Anti-crisis shield

The Anti-crisis shield consist of financial instruments created to counteract the negative effects of the SARS-CoV-2 pandemic.

What is the Anti-Crisis Shield?

  • Under the Anti-Crisis Shield, companies can apply for debt financing on commercial terms,
  • in accordance with the government programme for counteracting the effects of the SARS-CoV-2 pandemic, IDA JSC together with ARP Leasing sp. z o.o. created an offer of debt financing addressed to small and medium enterprises and large companies,
  • The budget available to IDA JSC and ARP Leasing sp. z o.o. within the framework of the Anti-Crisis Shield is PLN 1.7 billion.
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Instruments under the Anti-Crisis Shield:

  • Working capital loan to finance working capital deficit
  • Working capital loan to finance salary payments
  • Loan for repayment of credit instalments
  • Leasing with a grace period in repayment of heavy transport equipment
  • Leasing #REMachinery with grace in repayment
  • Leasing #Machinery without own contribution or with grace in repayment
  • Support programme for entrepreneurs in the bus passenger transport sector
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HOW TO TAKE ADVANTAGE OF THE ANTI-CRISIS SHIELD OFFERED BY IDA JSC?

The shield product offer is available

  • in Entrepreneur Service Centres across the country,
  • via the website arp-tarcza.pl.
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Tarcza Antykryzysowa dla sektora MŚP. Główne założenia.
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Wspieramy przedsiębiorców w walce ze skutkami pandemii COVID-19. Na ten cel przeznaczamy 1,7 mld zł

WHO IS THE ANTI-CRISIS SHIELD OFFERED BY IDA JSC ADDRESSED TO?

Customer classified as "normal" at the bank at the end of 2019 and "normal" or "under observation" at the time of application. **

** applies to Loan to repay loan instalments

The tools listed below are of a repayable financing nature and are dedicated to entrepreneurs who:

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Company size

Belong to the SME sector or are a large company.

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The form of conducting settlements with the tax authorities

Run full accounting.

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Period of conducting business activity

Have been in business for at least 24 months.

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Revenue criterion

In the last accounting period they had revenues of at least PLN 4 million.

*not applicable to the Support Programme for the bus passenger transport sector

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EBITDA

Have finished the last year with a positive EBITDA (operating result + depreciation) and a positive net financial result.

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Additional financing

They are looking to raise additional funds to finance a working capital deficit or to refinance currently leased means of transport, obtain a grace period for repayment and extend the term of the financing during the state of the SARS-CoV-2 epidemic or until its negative economic effects cease.

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Company status

Client classified with the bank at the end of 2019 as "normal" and at the time of application as "normal" or "under watch" (applies to loan repayment loan).

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