Investment Loan Facility for Project Financing Supported by the Polish Investment Zone
Commercial enterprises may leverage a specialised facility engineered by the Industrial Development Agency (ARP) within the framework of the proffered Investment Loan, designed exclusively for corporate entities executing capital investments with the support of the Polish Investment Zone.
The loan facility may be allocated toward the execution of investment initiatives characterised by modernisation or expansion, the acquisition of fixed assets or the refinancing of previously incurred capital expenditures.
Specifically, the loan is designated for the financing and refinancing of expenditures related to the acquisition, construction, expansion and modernisation of investments undertaken with the support of the Polish Investment Zone (Polska Strefa Inwestycji – PSI). The facility is extended under prevailing market terms to clients demonstrating sustainable long-term debt service capacity.
Core Parameters
Applications for support may be submitted by large enterprises as well as entities within the SME sector that satisfy the following cumulative criteria:
- Maintain an active operational history of a minimum of 24 months;
- Hold a valid permit to conduct commercial operations within a Special Economic Zone;
- Possess a formal support decision for the execution of a new investment, or are actively seeking such a decision under the auspices of the Polish Investment Zone framework;
- Generate annual revenues exceeding PLN 4 million, maintain full statutory accounting records, demonstrate positive financial results for the preceding financial year and are not classified as an "undertaking in difficulty" pursuant to the European Union guidelines on State aid for rescuing and restructuring firms in difficulty.
The mandatory equity contribution is established at a minimum of 20% of the net investment value.
An optional grace period for the amortisation of the principal amount may be granted for a duration of up to 18 months.
The minimum threshold for the extended financing is established at PLN 0.8 million.
The maximum duration of the credit facility spans a period of up to 12 years (144 months).
The required valuation of the security package must constitute a minimum of 120% of the aggregate loan principal amount.
Application Path
- Navigate to the official website of the Industrial Development Agency (Agencja Rozwoju Przemysłu).
- Locate the most geographically convenient Corporate Customer Desk (Centrum Obsługi Przedsiębiorców).
- Initiate formal communication with the selected office and proceed in strict accordance with the administrative directives provided by the designated financial expert.