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About Co-Financing (Mezzanine) Loans

An additional loan used as entrepreneur’s co-financing for a bank loan in cases when the bank requires greater participation than the entrepreneur is able to provide.

  • A co-financing (mezzanine) loan can be used to cover investment expenses related to the diversification of products with new ones, extension of the capacity or a fundamental change in the overall production process, setting-up of a new establishment or extension of the capacity of an existing establishment.

  • The maximum amount of a co-financing loan is up to EUR 5 mln. and it cannot exceed 45% of the total project costs (for loans from EUR 2 mln. to EUR 5 mln., the maximum amount cannot exceed 35% of the total projects costs). The minimum amount – EUR 50,000.

  • The maturity of a co-financing loan is up to 15 years for investment projects related to the acquisition, construction or reconstruction of real estate. For other investment projects, maturity is up to 10 years. 

  • Co-financing loan has a high credit risk and it is subordinated to the bank loan and low-ranking security (pledge) in relation to the bank. 

  • Co-financing loan is disbursed as regional aid in accordance with Commission Regulation (EU) No. 651/2014 of 17 June 2014.