Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o.

What Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o. does

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o. (MRFP) is a Polish regional loan fund established in 2004 and 100% owned by the Mazovia Regional Government (Samorząd Województwa Mazowieckiego). Operating from a single Warsaw headquarters with a staff of approximately eight, MRFP extends low-interest, EU-subsidized loans to micro, small, and medium enterprises (MŚP) operating or establishing themselves in the Mazovia Voivodeship. Since inception, the fund has disbursed over 1,200 loans totaling 219 million PLN across its loan portfolio, with active products including Pożyczka Hipoteczna (mortgage loan up to 2,500,000 PLN), Pożyczka Inwestycyjno-Obrotowa (investment-working capital loan), Pożyczka Obrotowa (working capital loan), and Pożyczka Miejska II (urban investment loan for local government units and SMEs). Archived instruments include Pożyczka Jeremie2 and Pożyczka Energetyczna.

The company's technology backbone is the CreditOne client zone platform (Strefa Klienta), which provides an online self-service portal for loan application, document submission, and portfolio management. Distribution is delivered through direct field sales via Doradcy Klienta (Client Advisors), the online portal, a dedicated phone hotline (721 343 343), entrepreneur training events, and digital channels including a blog, Facebook, LinkedIn, and newsletter. All loans are offered without commission or additional fees at fixed preferential rates (e.g., 7.62% on Jeremie2, from 8.22% on Hipoteczna) under de minimis state aid rules, with capital sourced primarily from EU structural funds channeled via an operational agreement with Bank Gospodarstwa Krajowego (BGK).

MRFP operates as a non-profit, revolving fund where all surplus income is reinvested into new loans rather than distributed to shareholders. In July 2024, the company publicly announced plans to merge with Agencja Rozwoju Mazowsza S.A. (ARM), with a merger plan published and under regulatory consideration—a strategic consolidation that would combine two Mazovia regional development institutions. Pricing and approval SLAs include a preliminary review within one day and formal decisions within thirty business days, with grace periods of up to twelve months and repayment periods extending to ten years on mortgage-backed loans.

Name

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o.

Legal name

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o.

Website

https://pozyczkimazowieckie.pl

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o. is a 100% government-owned regional loan fund, established in 2004, that provides low-interest EU-subsidized loans to micro, small, and medium enterprises across the Mazovia Voivodeship in Poland.

Ownership category

akta.pro rank

Product category

Regional SME Lending

NAICS

Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Miscellaneous Business Credit Institution (6159), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYBPADACAI

SME, Microfinance & Financial Inclusion Facilities

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

SECONDARYFSANAJAH

Social Impact & Inclusive Finance Funds

Financial & Insurance/Private Equity & Venture Capital/Impact / ESG & Sustainable Investment Funds

Keywords

• SME lending
• EU structural funds
• Regional development finance
• Municipal investment loans
• Preferential business loans

Headquarters

HQ city

Warsaw

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, Infrastructure

Revenue model

1. Loan Interest Income: The company generates revenue through interest charged on loans provided to SMEs. Loans are offered at preferential rates below market rates, as they are partially funded by EU structural funds. The company operates as a non-profit entity where all surplus revenue is reinvested into new loans rather than distributed to shareholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o. is a regional loan fund that disburses EU-subsidized, low-interest preferential loans to micro, small, and medium enterprises (MŚP) and to local government units in the Mazovia Voivodeship. Its current product set includes Pożyczka Hipoteczna (mortgage-backed real-estate loans up to 2.5 million PLN), Pożyczka Inwestycyjno-Obrotowa (investment and working-capital financing), Pożyczka Obrotowa (working-capital loans), and Pożyczka Miejska II (urban/municipal investment financing), all offered without commissions or additional fees at fixed interest rates.

Product overview

Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o. operates as a regional loan fund offering a portfolio of EU-funded loan products for micro, small, and medium enterprises (MŚP) in the Mazovia Voivodeship. The core offerings consist of Pożyczka Miejska II (urban investment loan), Pożyczka Inwestycyjno-Obrotowa (investment/working capital loan), Pożyczka Hipoteczna (mortgage loan), and Pożyczka Obrotowa (working capital/liquidity loan). These products are designed to support business development, real estate investments, and operational financing for entrepreneurs in the Mazovia region at preferential interest rates without commissions or additional fees. The fund also has archived products including Pożyczka Jeremie2 and Pożyczka Energetyczna.

Differentiator

Problem solved

Functional benefit

Products and services

• Pożyczka Hipoteczna (Mortgage Loan) A mortgage-backed preferential loan for micro, small, and medium enterprises (MŚP) operating in the Mazovia Voivodeship seeking financing for real estate investments. Maximum loan amount 2,500,000 PLN with a minimum 10% own contribution, repayment up to 10 years, interest rate from 8.22%, no commission.
• Pożyczka Inwestycyjno-Obrotowa (Investment-Working Capital Loan) A combined investment and working-capital loan for MŚP in Mazovia to increase investment capacity, finance machinery, equipment, fixed assets, and operational needs. Low interest rates, no commission, no additional fees, with grace periods up to 12 months and extended repayment schedules.
• Pożyczka Obrotowa (Working Capital Loan) A near-zero interest working-capital loan for SMEs facing liquidity or operational continuity challenges in the Mazovia Voivodeship. No commission or additional fees, grace period up to 6 months, repayment period up to 3 years.
• Pożyczka Miejska II (Urban Loan II) A preferential loan product from Mazowiecki Regionalny Fundusz Pożyczkowy designed to support financing of urban investments in the Mazovia Voivodeship, available to local government units (JST) and SMEs. Features favorable interest rates and no commissions.
• Pożyczka Jeremie2 (Archived Startup and Innovation Loan) An archived loan product for SMEs to introduce new or improved products to the market, develop e-commerce products and services, support ecological production processes, and finance working capital. Maximum loan amount 500,000 PLN with no own contribution required, repayment up to 5 years, fixed interest rate of 7.62%.
• Pożyczka Energetyczna (Energy Loan - archived) An archived loan product dedicated to energy sector projects and initiatives, supported under earlier EU funding perspectives.

Quantifiable outcome

• Over 1,200 loans granted totaling 219 million PLN since 2004
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Agencja Rozwoju Mazowsza S.A.coreStrategic or Co-development Partner · 1 July 2024MRFP announced a merger with Agencja Rozwoju Mazowsza S.A., combining forces to strengthen support for Mazovia region's economic development. This represents a significant strategic consolidation of regional development institutions. A merger plan has been published and is under regulatory consideration.
• YBP (Yorkshire Building Society or regional partner)minorStrategic or Co-development PartnerListed as a partner in the company logos section; nature of partnership not specified in available content.
• OSRFRminorStrategic or Co-development PartnerListed as a partner in the company logos section; nature of partnership not specified in available content.
• Krajowe Stowarzyszenie Wsparcia Przedsiębiorczości (KSWP)minorStrategic or Co-development PartnerCollaborating organization mentioned in training sessions, providing loan mechanisms for entrepreneurs in the Warsaw metropolitan area.
• Centrum Przedsiębiorczości SmolnaminorStrategic or Co-development PartnerTraining venue partner for entrepreneur education programs. MRFP conducts training sessions on EU funding and business financing at this Warsaw business center.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Gospodarstwa Krajowego (BGK): Polish state development bank that administers EU financial instruments and funds MRFP's loan products; a much larger incumbent operating nationwide across SME, infrastructure, and export finance.
• Polska Agencja Rozwoju Przedsiębiorczości (PARP): National SME development agency operating under EU and government programs; comparable mission of SME financing and development support, but at national scale with grants and concessional financing.
• European Investment Fund (EIF): EU-level financial intermediary that deploys EU structural-fund instruments into Polish SMEs through partner funds including MRFP — a much larger incumbent in the same SME credit-intermediation chain.

Regional players

• Bank Inicjatyw Społeczno-Ekonomicznych (BISE): Polish social-bank focused on micro and SME lending with a development-finance mission; comparable niche lending model but with geographic and product breadth different from MRFP.

Direct peers

• Krajowe Stowarzyszenie Wsparcia Przedsiębiorczości (KSWP): A national Polish SME support association explicitly named as a MRFP partner; operates loan mechanisms for entrepreneurs with a comparable mission.
• Towarzystwo Inwestycji Społeczno-Ekonomicznych (TISE): Polish social-economy investment company providing SME and social enterprise loans across Poland; comparable mission of SME financing outside traditional banking channels.
• Dolnośląski Regionalny Fundusz Pożyczkowy: Another Polish voivodeship-level EU-backed SME loan fund (Lower Silesia), structurally identical to MRFP and serving as a direct regional peer.
• Agencja Rozwoju Mazowsza S.A. MRFP's announced merger counterparty and the regional development agency for the Mazovia voivodeship; provides grants, advisory, and financing to SMEs in the same region.
• Małopolski Regionalny Fundusz Pożyczkowy: A regional government-owned loan fund in Poland's Małopolska voivodeship offering EU-backed preferential SME loans — structurally identical to MRFP but operating in a different region.

Emerging players

• Microfinance institution Mikrokasa: Polish microfinance provider focused on small business and consumer credit — overlapping customer base and product category with MRFP but operating commercially rather than as a public fund.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PozyczkiMazowieckie
• LinkedInlinkedin.com/company/mazowiecki-regionalny-fundusz-pozyczkowy-sp-z-o-o

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Mazowiecki Regionalny Fundusz Pożyczkowy Sp. z o.o.