Friedrich & ClementBETA

"Provision and servicing of a long-term credit facility in Polish zloty in the amount of PLN 3,000,000.00 intended to finance the planned budget deficit in 2026"

„Udzielenie i obsługa długoterminowego kredytu złotowego w wysokości 3 000 000,00 zł z przeznaczeniem na sfinansowanie planowanego deficytu budżetu w roku 2026”

Poland · Obrazów · how to bid here →

Your path to submission

  1. Deadline: 8 October at 10:00 — 4 days left.
  2. You submit on eZamówienia — not here and not by e-mail. ↗ Submission via eZamówienia: account required; above the EU threshold a qualified signature, nationally the 'trusted signature' often suffices — check the wording. Sort out account and signature first — not on submission day.
  3. Collect your evidence — the eligibility requirements are listed above; for many of them the analysis explains how to obtain them.
Compiled automatically from notice and documents — no guarantee; the procedure's wording is binding.

Clement What the numbers say about this buyer

  • In this sector the buyer awards roughly every 8 months (8 awards, most recently November 2025) — by that rhythm the next award was due around July 2026. The last award went to Bank Spółdzielczy w Kielcach.n = 8
  • 21% of this buyer's awards went to companies that had already won here before (54 awards since 2019, spread over 40 companies). 79% went to new names.n = 54 awards since 2019
  • Not one of the 54 awards with a known winner country has gone to a foreign company so far. Sector average: 1%.n = 54

From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 04/10/2026.

Clement
When comparable contracts were last awarded here, usually only 2 offers came in — a solid bid has real chances.
References and certificates from your home country count fully across the EU — that is what European procurement law is for.

Foreign bidders

In Poland · Financial & insurance services, 82 contracts went to foreign companies over the last 3 years (of 16,117 recorded awards) — mostly from France, Germany, Luxembourg.

Typical field: median 2 (from 3,005 awards).

Measured from linked award data; foreign winners bidding through a local subsidiary count as domestic — the true share is higher.

What the buyer is looking for

1. The subject of the contract is the granting and servicing of a long-term loan, in Polish currency up to PLN 3 000 000.00, (in words: three million zlotys 00/100), intended to finance the planned budget deficit in 2026.

Machine translation (EU eTranslation) — official wording via the PDF link.

Contract

BuyerGMINA OBRAZÓW
TypeServices
Estimated valuenot published — common for below-threshold procedures
Published30 September 2026
CategoryFinancial & insurance services · CPV 66113000-5

Who has won here before

CompanyAwardsPeriod
Przedsiębiorstwo Drogowe Sp. z o.o. DYLMEX-INWESTYCJE Sp.k.62021–2025
PRZEDSIĘBIORSTWO ROBÓT DROGOWYCH STASZÓW Sp. z o.o.32021–2026
Solo Instal Sp. z o.o.22022
PRZEWÓZ OSÓB POLIT GRZEGORZ22025
Bank Spółdzielczy w Kielcach22025
From 18.0M documented awards · regular winners know this buyer's requirements — that is your competition.

How often this buyer tenders this

20211
20233
20241
20253
20261

Who knows the rhythm prepares instead of reacting.

·
days until the deadline — Thursday 8 October at 10:00

How to bid

Guide: how to apply on e-Zamówienia (Polen) → Registration, signature, fees — from the operator's bidder manual.

Read the full notice — Original + documents
Goes directly to this tender on eZamówienia. The full specification and all annexes are there.
Friedrich finds tenders like this for you — every morning at 7:30, each one checked by Claude (Anthropic) for fit, and he learns from your feedback what your company really does.
Register now →
"Provision and servicing of a long-term credit facility in Polish zlot — Friedrich & Clement