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‘Provision of a long-term loan of PLN 5 800 000 for the Municipality of Łapa’
„Udzielenie kredytu długoterminowego w wysokości 5.800.000 PLN dla Gminy Łapy” — original title
Your path to submission
- Deadline: 13 November at 14:00 — 12 days left.
- The submission point is stated in the notice (link on this page).
- Offer and evidence in: Polish.
- Collect your evidence — the eligibility requirements are listed on this page; for many of them the analysis explains how to obtain them.
What the buyer is looking for
The subject of the contract is the service of granting a long-term loan in the amount of PLN 5 800,000.00 (in words: five million eight hundred thousand zlotys) intended to finance the planned budget deficit and repayment of previously taken loans and credits. 2. The loan will be released on the basis of the Ordering Party's instruction sent to the Contractor by fax or email within 2 working days from the date of submission of the instruction, to the Municipality's basic account by 31 December 2026. 3. The Contractor will place the loan at the disposal of the Ordering Party once or in tranches. 4. The loan will be repaid in quarterly periods - until the last day of the month - starting from 31 March 2027 to 31 December 2038. 1. This procedure is conducted in an open tender procedure on the basis of the Act of 11 September 2019 on Public Procurement Law and this Specification of Contract…
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… Terms, hereinafter referred to as ‘the SWZ’. 2. The estimated value of the contract exceeds the amount specified in the announcement of the President of the Public Procurement Office issued on the basis of Article 3(2) of the Act.
Contract
Type of service
Clement What the numbers say about this buyer
- In this sector the buyer awards roughly every 5 months (10 awards, most recently May 2026) — by that rhythm the next award was due around September 2026. The last award went to TOWARZYSTWO UBEZPIECZEŃ WZAJEMNYCH "TUW".n = 10
- 49% of this buyer's awards went to companies that had already won here before (154 awards since 2015, spread over 63 companies). That is well above the sector norm (30%) — newcomers have a harder time here than elsewhere.n = 154 awards since 2015
- The median procedure drew 2 bids (18 procedures with a bid count); 39% ended with a single bidder. Sector: median 2 bids.n = 18
- 4% of awards went to companies from abroad (154 awards with a known winner country). Sector average: 1%.n = 154
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.
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 |
|---|---|---|
| Zakład Wodociągów i Kanalizacji Sp. z o.o. | 27 | 2021–2026 |
| BBGM Sp. z o.o. | 14 | 2022–2026 |
| BUDOMOST Sp. z o. o. | 7 | 2023–2026 |
| Przedsiębiorstwo Energetyki Cieplnej Sp. z o .o. | 7 | 2021–2026 |
| Towarzystwo Ubezpieczeń Wzajemnych “TUW” | 5 | 2024–2026 |
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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