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TED - Tenders Electronic Daily (Publications Office of the EU) verified 8 hours ago Contract notice

Poland - Credit granting services - Selection of a bank to grant a long-term bridge loan of up to PLN 70,000,000 to pre-finance EU co-funded projects

Original Polska - Usługi udzielania kredytu - Wybór banku, który udzieli długoterminowego kredytu pomostowego do kwoty 70 000 000 zł, z przeznaczeniem na prefinansowanie projektów współfinansowanych z budżetu Unii Europejskiej

Open Poland Małopolskie Financial & insurance services

Buyer Województwo Małopolskie

12 days left

Key facts

Closes
10:00 (UTC+1)
Estimated value
€764,553
converted from PLN
Procedure
Open procedure
  1. Published
  2. Today
  3. Deadline open for 17 days
  4. Awarded pending

Bidding window

17 days from publication to deadline

Usual length

Notices of this kind (Poland, open procedure, above the EU threshold) give a median of 28 days, half of them between 13 and 33 days, based on 83,323 notices of the last two years.

This buyer usually gives 15 days (median of its last 232 calls for tender). It extended none of the 17 deadlines we followed from publication.

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Summary

Machine-generated summary

The buyer is procuring the granting and servicing of a long-term bridge loan of up to PLN 70,000,000, intended to pre-finance projects co-funded from the EU budget. Interest is charged only on actually drawn debt, calculated on a 365-day year, and paid monthly. Repayment of principal and interest is due by 31 December 2027, with principal repaid after receipt of the EU refund, or from the buyer's own resources if no refund is received. Pricing is based on WIBOR 3M plus a fixed bank margin, with a commission charged only on actually drawn tranches. Security is a blank promissory note, and the buyer may decide not to draw the loan at no extra cost.

Description

1. Przedmiotem zamówienia jest udzielenie oraz obsługa przez Wykonawcę na rzecz Zamawiającego długoterminowego kredytu pomostowego, na następujących warunkach: a) wysokość kredytu: do kwoty 70 000 000 zł, b) odsetki mogą być naliczane tylko od faktycznie wykorzystanego zadłużenia, c) za rok obrachunkowy przyjmuje się 365 dni, d) zabezpieczenie: weksel własny in blanco, e) system spłaty kapitału i odsetek: - spłata kapitału i odsetek nastąpi do 31.12.2027 r., - spłata kapitału nastąpi po otrzymaniu środków z budżetu Unii Europejskiej. W sytuacji nie otrzymania refundacji spłata kapitału nastąpi ze środków własnych WM, - spłata odsetek następować będzie w okresach miesięcznych, f) oprocentowanie: oparte o stawkę WIBOR 3M + stała marża banku, g) prowizja od udzielenia kredytu zostanie naliczona i obciąży Zamawiającego pod warunkiem uruchomienia kredytu. Prowizja będzie naliczana od rzeczywiście uruchomionej kwoty kredytu (od wysokości każdej uruchamianej transzy), h) Zamawiający zastrzega sobie prawo do nieuruchomienia kredytu bez ponoszenia dodatkowych opłat i prowizji. 2. Szczegółowy opis przedmiotu zamówienia oraz warunki realizacji zamówienia zawarte są w projektowanych postanowieniach umowy w sprawie zamówienia publicznego, które zostaną wprowadzone do umowy w sprawie zamówienia publicznego i zostały podane w pkt. 21 swz (poniżej). 3. Zamawiający stosownie do dyspozycji wynikającej z art. 95 ustawy określa, że nie wymaga zatrudnienia przez wykonawcę lub podwykonawcę na podstawie stosunku pracy osób wykonujących czynności w zakresie realizacji zamówienia. 4. Wartość zamówienia wynosi: 3 345 148,97 zł (bez podatku od towarów i usług), w tym wartość zamówień, o których mowa w art. 214 ust. 1 pkt 7 ustawy Pzp została ustalona na kwotę 1 115 049,66 zł (bez podatku od towarów i usług). 5. Zamówienie należy wykonać w terminie do 31.12.2027 r. - środki finansowe winny być postawione do dyspozycji Zamawiającego w terminie do 3 dni od daty podpisania umowy, - kredyt zostanie wykorzystany przez Zamawiającego w transzach najpóźniej do dnia 31.12.2026 r., - termin spłaty rat oraz odsetek dla kredytu długoterminowego upływa w dniu 31.12.2027 r.

Terms of the procedure

How tenders are scored
Cena wykonania zamówienia: 100 points
Small firms
The buyer marks this procedure as suitable for small and medium-sized firms.
Tenders go to
ezamowienia.gov.pl/mp-client/search/list/ocds-148610-54e4d6d...

As the official notice states them.

Bid or no-bid?

Six questions before you commit a team. Under each one, what the register holds on it. The answers are yours.

  1. In your favour:

    Do we meet every eligibility criterion?

    Open procedure: any interested supplier may submit a bid.

    Above the EU threshold: open to companies from any EU country.

  2. Your call:

    Can we deliver this with the team we have?

    Estimated at €764,553.

  3. Your call:

    Do we have two comparable references?

    Comparable work is in Financial & insurance services.

  4. In your favour:

    Is the deadline realistic for a proper offer?

    12 days left, 8 of them working days.

  5. Your call:

    Is there a margin at the likely winning price?

    In this country this kind of contract is usually awarded for between €293,595 and €1.2M.

  6. Your call:

    Do we know this buyer?

    The buyer has 479 notices in the register and no pattern of winners yet.

Can I bid?

  • Open procedure: any interested supplier may submit a bid. Above the EU threshold: open to companies from any EU country.
  • The notice is written in Polish.
  • Certificates from another EU country? Check the equivalents on eCertis

Official source

Source: TED - Tenders Electronic Daily (Publications Office of the EU)

Always verify details on the official notice.

Report an error in this notice

Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 8 hours ago

View the official notice

Expected award price

likely award for this notice, from its published estimate of €764,553
€573,415 to €741,616

Comparable awards in this country and sector came in at a median of 88% of their published estimate, half of them between 75% and 97%, based on 160 awards of the last 3 years.

Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.

What this market pays

The buyer has too few awards of its own in this sector, so this is the range of the last 996 awards for Financial & insurance services in Poland.

This notice
€764,553
Median award
€542,770
Middle half of past awards
€293,595 to €1.2M

The estimate sits inside the usual range.

Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.

The buyer

Full buyer profile

Województwo Małopolskie

Poland

notices in the register
479
awards
246
awarded in total
€279.4M

Who wins its contracts

Many suppliers
different companies won its awards
182
of the awards went to the three most frequent winners
6%
of its calls state an estimated value
68%

Based on 217 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.

Competition

tenders per lot on average (open and restricted procedures)
4.8
of those lots received a single tender
9%
of the awards went to companies based in another country
2%

As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.

One dot per award, on the day it was signed, sized by its value. A ring is an award with no published value.

This buyer has no award history in this sector yet. Usual winners, Financial & insurance services - Poland

Company Wins Total awarded Last win
Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A. 116 €27.6M Oct 2026
Powszechny Zakład Ubezpieczeń S.A. 84 €34.8M Oct 2026
Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group 81 €10.3M Sep 2026
Powszechny Zakład Ubezpieczeń na Życie Spółka Akcyjna 73 €46.6M Oct 2026
Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A. 57 €3.7M Sep 2026

Based on 1934 awards with a linked company profile over the last 2 years.

8 open tenders right now

Market context

Larger than 62% of the open notices in Financial & insurance services across Europe.

open now in Financial & insurance services
2,295
median open notice
€487,600

Who wins in this market

Many suppliers

Poland · Financial & insurance services

different companies won awards here
780
of the awards went to the three most frequent winners
15%
buyers awarded contracts here
1,358

Based on 1,934 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.

Competition

tenders per lot on average (open and restricted procedures)
2.1
of those lots received a single tender
29%
of the awards went to companies based in another country
1%
of the tenders came from another country
4%

As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.

Similar tenders

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Awarded before

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12 days left

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