Knowledge

Energy efficiency support for SMEs in Silesia: 1% preferential loan with the possibility of repayment up to 30%

Mariusz Golebiewski
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Senior consultant and leader of the energy efficiency/RES team
16
.
03
.
2026

Rising energy prices and increasingly stringent regulatory requirements are making the energy transition increasingly a business necessity. For many companies, however, capital remains a barrier. The FE SL 2021-2027 program (Measure 2.5) offers financing whose conditions are more favorable than market conditions. It is addressed to entrepreneurs, communities, housing cooperatives and local government units. The loan is provided by two commercial banks: BNP Paribas and BOŚ Bank.

Why is this solution cost effective?

Support under Measure 2.5 for Silesia improves the financial liquidity of enterprises in the process of energy transition. Key parameters that determine the advantage of the program:

  • Combination of loan with redemption of capital and investment loan — Maximum level of support PLN 5 million loans and PLN 10 million Investment loans for entrepreneurs. In some projects, the investment loan component is mandatory. Maximum time Repayment 15 years.
  • Low cost of capital — Preferential, fixed interest rate on the loan portion of 1% per year, allows for a significant reduction in the total cost of capital, making the support extremely beneficial for the beneficiaries.
  • Redemption mechanism — Possibility reduction of capital to be repaid by 30% significantly reduces the real cost of the investment relative to its market value.
  • Alignment with the investment cycle — Possible grace period in repayment of capital, lasting up to 24 months after the completion of the upgrade, allows you to fully implement the technology and achieve the first operational savings even before the start of the loan repayment.

Our services as part of the energy efficiency audit

The audit is a key step in the process of applying for grants and grants. We will prepare a study that will meet the requirements of the Energy Efficiency Act and meet the expectations of, for example, an ecological loan.

Find out more

What can funds be allocated for?

The funds are dedicated to a wide range of activities, including:

  • Efficiency of production lines — Replacement of energy-efficient machines and optimization of processes.
  • Renewable energy for own needs — Photovoltaic installations integrated into the building and energy storage.
  • Thermal modernization of buildings — Warming, replacement of joinery, modernization of heating systems.
  • Energy Management Systems (EMS) Intelligent metering and control of consumption.

A loan can get granted for 1 or more ventures from the ranges of the above list.

Terms of obtaining a loan:

  • Territory — Silesian Voivodeship,
  • Beneficiaries — SME enterprises, housing communities and cooperatives and local government units,
  • Energetic effect — the project must generate savings of at least 30% of primary energy,
  • The incentive effect — the loan application must be submitted before the start of the investment,
  • Open call — the programme continues until the funds are exhausted and the support is granted after the conditions have been met (it is not competitive),
  • Time of decision — is a few weeks, therefore it is much shorter than in competitive nationwide programs,
  • No need for a competitive base — Facilitated selection of the contractor

The key element of obtaining a loan is the performance of an energy audit ex-ante (before the investment), which confirms that the investment will bring minimum 30% primary energy savings. It is necessary the element of the technical documentation accompanying the application for funding.

The verification of applications is faster than for other programmes aimed at increasing energy efficiency. The key to success is the reliable preparation of technical documentation. As experts in energy consulting, we will guide you through this process.

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