Types of financing available from the ARP S.A. for enterprises located in Special Economic Zones

Loans intended to finance:

investment projects related to the development of business,
liquidity support, working capital increase, financing of contracts and orders,
any activities related to commencing business activities in a SEZ – for new zone investors – the so-called “start-up loan;”
przedsięwzięć innowacyjnych,
przedsięwzięć restrukturyzacyjnych.

for investment financing, the lending period is up to 7 years,
the grace period on principal repayments for investment projects lasts until the planned investment is launched,
working capital loans may be granted for more than one year – for as long as 3-5 years,
minimum amount of funding – PLN 2 million.

ARP S.A. does not require any fees for processing loan applications or any other handling fees. The cost of financing for an entrepreneur includes a one-off commission for granting the loan and interest calculated as WIBOR + margin. However, entrepreneurs operating in the SEZ may expect a lower level of margin and commission,
for entrepreneurs operating in the SEZ, the acceptable level of the money the investor is initially required to contribute may be lower than 20%, which is usually required for investment and innovative projects,
for entrepreneurs operating in the SEZ, the acceptable level of collateral may be lower than the usually required 120% of the loan principal amount,
ARP S.A. guarantees simple and transparent terms of financing; it is also possible to combine a loan granted by ARP.S.A. with bank financing.