Over 16 Billion PLN in Subsidies for Farmers and New Pools of Cheap Loans from ARMA

The Agency for Restructuring and Modernisation of Agriculture has reported progress in the processes of direct payments and area-based payments for 2025. By February 20, farmers received a total of PLN 16.31 billion, the lion's share of which is direct support. The Agency pays particular attention to farms affected by weather anomalies, including producers from the Żuławy region, who are on the priority list for payments. This is a key element in stabilising the financial sector after a difficult production season. Simultaneously, from February 20, 2026, the application process for preferential loans begins. ARMA has made available to cooperating banks the first tranche of PLN 362 million for the credit action and PLN 11.3 million for interest rate subsidies. Farmers can count on exceptionally favourable conditions, where the interest rate can be as low as 0.5% for young farmers or investments in farms affected by natural disasters. These funds can be used for land purchase, resumption of production, or modernisation of machinery. The Polish Agency for Restructuring and Modernisation of Agriculture was established in 1994 to support the modernisation of Polish agriculture even before the country's accession to European structures, which occurred a decade later.An interesting turn in state financial policy is the slow return to the concept of establishing a specialised Agricultural Bank. Agricultural communities and parliamentarians have begun work on the assumptions of a system that would make the countryside independent of commercial banking conditions. Despite these optimistic news, there are reported bottlenecks in settling funds from the NRP. MP Paulina Matysiak intervened regarding entrepreneurs who have been waiting for months for reimbursement of incurred investment costs, despite having submitted correct documentation. However, new opportunities are on the horizon – in September, a competition for agricultural processors will be launched with a pool exceeding PLN 869 million. Structure of Paid-Out Funds (in billion PLN): Direct payments: 13.65, Area support: 2.66 0.5% — is the lowest interest rate for preferential loans The EU subsidy system, i.e., the Common Agricultural Policy, has been in operation since 1962 and remains one of the most costly and extensive areas of EU activity to this day.Liberal media emphasise delays in NRP payments and parliamentary intervention as evidence of bureaucratic barriers in state institutions. | Pro-government and industry media focus on record payment amounts and new pools of cheap loans for young farmers.