In brief

• Aid for businesses in 2027 is to be granted under new rules, without competitions for energy-intensive companies, according to reports from the Senate.
• BGK has launched a call for a loan for dual-use products for micro, small and medium-sized entrepreneurs; this is financing that must be repaid, not a grant.
• Before submitting an application, it is worth checking the company's eligibility, preparing financial documents, and including the cost of the loan in the plan.

What is changing for business support

This means that part of the support is to be granted to companies without competing in a competition, based on meeting the established criteria. The details of the implementing regulations, including qualification thresholds and the amount of aid, have not yet been published, so the final provisions must be checked before submitting an application.

BGK loan for dual-use products

Bank Gospodarstwa Krajowego has launched a call for a loan intended for manufacturing dual-use products, that is, products that can be used both for civilian purposes and for defense (Wielkie wsparcie dla polskich firm. BGK pomoże sfinansować produkcję produktów dual-use – strefainwestorow.pl). The call is addressed to micro, small and medium-sized entrepreneurs. The bank has indicated that the loan is a form of financing, not a non-repayable grant, so the company must repay it.

For an entrepreneur, this means a different calculation than with a grant: the funds must be returned together with interest, and their cost depends on the terms of the call. Before deciding on such a loan, a company should compare the planned production with expected revenues and check whether the repayment fits its budget.

How to prepare for the call

Preparing an application starts with several steps:

• checking whether the company falls into the micro, small or medium-sized enterprise category,
• determining whether the planned production qualifies as dual-use,
• collecting financial documents for recent years and the investment plan,
• preparing an implementation schedule and a revenue forecast.

The order of these actions matters, because the bank and authorities assess above all financial reliability and the project's compliance with the call's criteria.

Common mistakes

Most often, entrepreneurs submit applications without carefully checking whether their activity meets the eligibility criteria. The second common problem is omitting the cost of the loan from the financial plan. The third is haste: in calls with a limited pool of funds, a complete application submitted earlier may be more effective than a carefully prepared but late one.

What to do if the application is not accepted

No appeal procedure or alternative forms of support for companies that do not meet the criteria has been specified. However, it is worth knowing that for a loan from the call, the bank assesses creditworthiness, so non-acceptance often results from the company's financial situation. Before reapplying, it is worth improving the documentation and supplementing the plan with detailed forecasts.

Frequently asked questions

Is the BGK call for dual-use products a grant?

No. The Bank Gospodarstwa Krajowego offers a loan that must be repaid together with interest.

Will support for energy-intensive companies be granted without a competition?

According to reports, the ruling coalition in the Senate has dropped competitions when granting aid to these companies (Wsparcie dla firm energochłonnych na nowych zasadach. Rząd niespodziewanie zmienia zdanie – msn.com).

Who can apply for the dual-use products loan?

The call is addressed to micro, small and medium-sized entrepreneurs.

Where can I find details of the call?

The detailed conditions and deadlines are provided by the bank organizing the call, so before submitting an application it is worth checking the current regulations.