How to bid in this country: portals, deadlines, thresholds →
Grant of long-term credit in the amount of PLN 12,500,000.00 for Gmina Tarnów to cover the deficit and expenditures of the municipal budget for 2026
Udzielenie kredytu długoterminowego w wysokości 12 500 000,00 zł dla Gminy Tarnów na pokrycie deficytu oraz rozchodów budżetu gminy na 2026 rok — original title
Your path to submission
- Deadline: 3 November at 09:30 — 2 days left.
- The submission point is stated in the notice (link on this page).
- Offer and evidence in: Polish.
- Collect your evidence — use the eligibility analysis on this page: it lists the requirements and, for known certificates, how to get them.
What the buyer is looking for
The subject of the contract is: ‘Provision of a long-term loan in the amount of PLN 12 500 000.00 for the Municipality of Tarnów to cover the deficit and outlays of the municipal budget for 2026’, under the following conditions: The loan will be drawn in tranches, the amount of which will be reported by the borrower in writing at the disposal of the lender to launch the loan tranche. , ‘on demand’, with the last tranche credited to the bank account no later than 31.12.2026.
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every month (5 awards, most recently November 2025) — by that rhythm the next award was due around December 2025. The last award went to Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group.n = 5
- The median procedure drew 4 bids (14 procedures with a bid count); 7% ended with a single bidder. Sector: median 2 bids.n = 14
- 37% of this buyer's awards went to companies that had already won here before (159 awards since 2015, spread over 94 companies). 63% went to new names.n = 159 awards since 2015
- Across 3 procedures with structured selection criteria, this buyer most often required: Equipment, plant and technical facilities (3 of 3), References: services (3 of 3), Professional liability insurance (3 of 3), Special authorisation or membership required (3 of 3).n = 3
- 1% of awards went to companies from abroad (159 awards with a known winner country). Sector average: 1%.n = 159
From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 25/10/2026.
Selection criteria — in the procurement documents
The buyer states in the notice that the selection criteria are in the procurement documents (link on this page), not in the EU form. The document analysis below extracts them from there — bid and evidence in Polish.
Eligibility analysis from the tender documents
Tender documents — direct download
Who has won at this buyer so far
Across all contract types of this buyer — not just this sector. A city buys software and fire engines through the same purchasing office.
| Company | Awards | Period |
|---|---|---|
| FHU EFEKT Jarosław Smosna | 5 | 2021–2026 |
| BIURO PODRÓŻY POLTRANS SPÓŁKA Z O.O. | 4 | 2024–2025 |
| PRZEDSIĘBIORSTWO DROGOWO-MOSTOWE SPÓŁKA AKCYJNA | 4 | 2023–2025 |
| Przedsiębiorstwo Drogowo – Mostowe Spółka Akcyjna | 4 | 2021–2025 |
| Przedsiębiorstwo Robót Drogowo-Mostowych Sp. z o.o. w Jaśle | 4 | 2023–2026 |
How often this buyer tenders this kind of work
Tactics
When this buyer has awarded in this sector, usually about 4 bids came in. A normal field for this market. (Based on 3 completed awards — not a statement about this procedure.)
This procedure allows 35 days between publication and deadline — typical in this country is 20 (median of 8,613 procedures). Much more generous than usual — time for a thorough bid rather than a quick one.
Foreign bidders
In Poland · Financial & insurance services, 83 contracts went to foreign companies over the last 3 years (of 16,297 recorded awards) — mostly from France, Germany, Bulgaria.
Submission language: Polish.
How to bid
Guide: how to apply on e-Zamówienia (Polen) → Registration, signature, fees — from the operator's bidder manual.
Don't miss the next one
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