Standard commission and processing fees are in the range of 1.5-2% of the loan guarantee amount (European Commission, 2006). National Loan Guarantee Funds report, www.ksfp.org.pl/upload/KSFP/RapoTt%20KSFP.pdf (in Polish). As a point of comparison, in 2007-08 the average number of jobs created per guaranteed SME loan in Canada was 2.3 (Industry Canada, 2008). Polish banks are insisting that guarantees be provided for 75% of the loan instead of the assumed 50% (Rzeczpospolita, 2009).