Pomeranian
Development Fund

The Pomeranian Development Fund (PDF) was established in 2015 on the initiative of the Self-Government of the Pomeranian voivodship. The Fund is the voivodship’s effective tool supporting micro, small, and medium-sized enterprises as well as municipal self-governments by providing funding without complex procedures. It provides tools for companies and cities to jointly strengthen their economic development in Pomerania.

The Fund supports local business with dedicated loans and guarantees, helping in undertakings such as purchasing or renovating real estate, developing export operations, hiring new employees, investing in new production lines, or conducting day-to-day business activities.

The PDF also finances the growth of Pomeranian cities. Thanks to the Municipal Loan, many local governments, cultural institutions, and companies will be able to carry out multi-million dollar investments in urban areas.

In addition to the using the services of financial intermediaries to support SMEs, the Company applies its own human resources – when handling products for urban investments.

  • Support for micro, small, and medium-sized enterprises operating in the Pomeranian voivodship through low-cost and simple financing solutions,
  • Financing the development of Pomeranian cities by supporting infrastructure projects,
  • Development of funding for energy efficiency and capital products.

  • The Fund supports SMEs through selected financial intermediaries,
  • Companies applying for loans/guarantees must operate in the area of the Pomeranian voivodship,
  • Detailed information on the products is provided by financial intermediaries,
  • The Municipal Loan is handled by PDF employees (no intermediaries involved).

AVAILABLE FINANCIAL PRODUCTS:

  • For investments and turnover-related purposes,
  • For micro and small businesses,
  • Up to 1 million PLN,
  • The terms are determined by financial institutions.

  • For the search for and acquisition of employees; for the employment and search for new employees as well as the creation of new jobs, including, among other things, the costs of salaries with mark-ups; for improving the qualifications of employees; for the organisation of paid internships/placements; and for expenses inherent in employees’ relocation and welfare package.
  • For micro, small and medium-sized companies,
  • Up to 100,000 PLN per employee, 3 loans per company at maximum,
  • Repayment period: 5 years, interest rate: 0.92% on the de minimis terms, grace period: up to 6 months.

  • For the purchase, fit-out, or adaptation of a property for business needs,
  • For micro and small businesses,
  • Up to 1.5 million PLN,
  • Repayment period: 10 years, interest rate: from 2.44%, commission: up to 3% of the loan amount, grace period: up to 12 months.

  • For investment or investment and turnover-related purposes contributing to the commencement or increase of export operations,
  • For micro, small and medium-sized companies,
  • Up to 750 thousand PLN,
  • Repayment period: 7 years, interest rate: from 2.44%, commission: up to 3% of the loan amount, grace period: up to 12 months.

  • To secure revolving and non-revolving loans intended for turnover-related or turnover and investment-related purposes,
  • For small and medium-sized companies.

  • The purpose of the loan is, among other things, to invest in degraded urban areas, public buildings, cultural infrastructure, facilities contributing to the development of business functions, monuments of architecture and complexes thereof along with their surroundings, as well as to improve the quality of public space in terms of spatial development and public transport infrastructure,
  • The Municipal Loan can be granted to, among others, companies, entities from the public finance sector, NGOs, tenants’ associations and cooperatives, as well as property owners or managers,
  • Loan from 300 thousand to 25 million PLN,
  • Up to 20 years to repay the loan,
  • The commission not higher than 1.5% of the loan amount,
  • The interest rate set at market level or below,
  • The loan must be used within 4 years from the date of disbursement of the first tranche.

  • To maintain business activity affected by the epidemic,
  • For micro, small and medium-sized companies,
  • Up to 150,000 PLN,
  • Repayment period: 5 years, interest rate: 0%, commission: 0%, grace period: up to 12 months.