Cheap development loan for companies
An EU-subsidized loan from 2% interest — available year-round, with no competition or ranking lottery. For most companies, this is today's cheapest way to finance growth, digitalization, or a green investment.
What it is and who it's for
A development loan is repayable financing from European funds, provided by regional funds and financial intermediaries in your region — not by a single central institution. Thanks to EU subsidies, its cost is a fraction of a commercial loan.
It's for SMEs that want to finance growth but don't fit narrow grant profiles or don't want to wait for a competition.
Terms
- Interest rate
- from 2% annually (rate depends on region)
- Amount
- depending on region, up to PLN 5 million
- Repayment period
- up to 84–96 months (up to 8 years)
- Grace period
- up to 12 months
- Origination fee
- PLN 0
- APR
- equal to the interest rate — no hidden costs
- State aid
- de minimis preference (€300k / 3-year limit) or regional investment aid
The exact rate, amount, and installment depend on your region — our calculator (in Polish) at /kalkulator works those out precisely.
What you can spend it on
- Purchasing machinery, equipment, and production lines
- Software, digitalization, and process robotization
- Green energy — renewables, solar, thermal upgrades, energy storage
- Facility expansion, property adaptation, broadening your offer
What it looks like with us
AI does the tedious part, the human decides — the same way we work across the whole company.
- Matching — we check fund availability in your region for free and select the program. You know within days, not weeks, what you can realistically expect.
- Preparation — we file the application, business plan, and financial model, assemble the attachments, and choose the right form of collateral — so the fund has nothing to object to.
- Through to signing — we handle follow-up questions, make corrections and additions on our end, all the way to signature.
Frequently asked questions
Who provides the development loan?+
Regional funds and financial intermediaries in your region — not a single central institution. We guide you to the right operator and through the whole process.
How much does a development loan cost?+
From 2% annually (rate depends on region), with no origination fee and an APR equal to the interest rate. It's a fraction of the cost of a commercial loan — calculate your exact installment in our calculator.
How is it different from a grant?+
It's repayable, but cheap and available year-round, with no ranking. A grant can be non-repayable, but today it's only for narrow profiles and decided in a competition you can lose.
Can a loan be combined with a write-off or a grant?+
Sometimes, yes — that's the hybrid model, our specialty. We check this during the diagnosis.
See also
We'll tell you plainly what amount and rate you can realistically expect in your region.
Book a free diagnosis