24.01.2025

What institutions offer subsidies in Poland?

Key information:

  • Financing is key to the development of companies, enabling innovation and growth.
  • Non-repayable grants from District Labor Offices offer support for business start-ups.
  • The Polish Development Fund supports young companies and start-ups.
  • The Polish Agency for Enterprise Development (PARP) offers comprehensive assistance at various stages of development.
  • EU funds are available to entrepreneurs, including programs such as "European Funds for a Modern Economy."
  • The Agency for Restructuring and Modernization of Agriculture (ARiMR) is providing financial support to rural companies.
  • Preferential loans from the Bank of National Economy support start-ups.
  • Government and regional programs provide local support for entrepreneurs.
  • Choosing the right financing method is crucial to a company's success.

Details below!

 

Financing of business activities in Poland is a key element enabling the development of enterprises. In the face of dynamic market changes, access to adequate financial resources is becoming not only beneficial, but even essential. In this article, we will present various sources of funding that can support both young start-ups and mature companies in their quest for growth.

Why is financing crucial to the development of companies and you?

Financing is very often the foundation on which the development of any company is based, without which this development would be impossible. With adequate funding, entrepreneurs can invest in innovation, develop new products and increase their competitiveness. Supporting the development of companies through various forms of subsidies contributes to the country's economic growth and job creation, through which both the subsidy recipient and the State benefit.

Non-refundable grants from District Labor Offices - a chance to get started

District Labor Offices (PUP) are institutions that for years have supported the unemployed in the implementation of their career plans, Offering non-refundable grants for starting a business. For many would-be entrepreneurs, this is a key step toward financial independence and the realization of their own business ideas.

The amount and purpose of the subsidy
In 2024, the amount of funding ranged from PLN 25,000 to 45,000, providing a significant financial boost for those planning to start a business. These funds can be used for a variety of business start-up needs, including:

  • Purchase of equipment and supplies necessary for operations.
  • Acquisition of materials and raw materials to be used in the production process or provision of services.
  • Paying for start-up services, such as marketing, branding and specialized training.

Who can benefit from the subsidy?
Grants from the PUP are aimed primarily at unemployed persons registered with the labor office who:

  • They have a concrete business idea and are able to provide a detailed plan for its implementation.
  • Have not been in business for a certain period of time before applying (usually 12 months).
  • They have not previously received a similar start-up grant.

Benefits of the PUP grant

  • Non-refundable - These grants are non-refundable, provided the entrepreneur meets the terms of the agreement, such as operating for a specified period of time (usually 12 months).
  • Availability - The programs are widely available nationwide and are regularly announced by local labor offices.
  • Support at the start - The grant helps cover key start-up expenses, from equipment purchases to promotional activities.

Polish Development Fund - support for young companies and start-ups

The Polish Development Fund (PFR) is an institution that supports the development of entrepreneurship in Poland, especially in the sector of young companies and start-ups. Its mission is to create a favorable environment for the development of innovative projects and support dynamic economic growth by investing in the potential of entrepreneurs.

PFR support programs for young companies and start-ups
PFR offers a variety of financial instruments tailored to the needs of both budding entrepreneurs and those at the stage of scaling their business. Among the most important forms of support are:

  • Grants - Non-reimbursable funds that can be used for the development of innovative products or services, research and development (R&D), and expansion into new markets.
  • Preferential loans - financing with favorable interest rates to cover operating, investment or implementation costs.
  • Investment funds and venture capital - PFR, through dedicated funds, offers capital to start-ups with high growth potential, supporting their development and commercialization of innovations.
  • Accelerator programs - PFR supports entrepreneurs in building and growing their businesses through training, mentoring and opportunities to work with industry experts.

Benefits of PFR support
The financial support offered by PFR allows young companies to focus on implementing their ideas without having to worry about budget constraints. This allows entrepreneurs to:

  • Develop innovative technologies and products that stand out in the market.
  • Enter new domestic and foreign markets, increasing the competitiveness of their businesses.
  • Build networks and cooperate with investors, business partners and public institutions.
  • Minimize the financial risks associated with the initial phase of business operations.

Examples of PFR programs

  • Start in Poland - A program aimed at young technology companies, offering access to venture capital funds, accelerator support and assistance with overseas expansion.
  • PFR Starter - A fund dedicated to start-up entrepreneurs, supporting projects with high innovative potential.
  • PFR Business - An initiative that connects individual investors with young companies, facilitating financing for their growth.

PFR is also actively involved in educating entrepreneurs, organizing workshops, webinars and trainings to help young companies develop business and technology competencies.

With its comprehensive support, the Polish Development Fund supports the building of a strong start-up ecosystem in Poland, which contributes to dynamic economic growth and increases the innovativeness of the Polish economy on the international stage.

 

Polish Agency for Enterprise Development - comprehensive assistance at various stages of development

The Polish Agency for Enterprise Development (PARP) is one of the most important institutions supporting enterprise development in Poland. With its offerings tailored to the needs of companies at various stages of operation, from start-ups to larger enterprises, PARP is a universal source of financial, educational and advisory support.

Comprehensive financial and substantive support
PARP implements programs that help entrepreneurs not only in the initial phase of their activities, but also in later stages of development. The institution supports both micro, small and medium-sized enterprises (SMEs), as well as larger entities, offering grants, preferential loans and educational programs that allow employees and business owners to develop their competencies.

PARP's key programs tailored to different needs

Startup platforms for new ideas - The program is aimed at start-ups that want to turn their innovative ideas into actual business ventures. Upon completion of the incubation program, entrepreneurs can apply for non-refundable funding of up to 600 thousand zlotys, which can be used for product development, marketing and market entry.

Automation and robotization in SMEs - Under this program, PARP supports companies in their transformation to Industry 4.0. The funding, which can go as high as PLN 3 million, allows the implementation of modern technologies, the automation of production processes and the purchase of advanced equipment, which increases the efficiency and competitiveness of enterprises.

SMART Path -. This program focuses on supporting projects that aim to develop innovative solutions tailored to the needs of people with special requirements. Interest in this area is growing steadily, as reflected in the number of applications submitted. Funding can be used for projects that incorporate technological innovations that make products and services more accessible.

The smart path is particularly interesting for small and medium-sized companies, if you are interested in this topic read A separate article explaining this topic.

Why take advantage of PARP's assistance?

  • Individual approach to companies - PARP offers programs tailored to the specific needs of companies in different industries, increasing their chances of success.
  • Support in technological transformation - Thanks to automation and robotization grants, companies can adapt to the requirements of the modern market and implement innovations that increase their competitiveness.
  • Competence development of entrepreneurs and employees - PARP organizes numerous training courses and workshops to help companies acquire new skills and knowledge necessary for further development.
  • Possibility of obtaining non-refundable subsidies - PARP offers programs that make it possible to obtain substantial funds without having to pay them back, provided certain conditions are met.

How to take advantage of PARP's assistance?
To take advantage of PARP's programs, entrepreneurs can submit their applications through the online system available on the Agency's website. The application process is described in detail, and PARP experts are available to provide support during each phase of the application.

With its comprehensive offer, the Polish Agency for Enterprise Development supports entrepreneurs in achieving their business goals while building a stronger and more innovative economy.

EU funds - support for Polish enterprises

EU funds play a key role in financing the development of businesses in Poland, offering a variety of support programs aimed at increasing innovation, competitiveness and sustainable development. In the financial perspective for 2021-2027 Poland has record funds at its disposal, totaling €76 billion, much of which is earmarked to support entrepreneurship and innovation.

 

The Credit Union offers several programs, we have provided 3 examples below.

European Funds for a Modern Economy (FENG):

  • This is a continuation of the Intelligent Development Operational Program from 2014-2020.
  • Focused on supporting innovation and research, as well as increasing the competitiveness of Polish companies.
  • This program aims to support projects related to new technologies and digital transformation.

Eastern Poland Program:

  • Dedicated to the five eastern provinces and the Mazovia region (excluding Warsaw).
  • It offers support to SMEs in infrastructure development and innovation.

European Funds for Infrastructure, Climate, Environment (FEnIKS):

  • The program's budget is more than 25 billion euros.
  • Targeted at key environmental, energy and transportation projects

If you are interested in any of the grants and would like to apply, keep in mind that the process often requires a detailed approach. Analyses of the market, competition and business environment may be necessary to confirm the viability of obtaining support.

Feel free to contact us - we can help you carry out the following comprehensive analyses, supporting your efforts in applying for funding.

Funding for rural businesses from the Agency for the Restructuring and Modernization of Agriculture

The Agency for Restructuring and Modernization of Agriculture (ARiMR) is one of the most important institutions in Poland for financially supporting the development of companies in rural areas. Its programs target both farmers and entrepreneurs operating in rural areas, offering a wide range of funding opportunities.

Financial support from ARMA can cover a variety of business areas, including:

  • Infrastructure development - The funds allow for the construction or modernization of roads, water and sewage networks, as well as other public facilities crucial to the development of rural communities.
  • Purchase of modern equipment - The subsidy allows the purchase of agricultural machinery, equipment for processing agricultural products or equipment used in agro-tourism.
  • Modernization of existing facilities - Entrepreneurs can get support for the renovation of outbuildings, warehouses, or other facilities related to their business.

The subsidies offered are aimed not only at improving the quality of services offered by local companies, but also at increasing their competitiveness in the market. With ARMA's support, entrepreneurs can more effectively implement innovative technologies, optimize production costs and respond more effectively to the needs of their customers.

It is worth noting that ARMA offers various programs, such as:

  • Rural Development Program (RDP)., which supports farm modernization, non-agricultural business development and environmental initiatives, among other things.
  • Assistance in crisis situations, such as natural disasters that have affected farmers and their operations.
  • Support for young farmers, which helps start and expand businesses in rural areas.

The process for applying for funds from the ARMA is clearly defined and available to both individuals and businesses. Applications can be submitted through the agency's local branches, and detailed information on the terms and conditions of each program is available on the ARMA website.

With ARMA's support, rural companies have a chance not only to increase efficiency and improve competitiveness, but also to strengthen local communities and the sustainable development of Poland's rural areas.

How do you choose the best financing method for your business?

The choice of the appropriate financing method should be thoughtful and tailored to the specifics of the company's operations. It is important to carefully analyze the available options and their requirements. Key factors include:

  • Purpose of funding - Investment in development or ongoing operations?
  • Cost of raising capital - What will be the interest or other costs?
  • Flexibility - How soon do you need funds?

Making an informed decision can significantly affect a company's future.

If you are looking for support in building a strategy, take a look at our strategic consulting offer. With 26 years of experience in the market, we know how to effectively support the development of companies. Check out how we can help you

Good preparation for financing is extremely important

Choosing the right source of funding is crucial to the success of any business. Poland's offer of grants and subsidies is rich and varied, creating many opportunities for both new start-ups and growing businesses. The key step is to carefully analyze the available options and tailor them to individual business needs.

Kamil Biegaj

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