OZE installations with storage are only an additional element, and generated electricity/heat must serve the covered project. This cap is a share of eligible expenditures.
Grace period, maximumRepayment schedule: 12 month
Grace applies to principal, generally during implementation; it begins at disbursement and does not extend the repayment period. Interest accrues monthly during grace.
Loan interest, fixed rateMedium enterprise borrowers; preferential terms: 2 percent per year
The ordinary preferential fixed rate for medium enterprises is 2% for the term. Under §7(3)(b), if the Commission reference base rate on the date the unit loan is granted is below 1%, the rate is instead the base rate plus 100 basis points. A separate market-rate option exists; borrower-specific route and rate are determined by applicable aid eligibility and partner decision.
Loan interest, fixed rateMicro and small enterprise borrowers; preferential terms: 1 percent per year
Fixed for the full loan term on preferential/non-market terms. If the European Commission base rate on the loan date is below 1%, the fixed rate is instead that base rate. A separate market-rate route also exists.
Interest margin over the reference rate, fixed (basis points)Conditional preferential-rate branch for medium-sized enterprises when the Commission base rate on unit-loan origination is below 1%: 100 basis points above the European Commission base rate applicable on the loan date
Only for the conditional medium-enterprise branch in §7(3)(b): when the Commission base rate at grant date is below 1%, the loan rate is that base rate plus 100 basis points. This is a spread above the named reference rate, not a universal rate or the ordinary 2% fixed preferential rate. The application/aid route and eligibility must be determined by WARR for the borrower.
Loan partial remission, maximum shareMedium enterprise in a designated strategic intervention area (OSI): 3 percent of unit-loan principal value
Additional conditional repayment subsidy; may be summed with relevant energy-saving remission when requirements are satisfied; conditions in §3(25)–(34). The regional OSI branch uses the programme’s cited named lists of 139 medium cities losing socio-economic functions and municipalities threatened with lasting marginalisation; applicant eligibility requires the investment location to match the applicable list. These examples do not replace full list matching.
Loan partial remission, maximum shareMedium enterprise; principal energy-saving result 40.00–50%: 3 percent of unit-loan principal value
Conditional repayment subsidy applied to unit loan value excluding additional financing partner own contribution; conditions in §3(25)–(34).
Loan partial remission, maximum shareMedium enterprise; primary-energy savings above 50%: 5 percent of unit-loan principal value
Conditional repayment subsidy; amount is based on unit loan value excluding additional financing partner own contribution; conditions in §3(25)–(34).
Loan partial remission, maximum shareMicro and small enterprise in a designated strategic intervention area (OSI): 5 percent of unit-loan principal value
Additional conditional repayment subsidy; may be summed with the relevant energy-saving remission when requirements are satisfied; conditions in §3(25)–(34). The regional OSI branch uses the programme’s cited named lists of 139 medium cities losing socio-economic functions and municipalities threatened with lasting marginalisation; applicant eligibility requires the investment location to match the applicable list. These examples do not replace full list matching.
Loan partial remission, maximum shareMicro and small enterprise; principal energy-saving result 40.00–50%: 10 percent of unit-loan principal value
Conditional repayment subsidy applied to unit loan value excluding any additional financing partner own contribution; after project completion, proof, eligible-cost settlement, and required installments paid.
Loan partial remission, maximum shareMicro and small enterprise; primary-energy savings above 50%: 15 percent of unit-loan principal value
Conditional repayment subsidy; amount is based on unit loan value excluding additional financing partner own contribution; conditions in §3(25)–(34).
Loan principal, maximumOne final recipient; total unit loans: PLN 5,000,000
Maximum aggregate amount of unit loans granted to one final recipient under the WARR route.
Loan principal, maximum shareMaximum unit-loan amount as a share of final investment outlays; non-eligible costs remain recipient-funded: 100 percent of final investment outlays
The loan may finance up to all investment outlays, but only eligible expenditure may be funded from loan proceeds; the final recipient pays ineligible expenditure.
Loan term, maximumMedium enterprises: 144 month
Repayment period starts upon disbursement of any amount.
Loan term, maximumMicro and small enterprises: 180 month
Repayment period starts upon disbursement of any amount.

Source documents27

Call facts

Opens: —
Provider: BGK
Source: bgk.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