Loans with Biznesmax Plus guarantee

Investment and working capital loans for your company

Biznesmax Plus guarantee

Finance growth and innovation in your business with a loan with Biznesmax Plus guarantee. As part of our cooperation with BGK, we offer loans with a Biznesmax Plus guarantee, provided thanks to funds from the European Funds for a Modern Economy programme. Businesses in the SME sector and mid-cap companies in innovation-oriented projects can take advantage of this offer.

What is Biznesmax Plus guarantee?

  • a free guarantee of loan repayment for entrepreneurs
  • granted on the principles of de minimis aid or regional investment aid
  • secures up to 80% of the value of your loan or the loan amount less a capital surcharge
  • enables SME companies to apply for an interest subsidy in the case of working capital loans or for a subsidy to the loan principal in the case of investment loans

Investment loan with Biznesmax Plus guarantee with 20% subsidy from EU funds

  • The Biznesmax Plus guaranteed loan offer is financial support for modernising your business.
  • The maximum guarantee amount is the equivalent of 2.5 million EUR for SME businesses and 1.5 million EUR for mid-cap companies.

Subsidy to loan capital

  • if your business is an SME, you may benefit from a capital subsidy for the repayment of the loan capital
  • capital surcharge is 10% of the loan amount for an innovative investment, identified at least at company level or for an eco-innovation investment or 20% of the loan amount in the case of an investment aimed at digital transformation of enterprises
  • application for the capital surcharge will be submitted to Bank Millennium after the completion of the investment

Favourable terms

  • 10% - lower than standard borrower's own cotribution
  • 0 PLN preparatory commission
  • 0 PLN for Biznesmax Plus guarantee
  • without having to pledge business assets
  • support in various forms: possibility to gain a guarantee and a subsidy

Working capital loan with Biznesmax Plus guarantee with EU interest subsidy

  • Working capital loans with Biznesmax Plus guarantee is a financing solution that support the working capital needs of innovative companies.
  • The maximum guarantee amount is 1.5 million EUR.

Interest subsidies

  • your SME can benefit from an interest subsidy on the loan
  • the interest subsidy is offered for up to 24 months and is calculated on the basis of an annual rate of 5% of the loan capital amount
  • application for the interest subsidy in Bank Millennium together with the guarantee application

Favourable terms

  • 0 PLN for Biznesmax Plus guarantee
  • lower bank margin than in case of a standard working capital loan
  • without having to pledge business assets
  • support in various forms: possibility to gain a guarantee and a subsidy