Digitalisation of production processes and Dig.IT financing

The Dig.IT programme is a dedicated support instrument for the manufacturing sector, offering up to 850,000 PLN in non-repayable funding for digitalisation. The support takes the form of a 50% reimbursement of net costs and is aimed at mature enterprises planning to implement advanced IT technologies, process automation and raise the level of cybersecurity.

Who can take advantage of this opportunity?

The programme is precisely addressed to micro, small and medium-sized enterprises (SMEs) that want to replace traditional management methods with a modern, digital architecture. If your company has been operating for at least 5 years and operates in one of the areas below, Dig.IT is for you:

• Industrial processing: A broad range of production (Section C of PKD) – from metal products to the food and chemical industries.

• Production services: Entities providing specialised repairs, overhauls or maintenance of industrial machinery for third parties.

How much can your company gain?

Financing under Dig.IT is a real relief for the investment budget. The programme reimburses 50% of the net costs incurred, which allows you to carry out bold technological projects with lower financial risk.

• Grant value: You can apply for an amount from 150,000 PLN to 850,000 PLN.

• Revenue limit: The maximum support may amount to up to 30% of your company's average annual net revenue over the last 3 years.

• Stability: The programme rewards companies in good financial condition. Before the start we will jointly verify your profitability and debt ratios to guarantee that you pass the formal screening.

What exactly can you finance?

At Dig.IT we focus on systems that actually "work" for your profit. You can allocate the funds to:

• Automation and analytics (BI): Implementation of ERP/MES-class systems and real-time data analysis tools.

• Artificial intelligence (AI): Optimisation of production and decision-making processes using machine learning algorithms.

• Cybersecurity: Full protection of data and processes (audits before and after implementation are an eligible cost).

• Supplementary equipment: Up to 40% of the budget can be spent on necessary hardware (servers, computers) and employee training.

Schedule: When to start?

The programme rules are concrete and the window for submitting applications is short:

• June 2026: This is the deadline for submitting the application documentation.

• Preparation: Work is worth starting now with the mandatory Digital Maturity Test.

• Disbursement: The reimbursement is paid in a lump sum after the project is completed and settled.

Cooperation with Tesserakt

At Tesserakt we make sure that the funding acquisition process is transparent and safe. Our role is to help properly prepare the documentation and conduct the mandatory Digital Maturity Test.

Cooperation with us is not only support in obtaining funds – we can also help at the next stage, with the very implementation of modern technologies in your company. Thanks to this you gain a partner who understands both the formal requirements of the grant and the technical challenges of digital transformation. We help prepare a reliable digitalisation strategy that becomes the foundation for the real development of your production.

Debt financing and BGK loans for digitalisation

The modern digital transformation of an enterprise requires not only a reliable technological strategy, but above all stable and cheap financing. Bank Gospodarstwa Krajowego (BGK) offers debt instruments that, at current market rates, are the most cost-effective alternative to commercial investment loans. Thanks to funds from the KPO and the FENG programme, companies can finance advanced Industry 4.0 projects at interest rates close to 0%.

Who can apply for financing?

BGK programmes are dedicated to a broad group of recipients for whom traditional grants are insufficient or too limited by caps. If your company belongs to one of the categories below, debt instruments are for you:

• SME sector (Micro, Small and Medium-sized companies): Looking for cheap capital for robotization, ERP/MES-class systems and digitalisation of sales processes.

• Large Enterprises: Entities planning major investments above 5 million PLN, whose scale goes beyond standard non-repayable grants.

• Industrial and Service sector: Companies from the industrial processing and advanced production services (subcontracting) sections.

Capital barriers in the 4.0 transformation

Implementing AI-class systems, Big Data or full robotization of a production hall are capital-intensive investments that often exceed the limits available under classic grants. Enterprises face a dilemma:

• High cost of money: Commercial loans burden the project's profitability.

• Complexity of requirements: The need to prove the digital "advancement" of the investment.

• Liquidity: The need to finance 100% of net costs without committing large equity capital upfront.

Cooperation process with Tesserakt (Timeline)

Together with your team we go through the entire process – from concept to the launch of financing and technology:

1. Audit and needs analysis (T+0): We verify your company's technological readiness and select the optimal BGK instrument (KPO or FENG).
2. Architecture design (T+2 weeks): We create a reliable technological project (e.g. the scope of AI, Big Data or IT systems implementation) that fits the definition of advanced digital transformation.
3. Preparation of the Digitalisation Strategy (T+4 weeks): We develop the substantive justification of the investment – a key document required by BGK to assess the loan application.
4. Submission of the application and bank procedure: We support communication with BGK at the stage of the project's technical analysis.
5. Implementation and supervision: After the loan is launched we can help implement the designed IT systems, ensuring compliance with the assumptions of the digitalisation strategy.

BGK financial instruments

The BGK offer is tailored to different stages and scales of enterprise development:

1. Digitalisation loan (KPO) – Currently available

Dedicated to the most ambitious transformation projects.

• Amount: From 5 million PLN and up (no upper limit).
• Interest rate: Fixed, from 0% to 0.5% per year.
• Repayment period: Up to 10 years (SMEs) or 20 years (large companies).
• Deadline: Agreements concluded until August 2026.

2. Digital transformation loan (FENG) – Call from Q3 2026

Combines a low cost of financing with a bonus for achieving goals.

• Amount: From 2.5 million PLN to 15 million PLN.
• Interest rate: Approx. 0.5%.
• Bonus (Cancellation): The possibility of cancelling up to 15% of the capital when combining digital and environmental (CE) goals.

Effects and ROI

Using BGK instruments in the transformation process allows for:

• Minimization of financial costs: An interest rate of 0.5% is genuinely capital cheaper than inflation.
• Financing of 100% of net costs: The ability to carry out the project without committing the company's working capital.
• Long-term stability: A repayment period of up to 20 years allows the modernization costs to be spread gently over time.
• Faster return on investment (BEP): Thanks to bonuses and capital cancellations, the investment in technology pays off much faster.