Zachodniopomorska Agencja Rozwoju Regionalnego S.A.

What Zachodniopomorska Agencja Rozwoju Regionalnego S.A. does

Zachodniopomorska Agencja Rozwoju Regionalnego S.A. (ZARR S.A.) is a regional development agency established in 1994 as a joint-stock company wholly owned by the Samorząd Województwa Zachodniopomorskiego (Self-government of West Pomeranian Voivodeship). Headquartered in Szczecin, Poland, the company operates as the statutory regional implementing body for European Union and regional development programmes targeting micro, small and medium enterprises (MŚP) in the West Pomeranian Voivodeship. Its sole shareholder is the regional government, and the company's shares are not publicly traded.

The company's offering is structured around three pillars. First, Usługi rozwojowe dla MŚP delivers EU co-financed development services for SMEs, providing up to 80% subsidy (capped at 10,000 PLN per participant and 200,000 PLN per company) under the Fundusze Europejskie dla Pomorza Zachodniego 2021-2027 programme, Action 6.6. Second, the Zachodniopomorski Fundusz Rozwoju is a regional development fund built on repayable instruments from the 2007-2013 and 2014-2020 regional operational programmes, offering a portfolio of preferential loan products (Pożyczka Hipoteczna, Pożyczka Regionalna, Pożyczka Uniwersalna II, Pożyczka Obrotowa Plus, Mała Pożyczka Rewitalizacyjno-Inwestycyjna, Duża Pożyczka Inwestycyjna), counter-guarantee products (Reporęczenie Uniwersalne 1.6, Reporęczenie Kontraktowe 1.7, Reporęczenie Uniwersalne II 1.8), and a loan line for financial intermediaries. Third, the company rents out owned commercial real estate at preferential rates to entrepreneurs in the region.

Revenue mechanics combine management fees on EU programme allocations, interest income on loan products, fees on guarantee products, and rental income on owned properties. Distribution relies on a network of intermediary financial partners (Pośrednicy Finansowi) selected through public procurement, including Szczeciński Fundusz Pożyczkowy, Polska Fundacja Przedsiębiorczości, POLFUND, Fundusz Pomerania, Lubelska Fundacja Rozwoju, and Koszalińska Agencja Rozwoju Regionalnego S.A. The customer base is exclusively West Pomeranian SMEs, and the technology footprint is limited to a proprietary online application generator (gw.zarr.com.pl / CreditOne), standard corporate website, and social media channels. The leadership team is led by Andrzej Przewoda, President of the Management Board.

Name

Zachodniopomorska Agencja Rozwoju Regionalnego S.A.

Legal name

Zachodniopomorska Agencja Rozwoju Regionalnego S.A.

Website

https://zarr.com.pl

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Zachodniopomorska Agencja Rozwoju Regionalnego S.A. (ZARR S.A.) is a government-owned regional development agency in Szczecin, Poland, delivering EU-subsidised development services and preferential loan and counter-guarantee products through the Zachodniopomorski Fundusz Rozwoju to SMEs in the West Pomeranian Voivodeship.

Ownership category

akta.pro rank

Product category

Regional Development Financing

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYBPAGABAM

Microfinance, Financial Inclusion & Inclusive Markets

Business & Public Services/Nonprofit, NGO & Social Services/International Development & Poverty Alleviation

Keywords

• Regional development agency
• SME financing
• EU development funds
• Business loan products
• Counter-guarantee services

Headquarters

HQ city

Szczecin

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Zachodniopomorski Fundusz Rozwoju ( repayable financial instruments): The agency operates a regional development fund (Zachodniopomorski Fundusz Rozwoju) built on repayable funds from regional operational programmes (2007-2013 and 2014-2020). It offers various loan and guarantee products (Pożyczka Hipoteczna, Pożyczka Regionalna, Pożyczka Obrotowa Plus, Reporęczenie Uniwersalne, etc.) targeting SMEs and entrepreneurs in the West Pomeranian region. The fund generates revenue through interest income and fees on its financial products.
2. Development services for SMEs (Usługi rozwojowe dla MŚP): The agency administers EU-funded development service projects for SMEs (Project FEPZ.06.06), providing up to 80% subsidies for training and development services. Revenue is derived from EU programme allocations and management fees under the Fundusze Europejskie dla Pomorza Zachodniego 2021-2027 programme.
3. Real estate rental: The agency holds and rents out commercial properties located in the West Pomeranian Voivodeship at preferential rates for entrepreneurs, generating rental income.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ZARR S.A. is a regional development agency that delivers subsidised development services (training and consulting co-financing up to 80% under EU programmes) and a suite of preferential repayable financial products — loans and counter-guarantees — channeled through intermediary financial partners to micro, small, and medium enterprises in the West Pomeranian Voivodeship. It also rents owned commercial real estate to entrepreneurs at preferential rates.

Product overview

Zachodniopomorska Agencja Rozwoju Regionalnego S.A. operates as a regional development agency providing a portfolio of financial and development services for SMEs in the West Pomeranian Voivodeship. The core offerings consist of: (1) Usługi rozwojowe dla MŚP — development services for SMEs providing up to 80% funding for training under the European Funds for Western Pomerania 2021-2027 program; and (2) Zachodniopomorski Fundusz Rozwoju — a comprehensive financial product suite comprising multiple loan variants (Pożyczka Hipoteczna, Pożyczka Regionalna, Pożyczka uniwersalna II, Pożyczka Obrotowa Plus, Mała Pożyczka Rewitalizacyjno-Inwestycyjna, Duża Pożyczka Inwestycyjna), loan lines for financial intermediaries, and counter-guarantee products (Reporęczenie Uniwersalne 1.6, Reporęczenie Kontraktowe 1.7, Reporęczenie Uniwersalne II 1.8). The company also offers real estate rental services. The organization functions as a government-backed development institution rather than a technology product company.

Differentiator

Problem solved

Functional benefit

Brands

• Zachodniopomorski Fundusz Rozwoju: Development fund providing preferential loans and financial products for enterprises in the West Pomeranian region, including Pożyczka Hipoteczna, Pożyczka Regionalna, Pożyczka uniwersalna II, Pożyczka Obrotowa Plus, Mała Pożyczka Rewitalizacyjno-Inwestycyjna, and reporęczenia (counter-guarantees)

Quantifiable outcome

• Up to 80% subsidy on development service costs, capped at 10,000 PLN per individual participant and 200,000 PLN per company under the FEPZ.06.06 programme

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Fundusz PomeraniacoreChannel Partner/ Reseller/ Distributor · 2 February 2026Fundusz Pomerania signed two Operational Agreements with ZARR S.A. on 28 January 2026 for the intermediation of the Reporęczenie Uniwersalne II financial product. Fundusz Pomerania is a key regional financial intermediary partner.
• POLFUNDcoreChannel Partner/ Reseller/ Distributor · 27 January 2026POLFUND signed an Operational Agreement (Umowa Operacyjna I Stopnia) with ZARR S.A. on 26 January 2026 to provide financial intermediation services for the Reporęczenie Uniwersalne II product under the Zachodniopomorski Fundusz Rozwoju.
• Konsorcjum (Szczeciński Fundusz Pożyczkowy, Stargardzka, and others)coreChannel Partner/ Reseller/ Distributor · 15 September 2025A consortium led by Szczeciński Fundusz Pożyczkowy, Stargardzka and other regional partners was selected via public procurement to implement the Pożyczka Uniwersalna II product. 15 million PLN was allocated through this consortium for on-lending to SMEs. The partnership follows a public tendering process under Polish public procurement law.
• Lubelska Fundacja RozwojuminorChannel Partner/ Reseller/ Distributor · 15 September 2025Lubelska Fundacja Rozwoju signed an agreement to implement the Pożyczka Hipoteczna product for entrepreneurs in the West Pomeranian region, acting as an intermediary financial institution for ZARR S.A.
• Polska Fundacja PrzedsiębiorczościcoreChannel Partner/ Reseller/ Distributor · 9 June 2025Polska Fundacja Przedsiębiorczości (Polish Entrepreneurship Foundation) signed two agreements in June 2025 to implement financial products including Pożyczka Hipoteczna and Reporęczenie Uniwersalne II on behalf of ZARR S.A. The foundation acts as an authorised intermediary for the Zachodniopomorski Fundusz Rozwoju.
• Koszalińska Agencja Rozwoju Regionalnego S.A.minorChannel Partner/ Reseller/ Distributor · 27 May 2025Koszalińska Agencja Rozwoju Regionalnego S.A. signed an Operational Agreement on 28 May 2025 to implement a new support programme for entrepreneurs, acting as an intermediary partner in the distribution of Zachodniopomorski Fundusz Rozwoju products.

Scale indicators2 records

Recent moves6 records

Regional players

• Agencja Rozwoju Mazowsza S.A. Polish regional development agency serving the Masovian Voivodeship with a comparable mandate combining EU-funded development services and repayable financial instruments for SMEs. Operates a similar product portfolio to ZARR within a different regional territory.
• Pomorska Agencja Rozwoju Regionalnego S.A. Polish regional development agency serving the Pomeranian Voivodeship with the same dual mandate of EU-funded development services and repayable SME financing instruments. Closely comparable business model and product portfolio, but operating within a different geographic territory.
• Dolnośląska Agencja Rozwoju Regionalnego S.A. Polish regional development agency serving the Lower Silesian Voivodeship with a comparable dual mandate of EU development services and SME lending/guarantees funded by regional operational programmes. Closely analogous business model and product suite to ZARR, operating in a different geographic territory.
• Warmińsko-Mazurska Agencja Rozwoju Regionalnego S.A. Polish regional development agency serving the Warmian-Masurian Voivodeship with a comparable SME support mandate funded by EU and regional operational programmes. Operates similar loan and development-service offerings to ZARR but in a different region.

Direct peers

• Polska Fundacja Przedsiębiorczości: National Polish entrepreneurship foundation that signed two agreements with ZARR S.A. in June 2025 to implement Pożyczka Hipoteczna and Reporęczenie Uniwersalne II. Operates directly overlapping SME loan and guarantee products with comparable target customers across Poland.
• Szczeciński Fundusz Pożyczkowy: Regional microloan fund in Szczecin that leads the consortium selected via public procurement in September 2025 to implement Pożyczka Uniwersalna II, with 15 million PLN allocated for on-lending to SMEs. Directly comparable SME lending focus operating in the same geographic territory.
• Fundusz Pomerania: Regional fund that signed two operational agreements with ZARR S.A. in January 2026 for intermediation of Reporęczenie Uniwersalne II. Operates comparable SME lending and counter-guarantee products with the same target customer segment in the West Pomeranian region.
• POLFUND: Polish financial fund that signed an Operational Agreement with ZARR S.A. in January 2026 for intermediation of Reporęczenie Uniwersalne II. Operates comparable SME guarantee and loan products with similar structure and target customers.
• Koszalińska Agencja Rozwoju Regionalnego S.A. Another regional development agency in the West Pomeranian Voivodeship with a comparable SME financing and development-services mandate. It also acts as one of ZARR's intermediary distribution partners under an Operational Agreement signed in May 2025, illustrating closely aligned business models operating within the same geography.
• Lubelska Fundacja Rozwoju: Polish development foundation that signed an agreement in September 2025 to implement Pożyczka Hipoteczna for entrepreneurs in the West Pomeranian region, acting as intermediary for ZARR S.A. Operates comparable SME loan products with similar financial structure and EU funding origin.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@zarrs.a.4019
• Facebookfacebook.com/wzp.zarr
• LinkedInlinkedin.com/company/zarrsa
• Instagraminstagram.com/zarr_sa

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 Zachodniopomorska Agencja Rozwoju Regionalnego S.A.