Revolving Loan Plus
Revolving Loan Plus
The loan may be applied for by micro, small or medium An entrepreneur with a registered office or conducting business in the West Pomeranian province.
Loan information
The loan may be applied for by micro, small or medium An entrepreneur with a registered office or conducting business in the West Pomeranian province.
Financial conditions
Loan amount: up to PLN 500,000
Loan period: up to 5 years
Capital repayment grace period: up to 12 months
Interest rate: from 2.865%
No commissions or additional fees
Purpose of the loan (eligibility of expenses)
(1) The Revolving Plus Loan may be used to cover the applicant's current expenses arising from the applicant's business activities carried out in the Preference Area or outside the Preference Area and related to:
- covering current expenses related to salaries,
- covering running expenses related to the cost of maintaining the premises and infrastructure,
- Purchase of goods and services related to business activities,
- Payment of liabilities of a public-law nature.
(2) The condition of eligibility of expenditures in the Preference Area shall be considered fulfilled if the purpose of the expenditure indicated in paragraph 1 above, will be directly related to the Investment Project implemented by the applicant with the participation of Public Funds (grants, repayable instruments, mixed debt instruments).
The Revolving Loan Plus finances expenditures in gross amounts, i.e. including VAT.
Interest rate
- On terms more favorable than market terms, in accordance with the rules of assistance de minimis, referred to in Commission Regulation (EU) No. 2023/2831 of December 13, 2023 on the application of Articles 107 and 108 of the Treaty on the Functioning of the European Union to aid de minimis, per annum at a rate of at least 1/2 the Base Rate in effect on the date of the positive loan decision, provided that the interest rate on the Revolving Loan Plus may not be less than 1.00 % per annum. The interest rate on the Revolving Plus Loan is fixed throughout the term of the loan.
- On market terms, i.e., at the reference rate calculated using the prime rate in effect on the date of issuance of a positive loan decision and a margin determined on the basis of the European Commission's Communication on the revision of the method for setting the reference and discount rates (Official Journal of the EU C 14 of 19.01.2008 or a successor communication), after an analysis of the risk of non-repayment of the obligation incurred by the applicant and an assessment of the collateral submitted. The interest rate on the Revolving Loan Plus is fixed throughout its term. SThe base rate is announced by the European Commission. The current prime rate for Poland is published on the website of the European Commission (http://ec.europa.eu/competition/ state_aid/legislation/reference_rates.html) and the Office of Competition and Consumer Protection (https://www.uokik.gov.pl/stopa_referencyjna_i_archiwum.php).
Call for applications
Loan applications are accepted:
- In person at the LFR branch in Szczecin.
- via the postal operator at biurach Loan Fund
- in electronic form by sending to email: info@lfr.lublin.pl
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