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National · Poland · Bank Gospodarstwa Krajowego (BGK), under Fundusze Europejskie dla Nowoczesnej Gospodarki 2021–2027 (FENG), in cooperation with the Polish Ministry of Funds and Regional Policy

Kredyt na wytwarzanie produktów podwójnego zastosowania

LoansGrantsDual-useDefenceDeep tech
Ticket size
Min. PLN 2m in eligible costs per project; grant premium up to 70% of eligible costs; total call budget PLN 400m

About the programme

This BGK instrument supports Polish SMEs seeking to launch or expand production of dual-use products (goods, software and technologies with both civil and military applications listed in Annex I of EU Regulation 2021/821).

  • The mechanism combines a commercial investment credit with a non-repayable premium (WPPZ) paid by BGK directly against the loan principal, covering up to 70% of eligible project costs.
  • It is delivered under the FENG 2021–2027 programme, with the first call running from 29 October 2026 to 28 January 2027.
  • Investments must be based on proprietary intellectual property such as R&D results, licences or patents, and are available to firms operating across Poland except Warsaw and adjacent counties.

Why it matters

Defence-tech and dual-use SMEs can access effectively non-repayable public co-financing of up to 70% of investment costs for scaling production, reducing the equity dilution that equity rounds would require.

  • The PLN 400m call budget (with possible expansion) and a structured pipeline of further calls make this a major near-term funding opportunity for Polish and EU-based companies producing dual-use hardware or software.
  • The instrument's alignment with EU Regulation 2021/821 also signals regulatory legitimacy and potential for downstream export support.

Calls & cycles

none tracked
No call cycle on record. Check the official programme page.

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