Friedrich & ClementBETA

Granting a long-term bank loan in the amount of PLN 4,800,000, intended to finance the planned budget deficit of the Tykocin Commune in 2026.

Udzielenie długoterminowego kredytu bankowego w kwocie 4 800 000 zł, z przeznaczeniem na sfinansowanie planowanego deficytu budżetu Gminy Tykocin w 2026 roku.

Poland · Tykocin · how to bid here →

Your path to submission

  1. Deadline: 8 October at 10:00 — 4 days left.
  2. The submission point is stated in the notice (link on the right).
  3. Offer and evidence in: POL.
  4. 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

  • 7% of this buyer's awards went to companies that had already won here before (55 awards since 2021, spread over 44 companies). That is well below the sector norm (30%) — this buyer switches suppliers more often than others.n = 55 awards since 2021
  • The median procedure drew just one bid (9 procedures with a bid count); 56% ended with a single bidder. Sector: median 2 bids.n = 9
  • Not one of the 55 awards with a known winner country has gone to a foreign company so far. Sector average: 1%.n = 55

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.

Submission language: POL.

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. Subject of the contract: Granting a long-term bank loan in the amount of PLN 4 800 000, intended to finance the planned budget deficit of the Tykocin Commune in 2026. Procedure ID: ocds-148610-b84b141e-1b2e-4f49-b017-7400be91e5cc 2.The Contracting Authority does not allow the Contractors to apply a preparatory commission - such offers will be rejected and 60% of the order will be executed. 3.The Contractor should familiarize himself with all the provisions of the SWZ. The Contractor should obtain all information that may be necessary to prepare the offer and conclude the contract for the implementation of the Order. The subject of the contract is specified in the FTZ in question and its annexes, which the Ordering Party attached in order to correctly calculate the price of the offer. 4. Link to Orders, Resolutions, Financial Statements, Multiannual Financial Forecasts (…). Documents…

Show full description

… are available on the BIP website to examine the creditworthiness of the Municipality: Order No 57/2026 of the Mayor of Tykocin of 10 July 2026. The contracting authority provides for the use of a ‘reverse procedure’: 5. The Ordering Party informs that in accordance with Art. 1 of the Public Procurement Act will first examine and evaluate the tenders, and then make a qualitative selection of the Contractor whose tender has been the highest in terms of the lack of grounds for exclusion and compliance with the conditions for participation in the procedure. 6. The contracting authority shall not divide the contract into lots. 7. Contractors may apply for the award of the contract if they meet the conditions relating to: 1. the right to pursue a specific economic or professional activity, if this results from separate provisions: the right to engage in a specific economic or professional activity, if this results from separate provisions; - The Contractor is authorised by the Polish Financial Supervision Authority to carry out banking activities in Poland and to provide the services covered by the contract, in accordance with the Banking Law Act of 29 August 1997 (Journal of Laws No. Journal of Laws of 2026, item 38 as amended) of Article 36 , and, in the case referred to in Article 178(1) of the Treaty on the Functioning of the European Union, of the Treaty on the Functioning of the European Union. 1 of the Banking Law Act, another document confirming the commencement of activity before the date of entry into force of the Act referred to in Article 193 of the Banking Law Act or equivalent documents (confirming the right to conduct banking activities in Poland in the field of banking services and granting loans in accordance with the provisions of the aforementioned Act). In accordance with Art. 117 para. 2 of the Public Procurement Act - in relation to contractors jointly applying for the award of a public contract, the condition will be met if at least one of the contractors jointly applying for the award of the contract referred to in Art. 2(2) of the Public Procurement Act, is authorised to carry out banking activities in Poland and to provide the services covered by the contract, in accordance with the provisions of the Banking Law Act of 29 August 1997 (Journal of Laws No. Journal of Laws 2024, item 1646, as amended), and in the case referred to in Art. 1 of the Banking Law Act, another document confirming the commencement of activity before the date of entry into force of the Act referred to in Article 193 of the Banking Law Act and will provide the services for which these rights are required. 2.2 Technical or professional capacity: The Ordering Party does not impose a condition in this respect. 2.3 economic or financial situation: The Ordering Party does not impose a condition in this respect. 2.4 ability to trade: The Ordering Party does not impose a condition in this respect. 8. Contractors in respect of whom any of the following circumstances apply shall be excluded from the procurement procedure: (1) In Article 108(1) of the Treaty on the Functioning of the European Union, 1 p.p. – mandatory; (2) In Article 109(1) of the Treaty on the Functioning of the European Union, 1 point 1 p.p. – optional; j. who has breached obligations relating to the payment of taxes, levies or social security or health contributions, except in the case referred to in Article 108(2); 1 point 3, unless the contractor adequately before the expiry of the deadline

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

Selection criteria — in the procurement documents

The buyer states in the notice that the selection criteria are in the procurement documents (link on the right), not in the EU form. The document analysis below extracts them from there — bid and evidence in Polish.

Contract

BuyerGmina Tykocin
TypeServices
Estimated valuevalue not published
Published22 September 2026
CategoryFinancial & insurance services · CPV 66100000

Who has won here before

CompanyAwardsPeriod
MPO Sp. z o.o.32021–2025
Contractus Agro Sp. z o. o.22024–2025
Bastem Marcin Bastek22026
HESSO-OIL sp. z o.o.22022–2025
Przedsiebiorstwo Produkcyjno-Handlowo-Usługowe ,,OPAL'' Irena Puławska, Roman Pułąwski12025
From 18.0M documented awards · regular winners know this buyer's requirements — that is your competition.

How often this buyer tenders this

20251
20263

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 TED — Tenders Electronic Daily. The full specification and all annexes are there.

Tender documents — direct download

Specifications and annexes hosted by the buyer — usually accessible without registration.
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