Toruń Loan Guarantee Fund Ltd.

The fund facilitates access to external sources of financing such as credit, loans and leasing. Surety of the Fund may be covered by investment credit and loans, working capital loan, as well as operating leasing, finance leasing and lease back. The guarantee fund shall be up to 80% of the value of a loan or lease, but not more than 800 000 złoty. Surety is timely and accorded for the duration of liabilities and no longer than 66 months. From the sureties given by TFPK can take advantage micro, small and medium entrepreneurs, business start-ups, early stage of development business and public benefit organizations. An application for a consideration of guarantee is free, and the decision is made within 7 working days.


Kujawsko-Pomorski Loan Fund Ltd.

Fund reaches entrepreneurs operating across the whole region, offering them the possibility of obtaining funding for conducting and developing economic activities. Lending procedures are simplified, and the rate of loans is determined by the reference rate defined by the European Commission. Apart from giving loans to businesses Fund is to provide micro-loans to people intending to start a business. The company implements the project “Loans for Enterprising People” within the framework of Human Capital Operational Programme.

Kujawsko-Pomorski Loan Fund is also the manager of the Trust Fund within the framework of the financial mechanism of JEREMIE. Entrepreneurs can obtain a guarantee or a loan from the JEREMIE for projects that contribute to the development of the company such: the purchase of machinery, equipment, means of transport, purchase, construction or modernization of production, service or commercial, implementation of new technical or technological solutions, and creation of new work places.


Loan Fund for Women by the Polish Agency for Enterprise Development

Loan Fund for Women is a program under which funds will be allocated for granting preferential loans to finance development or business start-up.

The funds from the loan will be able to be used to cover:

– Purchase of fixed assets without real estate; services other than consulting; intangible fixed assets, as well as materials and equipment;

– Adaptation of office buildings, manufacturing, service or commercial;

– establishing or maintaining the due performance of the obligations under the loan agreement.

The value of loan granted has to be in the range from 20 000 zł to 40 000 zł. The funds from the loan can finance up to 95% of eligible costs of the project.


AIP Seed Capital

AIP Seed Capital is an investment fund that through Business Link Toruń invests in startups. AIP Seed Capital is a seed capital fund operating at the network Incubators AIP and Business Link since July 2009. The fund aims to create conditions for the development of business ideas based on innovative solutions, by providing capital support in the newly created companies. AIP Seed Capital Strategy envisages support start-ups in the area of innovative industries, including IT, ICT, biotechnology, chemistry, medicine, renewable energy and environmental protection.

Recruitments of ideas are carried out continuously. In one start-up AIP Seed Capital invests from 100 000 zł in exchange for taking a 15% stake in a newly established company with limited liability. Additional value for start-ups that decide to cooperate with the Fund, is the ecosystem created by Polish Entrepreneurial. The companies that acquired the investment funds can use the AIP Seed Capital acceleration programme.