How to bid in this country: portals, deadlines, thresholds →
Granting a long-term loan to finance the planned deficit and repayment of previously incurred liabilities
Udzielenie kredytu długoterminowego z przeznaczeniem na finansowanie planowanego deficytu oraz spłatę wcześniej zaciągniętych zobowiązań — original title
Your path to submission
- Deadline: 13 November at 09:00 — 12 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 the granting of a long-term loan in the amount of PLN 11 797 314.00 intended to finance the planned deficit (PLN 8 421 710.00) and the repayment of previously incurred liabilities (PLN 3 375 604.00), as described in Annex 1 to the tender specifications.
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every 9 months (6 awards, most recently November 2025) — by that rhythm the next award was due around August 2026. The last award went to Bank Spółdzielczy w Augustowie.n = 6
- 32% of this buyer's awards went to companies that had already won here before (124 awards since 2017, spread over 73 companies). 68% went to new names.n = 124 awards since 2017
- The median procedure drew 3 bids (14 procedures with a bid count); 21% ended with a single bidder. Sector: median 2 bids.n = 14
- 2% of awards went to companies from abroad (124 awards with a known winner country). Sector average: 1%.n = 124
From this buyer's documented awards; comparison values from the same sector and country. Not a forecast, not legal advice. As of 01/11/2026.
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 |
|---|---|---|
| MPO Sp. z o.o. | 9 | 2021–2025 |
| BBGM Sp. z o.o. | 6 | 2022–2025 |
| Przedsiębiorstwo Komunalne Gospodarki Odpadami „Czyste Środowisko” Sp. z o.o. | 3 | 2021–2025 |
| PW Izbiccy Aneta Izbicka | 3 | 2021–2022 |
| Casablanca Catering Sp. z o.o. | 3 | 2022–2026 |
How often this buyer tenders this kind of work
Tactics
When contracts were awarded in this country and sector, usually only one or two bids came in. A solid bid has a real chance here. (Based on 3,095 completed awards — not a statement about this procedure.)
This procedure allows 31 days between publication and deadline — typical in this country is 18 (median of 9,435 procedures). A normal window for this market.
Foreign bidders
In Poland · Financial & insurance services, 83 contracts went to foreign companies over the last 3 years (of 16,308 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.
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