We finance the growth of Polish companies — telling the truth about money.
And today that truth sounds like this: grants are rare, a cheap development loan is the usual path. We'll check what you can actually get.
We start with a diagnosis, not an application.
The market promises grants that, today, mostly don't exist. We tell you what's actually available — and that's usually a low-interest development loan. The diagnosis shows you which road you can really take.
Development loan
Need capital for growth — available year-round, no ranking lottery. Interest well below market thanks to EU subsidies.
Grant
You're active in R&D, innovation, or regional transformation. Non-repayable, but today mostly for narrow purposes — not everyday investments.
Hybrid model
Your profile allows combining a loan with a grant or write-off. Rare and hard to structure — which is exactly why it's our specialty.
Not yet
The project isn't ready, or nothing fits today. We'll say so plainly and tell you what to prepare. No pushing.
Not sure what's realistically within reach? That's what the free diagnosis is for →
The whole EU is shifting to repayable financing. We're already there.
The era of investment grants is ending — funds today go into cheap, repayable instruments. That's good news: you get a development loan faster, year-round, with no competition lottery, and thanks to EU subsidies its cost is a fraction of a commercial loan.
What we do:
- We navigate the fragmented loan market to get you the lowest rate.
- We tell you plainly when a grant isn't owed — instead of over-promising one.
- And when a grant genuinely fits (R&D, innovation, transformation) — we structure the grant component and de minimis limits, which others don't do.
A competence example (state-aid stacking): combining a loan with a BGK de minimis guarantee and a grant for the SAME costs risks breaching public-aid and de minimis limits (the €300k / 3-year threshold). It's a real, frequent problem — and one we structure correctly.
Scale: annual interest rate. 10 bars = full market cost (7.5%).
AI does the tedious part. The human decides.
We built our own AI agents that grind through call guidelines, regulations, and documentation in hours, not weeks. That means we know faster what actually fits your company — leaving us more time for what a machine can't do: application strategy and an honest conversation with you.
Matching
The agent scans open instruments and their guidelines, and matches them against your company profile. You know within days, not weeks, whether it's a loan, a grant, or nothing for you.
Preparation
The agent assembles the documentation and watches formal requirements and public-aid limits. Fewer mistakes that knock good applications out at the start.
Updates
The agent tracks announcements and call deadlines all year round. You won't miss a window — we reach out when something fits you.
AI gives us speed and precision. But whether it's even worth applying — a human tells you that. And tells you the truth.
We don't promise it'll work out. We show that it did.
Behind every number is a real company and a real project. Three out of thirty — three different worlds, the same job done: money that went into growth.
Ragus Film
film studio, Warsaw
Launched a rental business for electric bikes and kitesurfing gear.
U Kubiców
guesthouse, Śląskie region
New line: dietary catering.
Eldan Energy
renewable-energy company, Pomorskie region
Mobile lodging in eco-friendly camping trailers.
Four instruments. We pick the right one with you.
Frequently asked questions
Development loan or grant — which pays off more?+
It depends on the project. A grant is non-repayable, but today it's only available for narrow profiles and decided in a competition you can lose. A loan is cheap and available year-round, with no ranking. In the diagnosis, we tell you plainly which one — or a combination of both — actually fits.
How much does a development loan cost?+
Interest from 2% annually, with no origination fee — thanks to EU subsidies, it's a fraction of the cost of a commercial loan. Calculate your exact installment in our calculator.
Does my company qualify for a grant?+
Today, grants mostly go to R&D, innovation, digitalization, export, and startups — not everyday investments. If your project doesn't fit that, a loan is almost certainly the better option. We'll check on a free diagnosis.
What if I don't qualify, or the application has no chance?+
We'll tell you plainly before you waste time on an application with no chance. If nothing fits right now, we'll tell you what to prepare so that changes. We don't make money by talking you into competitions you'll lose.
How do I start?+
With a free diagnosis. Leave your contact details, we'll call back within one business day, and tell you what's realistically within your company's reach.
Find out what you can actually get.
No obligation — we'll tell you plainly whether it's a loan, a grant, or nothing for you.