Friedrich & ClementBETA

Long-term loan in the amount of 47,576,000.00 PLN

Kredyt długoterminowy w kwocie 47.576.000,00 zł

Poland · Biała Podlaska · how to bid here →

Your path to submission

  1. Deadline: 5 October at 08:00 — 1 day left.
  2. The submission point is stated in the notice (link on the right).
  3. Offer and evidence in: POL.
  4. Collect your evidence — use the eligibility analysis above: it lists the requirements and, for known certificates, how to get 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 3 months (6 awards, most recently November 2025) — by that rhythm the next award was due around March 2026. The last award went to SGB-Bank Spółka Akcyjna z siedzibą w Poznaniu.n = 6
  • The median procedure drew 4 bids (26 procedures with a bid count); 12% ended with a single bidder. Sector: median 2 bids.n = 26
  • 25% of this buyer's awards went to companies that had already won here before (119 awards since 2018, spread over 80 companies). 75% went to new names.n = 119 awards since 2018
  • 2% of awards went to companies from abroad (119 awards with a known winner country). Sector average: 1%.n = 119

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
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 4 (from 5 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 the amount of PLN 47,576,000.00 (in words: forty-seven million five hundred and seventy-six thousand 00/100) intended to finance the deficit and to repay previous loans, with the possibility of not using the full value of the loan without additional commissions and fees. The loan will be repaid between 2027 and 2052 from the District’s own income, with the possibility of extending the loan repayment years and changing the amount of annual capital instalments during the repayment period. The planned quarterly capital installments in individual years will amount to: • in 2027 – 4 instalments of PLN 107 500.00 • in 2028 – 4 instalments of PLN 145 000.00 • in 2029 – 4 instalments of PLN 115 000.00 • in 2030 – 4 instalments of PLN 125 000.00 • in 2031 – 4 instalments of PLN 112 500.00 • in 2032 – 4 instalments…

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… of PLN 112 500.00 • in 2033 – 4 instalments of PLN 145 000.00 • in 2034 – 4 instalments of PLN 250 000.00 • in 2035 – 4 instalments of PLN 250 000.00 • in 2036 – 4 instalments of PLN 475,000.00 • in 2037 – 4 instalments of PLN 475,000.00 • in 2038 – 4 instalments of PLN 475,000.00 • in 2039 – 4 instalments of PLN 475,000. PLN 600 • in 2040 – 4 instalments of PLN 602 500.00 • in 2041 – 4 instalments of PLN 675,000.00 • in 2042 – 4 instalments of PLN 675,000.00 • in 2043 – 4 instalments of PLN 675,000.00 • in 2044 – 4 instalments of PLN 675,000.00 • in 2045 – 4 instalments of PLN 675,000.00 • in 2046 – 4 instalments of PLN 675,000.00 • in 2047 – 4 instalments of PLN 675,000.00 • in 2048 – 4 instalments of PLN 675,000.00 • in 2049 – 4 instalments of PLN 675,000.00 • in 2050 – 4 instalments of PLN 650,000.00 • in 2051 – 4 instalments of PLN 650,000.00 • in 2052 – 4 instalments of PLN 654,000.00. The Employer requires the employment by the contractor or subcontractor on the basis of an employment contract of a person(s) performing activities in the scope of contract performance, the performance of which consists in performing work in the manner specified in Article 22 § 1 of the Act of 26 June 1974 - Labour Code (Journal of Laws No. Journal of Laws of 2025, item 277 as amended), i.e. the employment of persons who will perform activities directly related to the provision of credit granting services, i.e.: launching a loan in the banking system, calculating bank interest due, informing about the current state of the loan, unless these activities are carried out by persons in the course of their business activity. 3. In order to verify the employment, by the contractor or subcontractor, on the basis of an employment contract, of persons performing the activities indicated by the contracting authority in the field of contract performance, the contracting authority provides for the possibility of requesting, in particular: 1) statements of an employed employee, 2) statements of the contractor or subcontractor on the employment of an employee on the basis of an employment contract, 3) certified true copy of the employment contract of an employed employee, 4) other documents - containing information, including personal data, necessary to verify employment on the basis of an employment contract, in particular the name and surname of the employed employee, the date of conclusion of the employment contract, the type of employment contract and the scope of the employee's duties. 4. Copies of the documents referred to in paragraph 3 should be anonymised in a way that ensures the protection of employees' personal data, in accordance with the provisions of the Act of 10 May 2018 on the protection of personal data, i.e. in particular without addresses, employees' PESEL number). The name of the employee shall not be anonymised. Information such as: the date of conclusion of the contract, the type of employment contract and the length of time worked should be identifiable. 5. The Contracting Authority agrees that the Contractor or subcontractor shall submit a declaration confirming that the persons indicated are employed on the basis of an employment contract. The declaration should include in particular: an indication of the entity submitting the declaration, the date of submission of the declaration, an indication that the activities covered by the request are performed by persons employed on the basis of an employment contract, together with an indication of the number of these persons, the names of these persons, the type of employment contract and the length of time worked, and the signature of the authorised persons

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

What you must prove — eligibility criteria

›
Trade register enrolment
O udzielenie zamówienia mogą ubiegać się wyłącznie Wykonawcy, którzy spełniają warunki udziału w postępowaniu w zakresie uprawnień do prowadzenia określonej działalności gospodarczej lub zawodowej - Zamawiający uzna powyższy warunek za spełniony, jeżeli wykona… ▸▾
O udzielenie zamówienia mogą ubiegać się wyłącznie Wykonawcy, którzy spełniają warunki udziału w postępowaniu w zakresie uprawnień do prowadzenia określonej działalności gospodarczej lub zawodowej - Zamawiający uzna powyższy warunek za spełniony, jeżeli wykonawca wykaże, że posiada uprawnienia do wykonywania czynności bankowych w zakresie udzielania kredytów zgodnie z ustawą z dnia 29 sierpnia 1997 r. Prawo Bankowe (Dz. U. z 2026 r. poz. 38, ze zm.).
Requirement texts are quoted in the notice's original language — the official wording is binding.

Contract

BuyerPowiat Bialski
TypeServices
Estimated valuevalue not published
Published24 September 2026
CategoryFinancial & insurance services · CPV 66113000

Who has won here before

CompanyAwardsPeriod
STREFA ROZWOJU Danuta Rynkiewicz42022
RAMES Robert Sucharzewski42021–2022
MULTISERVICE Sp. z o.o.42022–2024
Alltech Spółka jawna Zdzisław Pająk, Artur Pająk32022–2023
TAXUS UL Sp. z o.o.32022–2025
From 18.0M documented awards · regular winners know this buyer's requirements — that is your competition.

How often this buyer tenders this

20211
20242
20255
20263

Who knows the rhythm prepares instead of reacting.

·
days until the deadline — Monday 5 October at 08:00

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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