Bank Millennium made available a Technological Loan for companies, recruitment carried out by BGK

Bank Millennium has made available a Technological Loan for companies, which enables obtaining co-financing in the form of a non-refundable technological bonus of Bank Gospodarstwa Krajowego (BGK), the bank announced. Bank Millennium offers financing, while the call for bonus applications is carried out by BGK.

The Technological Loan is a continuation of the competition known in the past as Loan for technological innovations. It allows you to obtain co-financing of up to 70% of eligible investment costs, consisting in the implementation of a new technology, understood as any significant and beneficial change in the process, which has not been previously used in the company, and which at the same time improves the characteristics of the product or service provided. The condition for participation in the competition is to have a credit promise or a conditional agreement of the Technological Credit, at the latest on the day of submitting the application.

“It is worth remembering that regardless of the planned date of recruitment for a specific project, it is worth starting conceptual work as early as possible. Success is the result of well-prepared projects, widely consulted within the organization, with the support of external specialists. The competition among the applying companies is very high, many of them have been holding back their investment plans for a long time, waiting for new funding opportunities. Only the best rated applications will be able to count on a positive evaluation and receiving a decision on granting a subsidy,” said Agnieszka Kwiatkowska, an expert in the Products and Credit Process Team at the Corporate Banking Marketing Department, quoted in the release.


The minimum required own contribution in the case of a Technological Loan is 10% of the loan amount.

The technological premium granted by BGK is assumed to repay part of the bank loan principal. This solution allows the bank to include a premium in the assessment of the company’s creditworthiness, and also gives the company the opportunity to obtain a higher amount of project financing.

BGK collects competition applications from March 23 to May 31, 2023. Currently, it is the only planned competition under the European Funds for Modern Economy (FENG) program, which has been completed.


BGK is a state-owned development bank that initiates and implements programs for Poland’s economic growth, cooperating with all development institutions, such as PFR, KUKE, PAIH, PARP and ARP. By implementing strategic development projects, BGK finances i.a. the largest infrastructural investments, increases Poles’ access to housing and stimulates the entrepreneurship of Polish companies in the country and abroad. He is an investor in funds whose assets are managed by the Polish Development Fund. In 2018, it began its expansion by opening foreign representative offices.


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