National · Poland · Polish Ministry of National Defence / Bank Gospodarstwa Krajowego (BGK), backed by EU SAFE loan from the European Commission

Finansowy Instrument Zwiększenia Bezpieczeństwa SAFE

LoansInnovation procurementDefence

Ticket size: ~EUR 43.7bn total Polish allocation (national envelope from EU SAFE instrument)

About the programme

FIZB SAFE is the Polish national implementing framework for the EU's Security Action for Europe (SAFE) instrument established by Council Regulation (EU) 2025/1106, which provides up to EUR 150 billion in long-maturity, competitively priced EU loans to Member States for urgent defence investment.

Poland applied on 28 November 2025 for a loan tranche of approximately EUR 43.7 billion to finance collaborative procurement of defence goods, services and works under the EU defence procurement directive.
The instrument is operated by Bank Gospodarstwa Krajowego (BGK) on behalf of the Polish Treasury, with the Minister of Finance acting as guarantor
The law entered into force in Q1 2026 following adoption by the Council of Ministers on 11 February 2026

Why it matters

For Polish and European defence-industry companies, FIZB SAFE opens a pipeline of sovereign-backed procurement orders insulated from ordinary national budget cycles, because BGK channels EU loan funds directly into qualifying cooperative defence acquisitions.

Loans can run up to 45 years with a 10-year principal grace period, making large-scale, long-lead-time defence programmes financially viable.
Companies meeting SAFE eligibility rules (primarily EU/EEA/Ukraine-established entities with ≤35% third-country content) stand to benefit from a structurally guaranteed order book underpinned by EU AAA-rated borrowing.

Calls & cycles

none tracked

No call cycle on record. Check the official programme page.

National / DenmarkOpen call

Acceleration Fund (Accelerationsfonden)

Danish Ministry of Defence / Danish Ministry of Defence Acquisition and Logistics Organisation (FMI/DALO)

The single largest pot of near-term Danish defence procurement money, with an explicit invitation for industry to propose what to buy. Speed to fielding is the main selection criterion.

Innovation procurementDefence

See programme

National / GermanyOpen call

Agentur für Innovation in der Cybersicherheit (Cyberagentur)

German Federal Government (BMVg and BMI)

One of very few German vehicles paying companies directly for security and defence-relevant research, with multi-million-euro phased contracts. Procurement-law process means longer lead times; watch the partnering events.

Innovation procurementSecurityDefenceDeep tech

See programme

National / PolandOpen call

ARP Financing for the Defence Sector (Agencja Rozwoju Przemysłu)

Industrial Development Agency (Agencja Rozwoju Przemysłu S.A.), Polish state development agency

A flexible state lender willing to bank defence-industry companies that commercial banks often avoid, useful for contract financing and liquidity in scaling defence production. No fixed calls: financing is negotiated case by case.

LoansDefenceDual-use

Working-capital loans from PLN 0.8 million (up to PLN 8.6 million with InvestEU guarantee for SMEs); larger investment and restructuring loans negotiated individuallySee programme