Financing Tederic Injection Molding Machines - Leasing, EU Grants 2025

Introduction

Purchasing a modern Tederic injection molding machine is an investment that can significantly increase your company's production efficiency and competitiveness. However, high upfront costs often pose a barrier. Fortunately, in 2025, Polish enterprises have access to a wide range of injection molding machine financing instruments – from traditional leasing, through EU grants, to innovative pay-per-use models.

In this guide, we present all available options for financing investments in injection molding machines. You will learn how to utilize FENG and BGK programs, what tax reliefs are available for robotization, and how to choose the optimal financing model for your business. The information is based on current data from 2024-2025 and prepared for CFOs, financial directors, and owners of manufacturing companies.

Financing Landscape for Injection Molding Machine Investments in Poland 2025

The Polish market currently offers five main categories of injection molding machine financing:

1. Operating and Finance Leasing

In 2024, the leasing industry in Poland financed machinery and equipment worth PLN 110.5 billion, with the industrial machinery sector accounting for 23.7%. This is the main CAPEX source for industry – fast, flexible, and without tying up equity capital.

2. Non-repayable Grants (FENG, RPO)

European Funds for a Modern Economy have a budget of PLN 36.6 billion for 2021-2027, with PLN 4.36 billion allocated to Green Industry and energy efficiency. More at funduszeeuropejskie.gov.pl.

3. Preferential Loans (BGK)

Bank Gospodarstwa Krajowego offers technology loans with repayment subsidies, especially under the National Recovery Plan. Details: bgk.pl.

4. Tax Reliefs

The robotization relief allows deducting an additional 50% of automation costs from the tax base (valid until the end of 2026). The Polish Investment Zone (PSI) offers CIT/PIT exemptions depending on location and investment outlays.

5. Pay-per-use Models

More and more suppliers, including TEDESolutions, offer payment models based on actual machine usage, minimizing investment risk and improving cash flow.

Leasing Injection Molding Machines – The Most Popular Financing Form

Leasing is the most popular way to finance injection molding machines in Poland. According to the Polish Leasing Association, in 2023, machines for plastics production and metal processing worth PLN 12.9 billion were financed through leasing.

Operating Leasing

Operating leasing is the ideal solution for companies seeking flexibility and tax benefits:

Advantages of operating leasing:

• Full installment value as tax-deductible expense – you can deduct 100% of installments from the tax base
• No impact on balance sheet – the machine is not a company asset, improving financial ratios
• Lower down payment – typically 10-20% of machine value
• Purchase option after completion – for a symbolic amount (usually 1% of value)
• Service packages in installment – possibility to include maintenance and repair costs

For whom? SMEs with limited equity capital, companies optimizing tax burden, enterprises planning cyclical modernization of machinery fleet.

Finance Leasing

Finance leasing resembles a loan secured by the machine. The client becomes the owner from the beginning and depreciates the machine's value:

Advantages of finance leasing:

• Ownership from the start – the machine is in the company's assets
• One-time VAT deduction – at purchase, not spread over installments
• Tax depreciation – ability to use depreciation relief
• Lower interest rate – typically lower than operating leasing

Typical leasing conditions for a Tederic injection molding machine:

• Down payment: 10-30%
• Period: 24-60 months
• Interest rate: WIBOR + margin 2-4%
• Possibility to finance peripherals (robots, dryers, chillers) in one contract

EU Grants and PARP Programs

EU grants can cover up to 50-70% of investment costs in modern injection molding machines, especially if they are energy-efficient or support production automation.

European Funds for a Modern Economy (FENG)

FENG is the main grant program for enterprises for 2021-2027. Managed by PARP (Polish Agency for Enterprise Development), it offers support for:

• Green Industry – investments in energy-efficient machines (Tederic electric injection molding machines qualify)
• Digitization and automation – robotization of injection molding nests, integration with MES/ERP systems
• Industrial transformation – modernization of machinery parks for greater efficiency

Support level: 30-70% of eligible costs, depending on enterprise size and location:

• Micro and small enterprises: up to 70%
• Medium enterprises: up to 60%
• Large enterprises: up to 50%
• Regions with lower GDP (Eastern Poland, Silesia): higher support

Eligible costs:

• Purchase of new injection molding machines (used ones do not qualify)
• Robots and automation for injection molding nests
• Peripherals (dryers, chillers, material feeding systems)
• Production management software
• Accompanying installations (power supply, air conditioning)
• Energy audits and project documentation

Regional Programs (RPO)

Each of the 16 voivodeships has its own Regional Operational Program with dedicated competitions for industry. They often have shorter application processing times than nationwide programs.

How to apply:

1. Check the call schedule at funduszeeuropejskie.gov.pl
2. Prepare a business plan with TCO calculation and ROI analysis
3. Conduct an energy audit (if required)
4. Submit application electronically through the Application Generator
5. Expected processing time: 2-4 months

Tax Reliefs and Polish Investment Zone

Robotization Relief

The robotization relief allows deducting an additional 50% of robotization costs from the CIT or PIT tax base. Valid until the end of 2026 without extension plans.

What can be deducted:

• Purchase of new industrial robots (pick-and-place, six-axis)
• Peripheral machines cooperating with robots
• Software for robot control and programming
• Safety equipment (light curtains, sensors, barriers)

Example: Purchase of a robot for an injection molding machine for PLN 200,000:

• Standard tax-deductible expense: PLN 200,000
• Robotization relief (additional 50%): + PLN 100,000
• Total deductible cost: PLN 300,000
• Tax savings at 19% CIT: PLN 57,000

More information: podatki.gov.pl

Polish Investment Zone (PSI)

PSI offers CIT/PIT exemptions for new investments exceeding certain thresholds for outlays and employment. The support level depends on location (regional aid map):

• Highest support regions (e.g., Lublin, Podkarpacie): up to 50% of investment costs
• Medium regions (e.g., Silesia, Małopolska): up to 35%
• Lowest support regions (e.g., Warsaw, Krakow): up to 10-15%

PSI can be combined with leasing and FENG grants, creating a comprehensive financing path.

Comparison of Financing Models: CAPEX vs Leasing vs Pay-per-use

Comparison table for a Tederic injection molding machine worth PLN 500,000 (5-year period):

CAPEX (own purchase):

• Initial cost: PLN 500,000
• Cash flow impact: High burden in year 0
• Tax benefits: Depreciation 20% annually
• Ownership: Immediate
• Flexibility: Low – difficult to sell after 2-3 years
• Total cost (5 years): PLN 500,000 + service costs

Operating leasing:

• Initial cost: PLN 50,000 - 100,000 (down payment 10-20%)
• Cash flow impact: Even – monthly installments ~PLN 9,500
• Tax benefits: 100% of installment as expense
• Ownership: After buyout (1% of value)
• Flexibility: High – replacement option after completion
• Total cost (5 years): ~PLN 570,000 (incl. interest and fees)

Pay-per-use:

• Initial cost: PLN 0
• Cash flow impact: Minimal – fee for actual usage
• Tax benefits: 100% as variable expense
• Ownership: None (long-term rental)
• Flexibility: Maximum – scaling up/down
• Total cost (5 years): Depends on usage, ~PLN 600,000 - 700,000

Recommendation: SMEs with limited capital → operating leasing. Companies with access to grants → CAPEX + FENG. Start-ups and seasonal production → pay-per-use.

How to Prepare a Grant or Loan Application

Required documents (FENG/BGK standard):

• Business plan – investment description, market analysis, production plan
• Financial analysis – TCO calculation, NPV, IRR, payback period
• Energy audit – for investments > PLN 1 million or declaring energy savings
• Price quotes – minimum 3 comparative quotes (or single source justification)
• Financial statements – last 2-3 years + current year
• Registration documents – KRS, NIP, REGON, articles of association
• Implementation schedule – milestones, payment deadlines

Typical application timeline:

• Month 0-1: Documentation preparation, audits, quotes
• Month 2: Electronic application submission
• Month 3-4: Formal and substantive evaluation
• Month 5-6: Signing funding agreement
• Month 7-18: Investment implementation (purchase, installation, commissioning)
• Month 19-24: Final settlement, fund disbursement

Tip: TEDESolutions offers support in preparing business plans and technical documentation for funding applications for purchasing Tederic injection molding machines.

Case Study: SME Finances Tederic DE880 Line

Client profile: Medium-sized enterprise (150 employees), automotive industry, Silesian Voivodeship.

Investment goal: Purchase of Tederic DE880 electric injection molding machine (clamping force 880 kN) with six-axis robot and vision system for OEM component production.

Investment value: PLN 1,200,000 (injection molding machine PLN 850,000 + robot PLN 250,000 + vision system PLN 100,000)

Selected financing path (hybrid model):

• FENG grant (Green Industry): 60% x PLN 850,000 = PLN 510,000
• Operating leasing (robot and system): PLN 350,000, installment ~PLN 6,500/month (60 months)
• Robotization relief: 50% x PLN 250,000 = PLN 125,000 additional cost → CIT savings ~PLN 24,000
• Own contribution: PLN 340,000 (injection molding machine after grant)

Financial benefits:

• Grant covered 42.5% of total investment
• Cash flow burdened only with leasing installments (~PLN 6,500/month)
• Tax savings from relief: PLN 24,000 in first year
• Total effective investment cost: PLN 666,000 (55.5% of nominal value)

ROI: With a 35% productivity increase and 40% energy consumption reduction, the payback period was 28 months.

Most Common Mistakes in Investment Financing

1. Lack of TCO (Total Cost of Ownership) Analysis

Entrepreneurs often compare only purchase price, omitting costs of energy, service, downtime, and training. A machine cheaper by PLN 100,000 may cost PLN 200,000 more over 5 years of operation.

2. Not Using Available Grants

Over 60% of SMEs do not apply for grants due to perceived process complexity. Meanwhile, cooperation with an advisor or supplier (like TEDESolutions) significantly increases success chances.

3. Wrong Choice of Financing Model

Leasing is not always optimal. Companies with large equity capital and access to grants often lose by not purchasing the machine directly.

4. Incomplete Application Documentation

Lack of energy audit, imprecise business plan, or incorrect PKD codes are main reasons for grant application rejections.

5. Ignoring Call Deadlines

FENG and RPO calls have specific time windows. Missing a call means delaying the investment by 6-12 months.

Tip: Plan the financing process at least 6 months before the planned machine purchase.

Summary

Financing Tederic injection molding machines in 2025 offers enterprises many options tailored to different needs and capabilities. From flexible leasing, through non-repayable FENG grants, to tax reliefs for robotization – every company can find the optimal solution for its financial situation.

Key takeaways from the guide:

• Leasing dominates – PLN 110.5 billion in 2024, the most popular form of machinery financing
• FENG grants can cover up to 70% of investment costs in energy-efficient electric injection molding machines
• Robotization relief (50%) valid only until end of 2026 – worth utilizing now
• Hybrid model most effective – combining grants + leasing + tax reliefs reduces effective cost by 40-50%
• TCO more important than purchase price – Tederic electric injection molding machines pay back through energy savings
• Planning 6 months in advance – key to utilizing all available programs
• Supplier support matters – documentation assistance increases grant chances

Choosing the optimal injection molding machine financing model requires analyzing not only costs but also company development strategy, capital availability, and production plans. A properly selected financing model can halve the investment payback period and significantly improve the enterprise's financial liquidity.

If you are planning to purchase a Tederic injection molding machine and looking for an optimal financial solution, contact TEDESolutions experts. As an authorized Tederic partner, we offer comprehensive financial consulting, support in preparing grant applications, leasing packages with service, and a free 30-minute consultation with our financial expert.

See also our articles on injection molding machines, brand comparison, and sustainable production.