Preferential investment loan – SILESIA ‘2020 Loan Fund

Loan Fund SILESIA’2020 is implemented under Measure 3.4. Recapitalization of external sources of co-financing for entrepreneurship implemented by the European Investment Fund (EIF) from the European Regional Development Fund under the Regional Operational Program of the Silesia Province for 2014-2020.

The development loan is granted on preferential terms and constitutes -de minimis aid – in accordance with Commission Regulation (EU) No 1407/2013 of 18 December 2013. on the application of Article 107 and 108 of the Treaty on the Functioning of the European Union to – de minimis aid.

Who can apply for a loan?

Micro, small and medium enterprises, conducting business for at least 12 months and having their registered office in the Silesia Province and / or carrying out an investment in the province of Silesia.

Interest

Variables from 0.49% per-annum, determined based on the base rate announced by the European Commission increased by a margin, using 80% of the financial benefit for the entrepreneur.

The loan amount

From PLN 1,000,000 to PLN 4,000,000.

Destiny

For financing expenses related to the implementation of investments in the Silesia Province, including:

1. purchase of real estate, perpetual usufruct right, ownership of a cooperative right to the flat, directly related to the business activity conducted,
2. construction, extension, adaptation or renovation and modernization of buildings, premises and production, service and commercial buildings directly related to business operations,
3. purchase of machinery and equipment, including means of transport (excluding vehicles intended for road transport of goods), directly related with business activity,
4. purchase of IT software, licenses and other rights on intangible goods directly related to business operations,
5. purchase of an enterprise within the meaning of art. 51 of the Civil Code or its organized part,
6. other investment projects directly related to the conducted business activity.

Financing structure

Financing expenditure with a development loan requires the applicant to commit own contribution amounting to at least 20% of the total value of investment expenditures.

Financing period

Up to 10 years with the possibility of a grace period in repayment of capital up to 18 months.

Repayment method

In monthly installments.

Repayment of all or part of the loan may be made ahead of time.

Fee for processing the application

20 PLN payable to the account with the number 06 1050 1214 1000 0007 0162 5444.