Fundusz Pomerania

What Fundusz Pomerania does

Fundusz Pomerania Sp. z o.o. is a privately-held regional guarantee fund (fundusz poręczeń) established in 2002 in Szczecin, Poland, operating exclusively in the Zachodniopomorskie Voivodeship. The company provides financial suretyship and guarantee instruments to micro, small and medium enterprises (SMEs), covering bid bonds (wadium), performance guarantees (NWU), advance payment refund guarantees, credit guarantees, leasing guarantees, and bank guarantee counter-guarantees. Its value proposition centres on enabling SMEs to access bank financing and participate in public procurement without adequate collateral and without freezing working capital — a structural need given the region's SME base and active public tender pipeline (6,205 tenders in 2025).

The business is built on a regulated, channel-partner model. Fundusz Pomerania does not sell directly to end customers; entrepreneurs apply at one of more than a dozen partner cooperative and commercial banks across the region, which forward applications to the fund. Named relationship managers (Katarzyna Dolat, Małgorzata Statkiewicz, Alicja Głowacka, Aneta Moroń) support clients through the process, and the ESOK (Elektroniczny System Obsługi Klienta) portal enables online application submission and status tracking. Revenue is generated through transaction-based fees calculated as a percentage of the guaranteed amount per quarter (e.g., from 0.6% per 3 months on performance guarantees up to 60 months), with some guarantees issued free of charge to clients when financed through the Zachodniopomorski Fundusz Rozwoju (ZFR) under de minimis aid rules.

Capital and governance are distributed: shareholders include Bank Gospodarstwa Krajowego (BGK, Poland's national development bank), the Zachodniopomorskie regional government, Polska Fundacja Przedsiębiorczości, Koszalińska Agencja Rozwoju Regionalnego and several cooperative banks. Registered share capital stands at 16.15 million PLN. The fund is authorised under the Polish Public Procurement Law (art. 97 and art. 449–453), holds an A+ credit rating with stable outlook from Capital Intelligence Ratings Ltd (December 2025, upgraded from A in 2023), and transfers approximately 50–60 million PLN in guarantees annually, including a JEREMIE-era track record of 1,721 guarantees worth 220 million PLN that facilitated 469 million PLN in loans to entrepreneurs.

Name

Fundusz Pomerania

Legal name

Fundusz Pomerania Sp. z o.o.

Website

https://funduszpomerania.pl

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Fundusz Pomerania Sp. z o.o. is a Szczecin-based regional guarantee fund providing bid bond, performance, credit, leasing and bank-guarantee sureties to micro, small and medium enterprises in Poland's Zachodniopomorskie Voivodeship, distributed via partner cooperative and commercial banks.

Ownership category

akta.pro rank

Product category

Regional SME Guarantee Services

NAICS

Other Insurance Funds (525190)

SIC

Surety Insurance (6351)

akta.pro industry

PRIMARYBPADACAK

Guarantee, Insurance & Risk Mitigation Facilities

Business & Public Services/International Organizations & Development/International Financial Institutions & Development Banks

SECONDARYBPADAOAG

Budget Support & Policy-Based Lending/Grants

Business & Public Services/International Organizations & Development/Donor Coordination, Grantmaking & Development Finance Programs

Keywords

• SME guarantee services
• Regional surety fund
• Public procurement guarantees
• Credit suretyships
• Leasing guarantees

Headquarters

HQ city

Szczecin

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Guarantee fees and commissions: Fundusz Pomerania generates revenue through fees charged on guarantees and suretyships issued. Fees are calculated as a percentage of the guarantee amount, charged per quarter (or per three-month period), with rates varying by guarantee type and duration. Some guarantees are free for clients when financed through the Zachodniopomorski Fundusz Rozwoju (de minimis aid).

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Fundusz Pomerania is a regional guarantee fund (fundusz poręczeń) that provides financial surety instruments to micro, small, and medium enterprises (SMEs) in the West Pomeranian Voivodeship of Poland. The fund issues bid bond guarantees, contract performance guarantees, advance payment refund guarantees, credit guarantees, leasing guarantees, and bank guarantee guarantees, enabling businesses to access financing and participate in public procurement without freezing cash.

Product overview

Fundusz Pomerania is a regional guarantee fund supporting micro, small, and medium enterprises in the West Pomeranian Voivodeship. The company offers a portfolio of financial guarantee products including Poręczenia wadialne (bid bond guarantees) for public procurement participation, Zabezpieczenie Należytego Wykonania Umowy (performance bond guarantees) for contract execution security, Gwarancja zwrotu zaliczki (advance payment refund guarantees), Poręczenia kredytów (credit guarantees) for investment and working capital loans, Poręczenia leasingu (leasing guarantees) for equipment financing, and Poręczenia Gwarancji Bankowych (bank guarantee guarantees). Services are delivered through the ESOK digital platform and include support programs like Moja firma mój sukces for entrepreneurship startups. The fund operates under the Zachodniopomorski Fundusz Rozwoju programs providing favorable re-guarantee conditions.

Differentiator

Problem solved

Functional benefit

Brands

• Zachodniopomorski Fundusz Rozwoju (ZFR): A separate development fund program that Fundusz Pomerania participates in, providing re-guarantee support for entrepreneurs through various financial instruments.

Products and services

• Poręczenia wadialne (Bid bond guarantees) Bid bond guarantees enabling entrepreneurs to participate in public procurement tenders without depositing cash security. Issued under Polish Public Procurement Law art. 97.
• Zabezpieczenie Należytego Wykonania Umowy (Performance bond guarantees) Performance bond guarantees securing proper contract execution in public procurement, protecting contracting authorities against non-performance. Issued under Polish Public Procurement Law art. 449-453.
• Gwarancja zwrotu zaliczki (Advance payment refund guarantee) Advance payment refund guarantee securing the return of advance payments in public procurement contracts, required when advance payment exceeds 20% of contract value.
• Poręczenia kredytów (Credit guarantees) Credit guarantees supporting micro, small and medium enterprises in obtaining investment and working capital loans, with surety coverage up to 80% of loan amount.
• Poręczenia leasingu (Leasing guarantees) Leasing guarantees facilitating access to equipment and asset financing through leasing transactions, serving as alternative to traditional collateral such as registered pledge. Coverage up to 80% of financing value, up to 126 months.
• Poręczenia Gwarancji Bankowych (Bank guarantee guarantees) Bank guarantee guarantees securing various types of bank guarantees including payment guarantees for deliveries and services, contract performance guarantees, and bid bond guarantees.

Quantifiable outcome

• Over 50 million PLN transferred annually in guarantees, enabling hundreds of SMEs to obtain financing
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered core and minor.

• Zachodniopomorska Agencja Rozwoju Regionalnego S.A. (ZARR)coreStrategic or Co-development Partner · 1 August 2017ZARR is the main re-guarantee partner of Fundusz Pomerania. On August 1, 2017, ZARR and Województwo Zachodniopomorskie signed an agreement establishing Zachodniopomorski Fundusz Rozwoju (ZFR). Fundusz Pomerania channels ZFR funds to provide re-guarantees on credit, leasing, and tender guarantees. ZARR re-guarantees Fundusz Pomerania's guarantees under Operational Agreement for multiple financial products (Reporęczenie Kontraktowe, Reporęczenie Uniwersalne, Reporęczenie Obrotowe, Reporęczenie Inwestycyjne). In 2024, additional 20 million PLN was secured for SME guarantees through ZARR cooperation.
• Polska Fundacja PrzedsiębiorczościminorStrategic or Co-development PartnerShareholder of Fundusz Pomerania. A national foundation supporting entrepreneurship development in Poland.
• Gospodarczy Bank Spółdzielczy w BarlinkuminorChannel Partner/ Reseller/ DistributorCooperative bank and shareholder of Fundusz Pomerania. Serves as a distribution channel for guarantee products in the Barlinek area.
• Koszalińska Agencja Rozwoju RegionalnegominorStrategic or Co-development PartnerShareholder of Fundusz Pomerania. Regional development agency from the adjacent Koszalin region.
• Zachodniopomorski Bank SpółdzielczyminorChannel Partner/ Reseller/ DistributorCooperative bank and shareholder of Fundusz Pomerania. One of the key banking partners distributing guarantee products in the region.
• Bank Spółdzielczy w GoleniowieminorChannel Partner/ Reseller/ DistributorCooperative bank and shareholder of Fundusz Pomerania. Distributes guarantee products in the Goleniów area.
• Bank Spółdzielczy w WolinieminorChannel Partner/ Reseller/ DistributorCooperative bank and shareholder of Fundusz Pomerania. Distributes guarantee products in the Wolin area.
• Partner Banks (multiple cooperative banks)coreChannel Partner/ Reseller/ DistributorFundusz Pomerania cooperates with a network of cooperative banks including: Zachodniopomorski Bank Spółdzielczy w Choszcznie, GBS Barlinek, Bank Spółdzielczy in Białogard, Wolin, Gryfice, Chojno, Darłowo, Goleniów, Świdwin, Kalisz Pomorski, Sławno, Połczyn-Zdrój, and Bank Ziemi Szczecińskiej. These banks receive and forward guarantee applications from entrepreneurs.
• Północna Izba Gospodarcza w SzczecinieminorStrategic or Co-development PartnerPartner in the EU-funded 'Moja firma – mój sukces' project (POWER 2014-2020, Action 1.2). The Northern Chamber of Commerce assists with recruitment and implementation of the youth entrepreneurship support program.
• Agencja Rozwoju Przedsiębiorczości (ARP)minorStrategic or Co-development PartnerFundusz Pomerania provides suretyships for entrepreneurs applying for loans from ARP (Agencja Rozwoju Przedsiębiorczości), enabling access to additional financing for SMEs.

Scale indicators11 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Korporacja Ubezpieczeń Kredytów Eksportowych (KUKE): Polish export credit insurance corporation offering surety and guarantee products. Comparable to Fundusz Pomerania in the surety/guarantee underwriting function, but focused on export-related credit risk rather than regional SME financing.
• Polska Agencja Rozwoju Przedsiębiorczości (PARP): Polish Agency for Enterprise Development, a national government institution that distributes EU-backed SME financing instruments (grants, credit, guarantees). Overlaps with Fundusz Pomerania in channeling EU development finance to Polish SMEs, but at national scale and with a broader program mandate.
• European Investment Fund (EIF): Pan-European guarantee and SME financing facility that backs national/regional guarantee funds across the EU. Conceptually analogous to Fundusz Pomerania but operating at the EU level, providing counter-guarantees and capacity-building to Polish guarantee institutions.

Direct peers

• Zachodniopomorska Agencja Rozwoju Regionalnego (ZARR): Regional development agency for Zachodniopomorskie and Fundusz Pomerania's primary re-guarantee partner (ZFR funds flow through ZARR). Both serve the same regional SME ecosystem with complementary financial instruments.
• Bank Gospodarstwa Krajowego (BGK): Poland's national development bank, simultaneously a shareholder/partner of Fundusz Pomerania and a direct issuer of de minimis guarantees (e.g., PLD Plus program). Both serve SMEs with guarantee instruments via partner banks, making BGK the closest functional and competitive analog.
• Agencja Rozwoju Przedsiębiorczości (ARP): Polish entrepreneurship development agency that works alongside Fundusz Pomerania — Fundusz issues suretyships for entrepreneurs applying for ARP loans. Both serve Polish SME financing needs with complementary instruments.

Others

• Polska Fundacja Przedsiębiorczości: National foundation supporting entrepreneurship in Poland and a shareholder of Fundusz Pomerania. Operates in adjacent SME development space and is a structural partner rather than a direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/funduszpomerania
• LinkedInlinkedin.com/company/fundusz-pomerania

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fundusz Pomerania