BGK de minimis loan guarantees for SMEs
Gwarancje de minimis BGK dla mikro, małych i średnich przedsiębiorstw
Paid by Bank Gospodarstwa Krajowego · 🇵🇱 Poland
What this pays
The published value, how it is calculated, and whether it is cash or a credit ceiling.
Email and a six-digit code, then €50 a year. No password to forget.
Gated on a personal circumstance. This programme depends on disability or long-term condition — a condition the structured eligibility fields below do not capture. Read the official page carefully before assuming you qualify.
Who qualifies
UnlockThe 2 published rules this programme tests you against — age, income, residency, household and the rest.
The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.
1 document you'll need
UnlockExactly what to gather before you start, so nothing sends you back to the beginning.
Where this comes from
zobowiązanie BGK do zapłaty z tytułu gwarancji [...] z uwzględnieniem wskaźnika procentowego gwarancji, określonego w umowie kredytu (nie większego niż 60% z zastrzeżeniem ust. 1 pkt 1 i 2 i ust. 13)
https://www.bgk.pl/produkty/gwarancja-de-minimis/
A researcher has read this record against the official page.
Last checked against the official page on 5 October 2026
Source: www.bgk.pl
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Related reading: How to read a grant eligibility rule · What is de minimis aid?
Other business & self-employment support in Poland
7 more programmes are on the paid plan, with the amount, the rules, the documents and the steps for each.
- EU grants for businesses (European Funds 2021–2027)
- SMART Path grants for R&D and innovation implementation
- Export credit guarantees and insurance from the state export credit agency
- National Science Centre research grants
- National Centre for Research and Development grants and loans for innovation
- National Training Fund — training co-financing for employers
- PFRON monthly wage subsidies for employees with disabilities
Similar programmes
Export credit guarantees and insurance from the state export credit agency
KUKE S.A. (poręczenia Skarbu Państwa)
One-off start-up grant for the unemployed from the labour office
Powiatowy urząd pracy (Fundusz Pracy)
PFRON monthly wage subsidies for employees with disabilities
Państwowy Fundusz Rehabilitacji Osób Niepełnosprawnych
PFRON start-up subsidy for persons with disabilities
Powiatowy urząd pracy (środki PFRON)
EU grants for businesses (European Funds 2021–2027)
PARP / urzędy marszałkowskie (Fundusze Europejskie)
National Science Centre research grants
Narodowe Centrum Nauki