Investment loan is one of the types of credit, which allows entrepreneurs to finance projects whose aim is to increase the value of assets.

Investment loan can be used to finance the construction, expansion, improvement in capacity or commercial services, reconstruction or modernization of economic activity (eg, purchase of assets such as cars, machines, equipment and the purchase, construction, expansion and modernization of facilities associated with the economic activity), as well as the purchase of securities, patents, licenses, know-how, or even acquisition of other companies (purchase of shares). It gives entrepreneurs the opportunity to raise their competitive position without the need for investing at one time a large amounts of own funds.

The investment credit is granted mainly in the Polish currency, but very often banks offer loans to customers in foreign currencies such as Euro, U.S. dollar or Swiss franc.

The amount of the investment loan depends on many factors, direct and indirect, which includes among other things:

• rate of return on investment,
• borrower credit worthiness, 
• method of assessing credit worthiness - individual, depending on the bank, 
• possibility of negotiating terms of loan agreement - individual, depending on the bank and entrepreneur’s credibility, 
• different conditions of security for the loan - individual, depending on the bank, 
• overall situation of the financial markets, 
• exchange rate for loans in foreign currencies.

Due to the need for thorough verification of rate of return on investment and financial situation of the applicant, loan applications are very detailed, precise and complex. Professional preparation of a business plan may be particularly important for a positive decision to grant the investment loan.

Take advantage of investment opportunities provided by the investment loan. Our specialists for your company:

• will examine the possibility of obtaining an investment loan,
• prepare analysis on the most advantageous and safest solution,
• prepare the necessary documentation,
• negotiate with banks the most favorable loan.

If you are interested in obtaining an investment loan for your business, please contact us.

Grants from EU funds are the most popular form of support for entrepreneurship development.

The source of grant funding is the European Regional Development Fund. Each of the regions in Poland has prepared a so-called Regional Operational Programme, taking into account its needs, and also its strengths and weaknesses. In each of the programs were included priorities that aim to support the development of micro, small and medium enterprises.

EU grants are intended primarily to finance investments related to the development of their business (production and / or service). Therefore they can be used to purchase new manufacturing equipment, new technologies, to build a production area, to cooperate with R&D and implementation of research results to the economy, as well as participation in trade fairs and economic missions. Investments associated with the use of grants should contribute to job creation, implementation of new products or services and strengthen the capacity of firms by increasing their innovation and competitiveness. Using the grant (eg, through technology credit) one can realize even very specific and individual needs of the company by designing and implementing their own production lines.

Depending on the region and the fund grant may reach:

• For micro-enterprises around 50-60%,
• For small businesses approximately 40-50% ,
• For medium-sized businesses around 30-40% ,
• Co-financing under the technological loan approximately 40-70%.

That is why our specialists for your company:

• Will examine funding opportunities for your company,
• Will choose the best option,
• Prepare the appropriate documentation in order to obtain grants,
• Assist in the implementation of investment,
• Will carry out duties related with payments in the project.

 

If you are interested in obtaining a grant for your business please contact us.

We can often meet the situation where there is a shortage of specialized emploeeys in the municipality structures. Local government employees, because of lack of competence, hesitate to take their own, courageous decision, which could bring measurable benefits for the municipality. These omissions make it difficult to change the way that the municipality is managed into the more modern and economical way.

ENIS - Energy, Science and Environment bring you independent professionals, immune to political pressure. We can create ideas, implement and monitor appropriate projects. Our proposals not only assist in the implementation of tasks of municipalities, but also bring measurable benefits – such as reducing expences or increasing revenues.

Within our offer we suggest you to realize the following tasks:

• energy management in the municipality - the implementation of inventory of the road lighting and municipal buildings, modernization and optimizing, monitoring, negotiation of prices of lighting services,
• assistance in changing/choosing energy supplier - preparing necessary documents, negotiate terms of the supply and prices of electricity,
• the implementation of the programme of building thermo-renovation - identifying needs, energy audit, possibiliies of financing, overseeing the implementation, monitoring,
• grants for investments - preparing conceptions, business plan, preparing the proposal, overseeing the implementation of the project, the grants settlement,
• feasibility studies,
• creation of mechanisms and the conceptions of funding - such as third-party financing, finding investors,
• implementation of renewable energy sources - such as energy production from biomass, the use of biogas from the landfill or sewage treatment plants, production of wind energy - the preparation, financing and supervision of projects,
• taking the role of an alternative investor – realization and financing projects.

We recognize the needs of the municipalities, create a timetable of the tasks and we help achieve them. With us local government can reasonably manage and spend public funds.

If you are interested in improving the functioning of the municipality and its image, please contact us.

Responsible energy and environmental policy is one of the basic conditions for development of farming. Both need to improve the competitiveness of Polish farms and Polish membership in the European Union encourages farmers to undertake investments aimed at enhancing the efficiency of production and meeting the growing requirements of environmental legislation.

Farmers who do not take the modernization of their holdings significantly decrease their chances for maintenance of farm profitability. On the other hand farmers who would not fulfill increasing environmental requirements, could entail financial penalties.

A specially intensive actions require in particular issues related to the technical condition and the standard of farm buildings, the degree of mechanization and replacing existing farm equipment into the equipment related to the environment. Innovative investments in agricultural holdings and responsible energy and environmental policy are also a large field of finding savings. Modernization efforts and the fulfillment of environmental requirements in the future will contribute to opportunities for EU direct payments to farmers, as well as to further activities for rural development. ENIS implementing energy efficiency solutions in either small or large farm optimize costs, saves a real money of his clients while better protects the environment. Such an approach is not only consistent with the energy policy of the European Union, but indeed required and supported with the different Structural Funds.

As a part of our business, we offer services helping to conduct economical and environmentally friendly energy:

• obtaining investment grants form European and national funds (np. For modernization of technical infrastructure, purchase of equipments and devices) - preparing concepts, business plans, preparing the proposal, overseeing the implementation of the project, settlement of grants,
• implementation of renewable energy sources - such as energy production from biomass, the use of biogas, wind energy production - the preparation, financing and supervision of projects,
• taking the role of an alternative investor – realization and financing of projects. 

With us your farm becomes more profitable, better manages its resources and reduces operating and production costs. We advise how to spend less and earn more. ENIS - Energy, Science and Environment is a signpost for the future and a guarantee of the efficient and modern management.

If you are interested in our offer, please contact us.

Enis - Energy and Environment specializes in finding various methods of saving and encourages the use modern technology. The scope of our services and expertise is in particular:

• energy efficient lighting,
• the use of renewable energy - solar and wind,
• solar panels,
• hybrid heating,
• biomass heating,
• heat pumps, recuperators.

The common sense is the most important thing, therefore, we encourage you to undertake only those activities that produce measurable economical impact and not just apparent savings.

The cheapest way to reduce the electricity bill is the use of energy-efficient lighting. Instead of simple bulbs you can use compact fluorescent light bulbs (CFL) what is energy efficient light bulbs. Instead of halogens illuminating the area around the buildings you can use discharge lamps, for example, meta-haloid or sodium discharge lamps. Such applications of energy-efficient lighting will reduce energy bills by up to 75%. In addition, the durability of fluorescent or discharge lamps, is much longer than ordinary light bulbs.

Changing the energy supplier can also reduce our bills. However, at present, the price differences between vendors are very small. This kind of small savings per year for a household is not cost-effective according to the difficult procedure of changing the seller.

The reduction bills for the heat is often connected with additional investments. Changing energy carries for example from gas into wood can bring significant savings on the cost of heating the house, nevertheless, it is necessary to bear additional expenses related to the adaptation of existing installations in order to use new, clean fuel.

In other cases, the reimbursement of investments connected with renewable energy in households is very long. That's why it is worth to consider all the options while planning construction of the house and decide on low energy investments.

To wisely manage energy in households, we offer you the following:

1. Advice on energy-saving solutions.
2. Designing installations aimed at rational energy management.
3. Supervision of the correct realization.

The European Union does not provide any grants for the investments connected with the use of renewable energies for individual customers. In some cases, farmers are an exception (for example, they may receive subsidies for energy crops).

If you are interested in our offer, please contact us.