Polish SMEs drive investment surge amid GDP growth

Small and medium-sized enterprises (SMEs) in Poland are showing increased demand for financing, with investment credit sales rising significantly. In 2025, the value of new credits for SMEs grew by 17.2 percent, while investment financing specifically saw a 34.4 percent increase.

SMEs represent 99.8 percent of all companies in Poland, with micro-enterprises making up the vast majority. This sector is increasingly seeking predictable costs and simplified banking services. Despite the growth, business stability remains a challenge, as only 68.4 percent of companies started in 2024 survived their first year.

PKO Bank Polski reports a resurgence in investment demand, driven by a new investment cycle and the influx of EU funds. The bank's president, Szymon Midera, noted that credit is becoming essential for economic development. This trend aligns with recent data showing Poland's GDP grew by 3.8 percent year-on-year in the second quarter, with investment activity acting as a primary driver of growth.