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Granting and servicing a bank loan of PLN 8,000,000

GMINA BOLKÓW·Bolków, Poland·PLN 8M·Expired · Aug 05, 2026·Open·Services
Structured notice only
Original notice title

Poland – Credit granting services – Udzielenie i obsługa kredytu bankowego w wysokości 8 000 000,00 zł z przeznaczeniem na finansowanie planowanego deficytu budżetu jednostki samorządu terytorialnego oraz spłatę wcześniej zaciągniętych zobowiązań z tytułu emisji papierów wartościowych oraz zaciągniętych pożyczek i kredytów

60/100

Opportunity Score

PromisingLow complexity
ServicesExpired
Why this score?

Opportunity

60 / 100

Complexity

20 / 100

Risk factors

Margin is fixed for 8 years; if WIBOR 3M decreases significantly, the total return may be lower than alternative invest...

Buyer can reduce the loan amount or not draw full amount without cost to them, reducing the bank's interest income.

Deep Portfolio Analysis

Deep Company Fit Analysis

Uses:

  • Description
  • Industries & Services
  • Capabilities
  • Market & Experience
  • Certifications

Overview

Strong opportunity

Key Facts

  • PLN 8M estimated value
  • Services contract
  • 1 lot
  • Duration 8 YEAR
  • Granting a bank loan of PLN 8,000,000
  • Disbursement in tranches upon borrower request until 31.12.2026
Show full summary

This tender by Gmina Bolków (Poland) seeks a bank loan of 8,000,000 PLN to finance the local government budget deficit and repay existing debts. The loan will be disbursed in tranches until 31.12.2026, with quarterly repayments from Q1 2027 to Q4 2034. Interest is based on 3M WIBOR + a fixed bank margin (the only cost). No additional fees, no requirement to transfer banking services. Security is a blank promissory note. The award criterion is 100% price (lowest margin). The procedure is open, with submission deadline 05.08.2026. Only the notice was analyzed; no full procurement documents were reviewed.

Risks

Margin is fixed for 8 years; if WIBOR 3M decreases significantly, the total return may be lower than alternative invest...

Buyer can reduce the loan amount or not draw full amount without cost to them, reducing the bank's interest income.

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

Technical

  • No additional costs or fees allowed; interest is the only remuneration

Certifications

  • Valid banking license in Poland (under Polish Banking Law or cooperative bank regulations)

Administrative

  • Submission of draft contract with offer

Requirements may be incomplete.

Award Criteria

Lot 1

Price (100% weight) – lowest margin wins100%

Buyer

Location

Bolków, POL

Buyer profile

Open profile

Identifier

6951399915

Activity

General public services

Lots (1)

LOT-0001

Granting and servicing a bank loan of PLN 8,000,000

Single lot for a bank loan of PLN 8,000,000 to finance budget deficit and repay previous liabilities. Loan disbursement in tranches upon request until 31.12.2026. Repayment in quarterly instalments from 2027 to 2034. Interest: WIBOR 3M + fixed margin (no change during contract). No additional costs or fees. Security: blank promissory note with declaration. Eligibility: valid banking license in Poland. Award: 100% price (margin).

ServicesEU fundedElectronic submission

PLN 8M

Estimated value

Location

PL515, Poland

Duration

8 YEAR

Category

Credit granting services

Award Criteria

Price

Deadline

Expired Aug 05, 2026

Procurement Details

Publication date
29 Jun 2026
Languages
Polish

Reference metadata

Legal basis
32014L0024

Reference IDs

Tender ID
448075-2026

Documents (1)