For Polish entrepreneurs planning energy modernization of their companies, a key deadline is approaching. Bank Gospodarstwa Krajowego (BGK) is preparing a new application round under the FENG Ecological Credit program. The competition announcement will be made on September 23, 2025, and application submission will begin on October 24, 2025, lasting until January 8, 2026 (4:00 PM).
Specific Amounts – What Can You Expect?
The planned amount allocated for co-financing in the upcoming round is 95 million PLN, with the possibility of increasing the competition allocation. This means a real chance to receive significant financial support for modernization projects.
The ecological credit offers co-financing from 15% to 80% of eligible costs, depending on the type of expenditure, company size, and investment location. In the previous round, the maximum value of eligible expenditures was equivalent to 50 million EUR per project.
Who Can Apply for Support?
The Ecological Credit is available to enterprises that: • Conduct business activity on Polish territory (confirmed by registration in the appropriate registry) • Meet the criteria for micro, small, or medium enterprises according to EC Regulation 651/2014, or belong to the small mid-caps or mid-caps category • Have creditworthiness
The program covers all of Poland, so company location does not limit application possibilities.
How Does the Ecological Credit Mechanism Work?
The key feature of the program is its financial structure. Public support constitutes an ecological premium – co-financing that refunds part of the ecological credit capital. In practice, this means:
- The entrepreneur receives a credit from a commercial bank to implement the investment
- BGK repays part of this credit in the form of an ecological premium
- The entrepreneur only repays the remaining part of the credit to the bank
What Can the Funds Be Used For?
The ecological credit can be used to modernize existing infrastructure (buildings, machinery, and equipment). Key condition: the modernization result must be a reduction in primary energy consumption in the modernized area by at least 30% compared to current consumption.
Co-financing may cover expenditures on:
- Acquisition of fixed assets
• Acquisition of construction works and materials
• Acquisition of intangible assets and rights (patents, licenses, know-how, other intellectual property rights)
• Studies, expertise, concepts, and technical projects performed by external advisors related to the implemented project
Minimum and Maximum Amounts
Minimum eligible expenditure amount: 2 million PLN. Maximum eligible expenditure amount (according to the previous round) is equivalent to 50 million EUR (for the upcoming round, please verify information on www.bgk.pl after the announcement). Co-financing level: from 15% to 80% (depending on expenditure type, company size, and location).
These parameters indicate that the program is directed toward serious modernization projects that will bring significant effects in terms of energy efficiency.
Practical Application Aspects
Dates to Remember:
• September 23, 2025 – competition announcement
• October 24, 2025 – start of application submission
• January 8, 2026, 4:00 PM – end of application submission
Where to Submit Applications: The co-financing application should be submitted through the Application Generator available on the European Funds for Modern Economy 2021-2027 (FENG) website.
Lending Banks
The basis of financing is an ecological credit granted by one of the lending banks indicated on the BGK website in the “Lending Banks” section. The list of available partner banks is available on the program’s official website.
Investment Areas
Within the framework of the activity, entrepreneurs can implement investments for:
• Broadly understood energy efficiency
• Energy savings, including thermal modernization of buildings
• Changing energy sources to more ecological ones
• Replacing equipment, installations, or technological lines with more energy-efficient ones
Why Consider Applying?
Business Benefits:
• Significant reduction in investment costs (up to 80% co-financing)
• Guarantee of 30% energy consumption reduction = concrete operational savings
• Improved competitiveness through lower energy costs
• Preparing the company for growing environmental requirements
Strategic Benefits:
• Infrastructure modernization with minimal financial burden
• Increased company asset value
• Building a positive image as an environmentally responsible company
Current Program Status
The program is financed from the European Funds for Modern Economy Program (FENG) for 2021-2027. Currently, evaluation of applications from the third round is underway, demonstrating the program’s continuity and stability.
Support and Contact
For questions:
• Email: kredyt.ekologiczny@bgk.pl
• BGK Helpline: 22 475 88 88 (Mon-Fri, 7:30-17:30)
• Application round documentation and FAQ available in relevant sections on the BGK website
What’s Next? Action Timeline
September 23, 2025 – detailed review of the competition announcement October 2025 – submit application in the first days of the round January 2026 – last deadline for application submission
Key Requirement: 30% Energy Savings
The most important technical requirement is achieving a reduction in primary energy consumption by at least 30% in the modernized area. Projects that do not meet this criterion will not receive support.
Strategic Perspective
The FENG Ecological Credit is a program with clear criteria and a proven operating mechanism. The allocation of 95 million PLN (with the possibility of increase) with a minimum project amount of 2 million PLN means that funds will be sufficient for several dozen projects.
For enterprises planning energy modernization, this may be the last such favorable opportunity to receive significant public support. Growing environmental requirements and energy prices make such investments not a luxury, but a business necessity.
The question is: will your company be ready for the application round that begins in just a few weeks? If you want to learn the program details and need help preparing your application, write to us: szkolenia@szkoleniaoze.com.pl.
Anna Faltus
An entrepreneur who operates primarily in the renewable energy sector. Owner of brands such as: RES Training (Szkolenia OZE), RES Academy (Akademia OZE), through which she organizes specialized training in renewable energy sources and facilitates networking within the RES industry. Initiator and founder of the RES Portal Magazine project – an online educational and informational magazine that promotes access to expert knowledge in the field of renewable energy sources. Organizer of the international conference combined with the exhibition fair ONLINE PV Conference&Expo aimed at the photovoltaic industry, the PV SALES LAB conference, and the Portal OZE Partners Day event series. Business advisor specializing in entrepreneurship, company development, and securing EU funds for establishing and developing business activities as well as for investment support (11 years of experience in securing EU funds).
