agencja rozwoju regionalnego agroreg s.a. w nowej rudzie

What agencja rozwoju regionalnego agroreg s.a. w nowej rudzie does

Agencja Rozwoju Regionalnego AGROREG S.A. w Nowej Rudzie is a Polish regional development agency (Spółka Akcyjna) founded in 1994 and registered in Nowa Ruda, Lower Silesia. The company operates as an Instytucja Otoczenia Biznesu (IOB) with 30+ years of experience administering EU and Polish national development programs across three voivodeships: Dolnośląskie, Wielkopolskie, and Lubuskie. It is privately held with no listed parent or institutional investor identified.

AGROREG's core business is the origination and management of preferential SME loan products — including Pożyczka Rozwojowa IV (Lower Silesia, up to 2,000,000 PLN at 1.5%–3%), Pożyczka na Rozwój MŚP (Lubuskie, up to 2,000,000 PLN at 1.5% fixed), Pożyczka Prorozwojowa III (Wielkopolskie, up to 800,000 PLN at 2.90%–5.30%), Dolnośląska Pożyczka Obrotowa (up to 600,000 PLN working capital), and Pożyczka Powodziowa (flood relief, up to 5,000,000 PLN at 0% with up to 90% forgiveness). Loan capital is sourced from EU/national fund principals — Bank Gospodarstwa Krajowego (BGK), Dolnośląski Fundusz Rozwoju, Wielkopolski Fundusz Rozwoju — and channeled via consortium arrangements with peer regional agencies (ARLEG S.A., KARR S.A., DAWG) and the agency's own offices. The company does not operate a proprietary technology platform; customer-facing tools are limited to a website, application portal, and a basic loan calculator.

Revenue is generated from three streams: net interest spread and fees on the loan book, rental income from a 2,297 m² commercial property portfolio at ul. Armii Krajowej 15 (22 active leases, partially being divested in 2026), and management fees for administering EU-funded programs such as the 23,727,000 PLN 'Nowoczesne Kadry Dolnego Śląska' workforce training project. Ancillary lines include a 17,775,107.84 PLN post-mining revitalization project to develop a Business Park and Entrepreneurship Incubator at ul. Szybowa, advisory and consulting services, and adult training co-financing of up to 10,000 PLN per learner. The go-to-market motion is relationship-led and consortium-based, with applications accepted in person, by post, or electronically via ePUAP.

Name

agencja rozwoju regionalnego agroreg s.a. w nowej rudzie

Legal name

Agencja Rozwoju Regionalnego AGROREG S.A. w Nowej Rudzie

Website

https://agroreg.com.pl

Company type

Private

Founded year

1994

Operating status

Operating

Short description

Agencja Rozwoju Regionalnego AGROREG S.A. is a Polish regional development agency founded in 1994 that administers EU and national-funded preferential loan products, training programs, and commercial real estate services for SMEs across the Dolnośląskie, Wielkopolskie, and Lubuskie voivodeships.

Ownership category

akta.pro rank

Product category

Regional Development Lending

NAICS

Credit Intermediation and Related Activities (522), Professional, Scientific, and Technical Services (54)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industry

SME Loan Servicing & Collections (FSAKAGAK)

Keywords

• SME lending services
• Regional development financing
• EU fund administration
• Business advisory services
• Commercial property rental

Headquarters

HQ city

Nowa Ruda

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest and Fees: ARR AGROREG generates revenue through interest on loans provided to SMEs, with interest rates ranging from 0% (for flood relief loans with 90% forgiveness) to 5.30% depending on the product and borrower profile. Additional revenue comes from loan processing fees and commissions on various financial instruments.
2. Property Rental Income: The organization earns rental income from commercial properties (offices, production halls, warehouses) it owns, with 22 active rental agreements at the Armii Krajowej 15 location.
3. EU and Government Program Management: As an institutional part of the business environment (IOB), ARR AGROREG receives funding and management fees for administering EU and regional development programs across Dolnośląskie, Wielkopolskie, and Lubuskie voivodeships.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

ARR AGROREG is a Polish regional development agency providing subsidized loan products to small and medium enterprises across three voivodeships (Dolnośląskie, Wielkopolskie, and Lubuskie), with loan sizes ranging from 500,000 to 5,000,000 PLN. The agency also administers EU-funded training and advisory programs for SMEs and adult learners, and manages a commercial real estate portfolio (offices, production halls, warehouses) of 2,297 m² for rental and sale in Nowa Ruda.

Product overview

ARR AGROREG is a regional development agency offering a portfolio of financial products and services for SMEs across three voivodeships (Lower Silesia, Greater Poland, and Lubuskie). The core offering consists of loan products (Pożyczki) including revolving loans, development loans, flood relief loans, and SME growth loans ranging from 500,000 to 2,000,000 PLN. Supporting services include EU-funded training programs (Nowoczesne Kadry Dolnego Śląska), commercial real estate rental and sales, and a business incubator project. The company operates as an intermediary for regional development funds, providing preferential financing terms supported by European funds.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Loans from 0% interest with up to 90% forgiveness for eligible flood-affected businesses
• +2 more outcomes

Named customers2 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

Four partnerships are on record, tiered core and key.

• Karkonoska Agencja Rozwoju Regionalnego S.A. (KARR S.A.)coreStrategic or Co-development Partner · 7 May 2025Consortium partner in the flood relief loan program (Fundusz wsparcia przedsiębiorstw dotkniętych powodzią). Both agencies jointly implement support for businesses affected by September 2024 floods in Lower Silesia and Lubuskie.
• Dolnośląska Agencja Współpracy Gospodarczej Sp. z o.o.coreStrategic or Co-development Partner · 26 September 2024Part of consortium implementing Pożyczka Rozwojowa IV for Lower Silesian SMEs. Collaborates with ARR AGROREG as lead partner and ARLEG S.A. in managing EU-funded loan instruments.
• Agencja Rozwoju Regionalnego ARLEG S.A.coreStrategic or Co-development Partner · 26 September 2024Consortium partner in multiple financial instruments including Pożyczka Rozwojowa IV (Lower Silesia) and Pożyczka na Rozwój MŚP (Lubuskie). Provides regional coverage across target voivodeships.
• Regionalne Centrum Rozwoju i Edukacji Sp. z o.o.keyStrategic or Co-development Partner · 1 March 2024Project partner in the 'Nowoczesne kadry Dolnego Śląska' training project. Located at ul. Jana Kilińskiego 12B, 59-300 Lubin. Operates as key collaborator in EU-funded adult education initiatives for Wałbrzych subregion.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Polska Agencja Rozwoju Przedsiębiorczości (PARP): Poland's national SME development agency operating as a much larger peer in the ecosystem. Administers EU and national SME support programs with similar grant management, training, and financing functions that complement ARR AGROREG's regional operations.
• Agencja Rozwoju Przemysłu S.A. (ARP): Poland's national industrial development agency operating at a larger scale than ARR AGROREG. Provides SME and industrial financing, restructuring, and advisory services with similar funding intermediary functions but a national mandate and broader portfolio.
• Małopolska Agencja Rozwoju Regionalnego S.A. (MARR): A larger regional development agency in Małopolska voivodeship serving as a peer institution in the Polish regional development agency network. Operates with similar SME lending, training, and advisory mandates but in a different geographic region.
• Bank Gospodarstwa Krajowego (BGK): Poland's state development bank and the Fund Manager (Fundusz Powierniczy) for multiple EU-funded financial instruments that ARR AGROREG participates in. Operates at significantly larger scale as the upstream fund provider and consortium partner.

Direct peers

• Dolnośląski Fundusz Rozwoju Sp. z o.o. A regional development fund in Lower Silesia that serves as the contracting authority for the 15M PLN Dolnośląska Pożyczka Obrotowa program. Operates with similar regional SME financing mandate and EU funding administration as ARR AGROREG.
• Agencja Rozwoju Regionalnego ARLEG S.A. ARLEG S.A. is a regional development agency based in Legnica, Lower Silesia, operating as a consortium partner with ARR AGROREG on multiple EU-funded loan instruments including Pożyczka Rozwojowa IV and Pożyczka na Rozwój MŚP. Both agencies serve SME lending mandates across overlapping voivodeships.
• Wielkopolski Fundusz Rozwoju Sp. z o.o. A regional development fund in Wielkopolskie voivodeship that has entrusted ARR AGROREG with managing 8M PLN of Pożyczka Prorozwojowa III funds. Both institutions serve as SME financing intermediaries in western Poland with similar funding mechanisms.
• Karkonoska Agencja Rozwoju Regionalnego S.A. (KARR S.A.): KARR S.A. is a regional development agency in Jelenia Góra, Lower Silesia, serving as a consortium partner in the flood relief loan program. Both agencies jointly implement support for businesses affected by September 2024 floods, with similar SME lending and development mandates.
• Dolnośląska Agencja Współpracy Gospodarczej Sp. z o.o. A consortium partner in multiple EU-funded loan instruments including Pożyczka Rozwojowa IV, operating as a regional development agency in Lower Silesia with similar SME financing and development mandates as ARR AGROREG.

Emerging players

• Regionalne Centrum Rozwoju i Edukacji Sp. z o.o. A project partner in the 'Nowoczesne kadry Dolnego Śląska' training project, located in Lubin. Operates in adult education and workforce development with partial overlap to ARR AGROREG's training and advisory services in the Wałbrzych subregion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about agencja rozwoju regionalnego agroreg s.a. w nowej rudzie