On April 22, 2025, Poland launched a state programme for preferential loans titled "Credit for Participation in the Reconstruction of Ukraine." The programme allocates at least 250 million złoty (approximately 58.25 million euros) to Polish companies investing in and implementing business projects in Ukraine.
According to the terms of the programme, the maximum loan amount per company is 10 million złoty (2.33 million euros), the interest rate is 2%, and the repayment period is 12 years. Applications are now being accepted by three partner companies of the Polish Bank Gospodarstwa Krajowego.
“We are sincerely grateful to Poland for supporting businesses that are ready to participate in the reconstruction of Ukraine and invest in our economy. Thanks to the state programme 'Credit for Participation in the Reconstruction of Ukraine,' Polish companies will have access to preferential funds for investments in the reconstruction of Ukraine's infrastructure. These funds can also be used for services such as preparing technical and economic justification or investment projects, organizing logistics, and developing bilateral trade. This is an important contribution to our recovery, as its foundation will be the private sector,” said Ukraine’s First Deputy Prime Minister and Minister of Economy, Yulia Svyrydenko.
According to the programme's conditions, preferential loans can be used for investments and working capital expenses to support the reconstruction of Ukraine’s economy, development of exports and imports, and cooperation between Polish and Ukrainian companies.
The funds can be used for:
- Transport, storage, and logistics of goods and services for the population, as well as construction materials, equipment, technologies, and other resources required for the project.
- Development of enterprise resources to participate in the reconstruction and expansion of Ukraine's infrastructure (including roads, railways, energy, water supply, public and housing construction).
- Preparation of technical and economic justification, research, and investment projects.
- Financing of medical companies, including the production of products such as prosthetics and bandages intended for Ukraine.
- Importing services and products from contractors in Ukraine.
- Providing goods and services to companies involved in the reconstruction of Ukraine’s economy and directly supporting their activities.
Additionally, funds from preferential loans can be used to finance the acquisition of real estate in Poland, if this is closely linked to the purpose of the investment, such as building a warehouse, factory, workshop, or plant. Some sectors and investments are eligible for additional preferences.
For reference:
The managing entity of the "Credit for Participation in the Reconstruction of Ukraine" state programme is Bank Gospodarstwa Krajowego. It is implementing the programme along with three financial partners:
- Bank Ochrony Środowiska (Environmental Protection Bank)
- TISE (Socio-Economic Investment Society)
- The Consortium of the Lublin Foundation for Development and the Biłgoraj Regional Development Agency (Konsorcjum Lubelskiej Fundacji Rozwoju i Biłgorajskiej Agencji Rozwoju Regionalnego).
