Poland – Credit granting services – Długoterminowy kredyt w wysokości 4.000.000,00 zł z przeznaczeniem na sfinansowanie planowanego na 2026 r. deficytu Gminy Śmigiel oraz spłatę wcześniej zaciągniętych zobowiązań
Opportunity Score
Confidence: 65%
Complexity: low
30 days
Deadline
services
Contract
Deep Portfolio Analysis
- Company fit score
- Missing certificates
- Eligibility blockers
- Bid / No-Bid recommendation
AI Analysis Summary
This tender by Gmina Śmigiel seeks a long-term credit of 4,000,000 PLN to finance the 2026 budget deficit and repay previous liabilities. The loan term runs until December 31, 2037, with quarterly capital repayments and monthly interest payments (WIBOR 3M + fixed margin). No upfront fees, commissions, or early repayment penalties. Award criteria: 60% price (total credit cost) and 40% quality (disbursement time). Electronic submission via platform is required by July 15, 2026. Only Polish language accepted.
Strengths
Documents available
Open procedure
Low complexity
Analysis may be incomplete
Only part of the procurement documentation was analyzed. Additional eligibility requirements, certificates, or submission documents may exist in the remaining tender documentation.
Key Requirements
- Total credit amount: 4,000,000 PLN
- Maximum loan term until December 31, 2037
- No additional fees or commissions charged (beyond interest and margin)
Buyer
Name
Gmina Śmigiel
Location
Śmigiel, POL
Website
Buyer profile
Identifier
6981722462
Lots (1)
Single lot for a long-term credit of 4,000,000 PLN. Key terms: variable interest (WIBOR 3M + fixed margin), quarterly capital repayment, monthly interest, capital grace period until March 30, 2027, collateral via blank promissory note with weksel declaration. Disbursement possible in tranches until Dec 31, 2026. No additional fees or commissions.
Procurement Details
Publication
10 Jun 2026
Deadline
15 Jul 2026, 08:00
Procedure
open
Contract
services
Language
POL
Publication #
401548-2026
Classification
Performance: Poland
Documents (2)
Opportunity Score
Confidence: 65%
Complexity: low
30 days
Deadline
services
Contract
Deep Portfolio Analysis
- Company fit score
- Missing certificates
- Eligibility blockers
- Bid / No-Bid recommendation