Up to 150 thousand PLN for renovation and rental. The cottage owners came looking for money
Up to 150 thousand PLN support for a summer house. There are grants, loans and EU funds at play.
More and more owners of summer houses are trying to turn them into a source of additional income. Properties that stood empty for most of the year are now being transformed into small agritourism farms or weekend rentals. However, the problem arises when money is needed for renovation, equipment or promotion of the facility. It turns out that you can benefit from public support, and in some cases the amounts even exceed PLN 150,000. zloty.
However, owners of such properties must remember that a summer house is not treated as an ordinary single-family house. The formal classification of the building in the land and building register is of key importance. If the property is listed as a recreational or summer facility, it may be excluded from some programs intended for residential buildings, including the Clean Air program and some tax reliefs.
Financing for a summer house from the employment office
Grants from District Labor Offices remain one of the most popular sources of support. This solution is chosen by people planning to start a business related to short-term rental or tourist services. The maximum amount of the subsidy depends on the average salary. According to data from the beginning of 2026, it may amount to up to PLN 54,466, although in practice offices most often award from 30 to 45 thousand. zloty.
To receive such support, you must have the status of an unemployed person, have not run a business for at least a year before submitting the application and have not previously used similar assistance from the Labor Fund. It is also necessary to maintain the business for at least 12 months.
Financing for a summer house from the EU and LGD
Even more funds can be obtained from European funds. The programs are addressed mainly to people living in small towns or having a more difficult situation on the labor market. In addition to one-off grants, training, business consulting and bridge support for current company expenses are also available.
The LEADER initiative implemented by Local Action Groups plays a special role. The program supports the development of entrepreneurship in rural areas and allows you to obtain up to 85 percent. investment costs. The maximum amount of support is usually up to PLN 150,000. zloty. Not only the profitability of the project is taken into account, but also the impact of the investment on the development of the region and the ecological nature of the project.
A loan from BGK instead of a subsidy
An alternative to non-repayable subsidies is the “First business – Start-up support” program implemented by Bank Gospodarstwa Krajowego. This is a preferential loan for people starting a business. The maximum amount of financing may exceed PLN 150,000. zloty.
The program provides more favorable conditions than standard commercial loans. Repayment can be spread over up to seven years, and the first year includes a grace period for capital repayment. Importantly, part of the liability may be written off. If the entrepreneur has been running a business for at least 12 months and repays the installments on time, it is possible to have up to half of the loan written off.
