Grants and financing

Industrial Doctorates:

Object :Co-financing of the employment contract of research personnel in training who participate in an industrial research or experimental development project carried out in the company, in which their doctoral thesis will be framed 

Terms : February 17, 2026

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Aid to the Industrial Value Chain 2025 Impulse Program

Object: It will encourage the Aid to the Industrial Value Chain 2025 Impulse Program

Entity: STATE COMPANY FOR INDUSTRIAL PROMOTION AND BUSINESS DEVELOPMENT (SEPIDES)
Addressed to: 
Commercial companies with their own legal personality that carry out industrial activity.
Subsidizable modalities and actions: 
The projects are structured in 3 lines:
- Line 1 (R&D):
•Industrial research projects.
•Experimental development projects.
•Innovation projects in organizational matters.
•Innovation projects in terms of processes.
- Line 2 (Innovation in Sustainability and Energy Efficiency):
•Innovative investments aimed at protecting the environment.
•Innovative investments in energy saving measures or renewable energies.
- Line 3 (R&D and digitalization, exclusively for SMEs):
•Projects related to the innovative and sustainable transformation of the production process.
•Projects related to the provision, in an innovative and sustainable way, of the services affected by the investment in the establishment.
Projects must be adapted to one of the two thematic priorities:
•Sustainable productive solutions.
•Digitalization solutions oriented towards sustainability.
Amount:
The total budget for this call is €140 million in the form of a subsidy. 
Deadline: Pending publication of the call.
Important: Non-competitive competition grants
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Public-private partnership 2026

Object:
To support experimental development projects in cooperation between companies and research organizations, with the aim of advancing in the incorporation of scientific-technical knowledge and results that allow the validation and pre-competitive development of new technologies, products and services, creating the appropriate context that stimulates the generation of a critical mass in interdisciplinary R&D&I for its application, transfer, search for solutions and generation of results both in the technological and innovation trajectories of companies and in the market.
Proposals must be framed within a single challenge from the following:
1. Health
2. Culture, Creativity and inclusive society
3. Security for society
4. Digitalization and telecommunications
5. Industry
6. Space and defense
7. Energy and mobility
8. Food, bioeconomy, natural resources, agriculture, climate and environment
Body: Ministry of Science, Innovation and Universities
Amount and conditions: 
• Public-private cooperation projects.
• The coordinator must be a company.
• Minimum number of participants: 2 entities, a company and a public or private research body.
• Minimum participation per entity: 10% of the total project budget.
• The sum of the business participation percentages must be, at least, 51% of the total budget presented, without any entity assuming more than 70% of this budget alone.
Deadline: From January 9 to January 30, 2026 (2 p.m.)
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EUROSTARS call

Object: finance market-oriented R&D projects in international cooperation, with the active participation of innovative SMEs.

An innovative SME is defined as a company with the ambition to collaborate in R&D and innovation with foreign partners to develop new products, processes and services for European and global markets. Innovative SMEs do not need to have a proven track record of R&D activities.

Within EUROSTARS there are no predetermined technological lines (bottom-up). All technologies have a place, as long as the project has a civil objective and is oriented towards the development of new products, processes or services (close to the market).
Funding organizations
This is a call in which funding is provided by each country.
In Spain, the funding body is the CDTI.
EUROSTARS Eligibility Requirements
• Participating countries
o Eurostars countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Ireland, Israel, Italy (MUR only), Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey and United Kingdom.
o Eurostars countries that are not an EU country or a country associated with Horizon Europe: Canada, Singapore, South Africa, South Korea.
• Minimum number of participants: 2 entities from participating countries, and at least one organization must come from an EU country or a country associated with Horizon Europe.
• Coordinating company: Innovative SME from a participating country.
• SMEs must have 50% or more of the project budget (without taking into account subcontracting).
• No partner or country can have more than 70% of the project budget.
Maximum amount 400.000 euros for Spanish participant
Terms: March 19, 2026

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ICO-Next Tech Fund

Object: It will encourage the development of high-impact digital projects and investment in growing companies through the strengthening of public financing instruments, the attraction of international funds and the empowerment of venture capital.

Body: MINECO-ICO

Amount and conditions:

The fund will invest mainly in funds and companies for the development of digital projects such as artificial intelligence, the Internet of Things, cloud computing or green algorithms.

Who is it for?

• Scale-ups: Growing companies, minimum ticket over 3 million euros.
• Start-ups: Investments of less than 1 million euros.

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PID - CDTI project grants

Object: Aid to companies (small, medium or large) with industrial research projects or experimental development for the creation and significant improvement of a production process, product or service. Theme: Free. Bottom-up approach.

Amount and conditions:

• Project duration: 1-3 years.
• Budget: Minimum € 175K.
• LOAN of up to 85% of the budget. (Interest: 1-year Euribor, grace period between 2 and 3 years, repayment: 10 years).
• SUBSIDY, between 20 and 33%.

Terms: Call open all year.

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Innovation Hotline - CDTI

Object: Support for companies with applied technological innovation projects, very close to the market, with medium / low technological risk and short periods of return on investment, which manage to improve competitiveness.

Amount and conditions:

• Fixed interest rate with two options depending on the chosen repayment period:
  • Amortization in 4 years and one grace period: Euribor in one year +0,75%.
  • Amortization in 6 years and one grace period: Euribor in one year +1,5%.
• Help up to 75% of the approved budget.
• 4% Non-refundable tranche (calculated on a maximum of 75% financial coverage).
• Minimum project budget: €175.000.

Terms: Call open all year.

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CIEN

Object: Funding of large industrial research projects developed in effective collaboration by business groups and aimed at carrying out planned research in strategic areas of the future and with potential international projection.

Amount and conditions:

Consortium made up of business groups with the following characteristics:

• Minimum 3 companies - Maximum 8 companies.
• Minimum 2 independent companies.
• Minimum 1 SME.
• Coordinator: must be a medium or large company.

Minimum participation of research organizations: 15% of the budget. At least 1 of the subcontracted research bodies must be publicly owned.

Deadline: Open all year.

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Enisa Young entrepreneurs

Object: Provide the necessary financial resources to newly formed SMEs (and startups) created by young people to address the investments needed by the business project in its initial phase. The business model must be innovative, new or with clear competitive advantages.

Amount and conditions: Loans of between € 25.000 and € 75.000, without guarantees.

• Innovative business projects driven by young people up to 40 years old.
• The interest rate will be applied in two installments: First installment: Euribor + 2% or euribor + 4,25%, according to the rating of the operation. Second tranche: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 8%, in accordance with the qualification (rating) of the operation.
• Opening commission: 0,5%.
• Maturity: maximum, 7 years.
• Lack of principal: maximum, 5 years.

Terms: Open all year.

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Enisa Entrepreneurs

Object: Provide the necessary financial resources to newly formed SMEs (and startups) created by entrepreneurs, with no age limit, to address the investments needed by the business project in its initial phase. The business model must be innovative, new or with clear competitive advantages.

Amount and conditions: Loans of between € 25.000 and € 300.000, without guarantees.

• No age limit.
• The interest rate will be applied in two installments: - First tranche: Euribor + 2% or Euribor + 4,25%, according to the rating of the operation. - Second tranche: variable interest depending on the financial profitability of your company, with a maximum limit set between 3% and 8%, according to the rating of the operation.
• Opening commission: 0,5%.
• Maturity: maximum, 7 years.
• Lack of principal: maximum, 5 years.

Terms: Open all year.

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Enisa Growth

Object: Finance business projects based on a viable and profitable business model when your company is in one of the following stages:

• Looking for a competitive improvement or a change of model of the productive systems.
• Expand production capacity, either by acquiring new technology, or by increasing the range of products / services or diversifying markets.
• Looking for capitalization or debt in regulated markets.
• Considering financing a business project through corporate operations.

Amount and conditions: Loans of between € 25.000 and € 1,5 million, without guarantees.

• First tranche: Euribor + 2% or Euribor + 4,25%, according to the rating of the operation. Second tranche: we apply a variable interest depending on the financial profitability of your company, with a limit maximum established between 3% and 8%, according to the rating of the operation.
• Opening commission: 0,5%.
• Maturity: maximum, 9 years.
• Lack of principal: maximum, 7 years.

Terms: Open all year.

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Cervera Transfer Projects

Object: To finance individual R&D projects developed by companies that collaborate with State-level Technology Centers in Cervera priority technologies.

Amount and conditions:

• Loan up to 90% of the investment.
• Subsidy of 24,75% of the loan.
• Amortizable in 10 or 15 years.
• 1-year Euribor interest rate.
• Advance of 35% of the aid with a limit of 250000 €, without the requirement of additional guarantees. 
• Execution period: Between 12 and 36 months.

Deadline: Open all year.

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Horizon Europe #HorizonEU

Presentation of the EU investment and innovation program (2021-2027)

Service of the Generalitat de Catalunya for advice on Horizon EU

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Horizon EU Calls:

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Partner Finder:  

Are you looking for partners for your project? 

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See also the section on funded R & D & I grants Next Generation of the European Union.

CDTI MULTILATERAL PROJECTS:

EUREKA: International network to improve the competitiveness of companies through the development of R&D projects with an orientation to international markets and based on innovative technologies:

• EUROSTARS: Non-refundable financial support program for innovative SMEs to develop international and collaborative R&D projects. 
• GLOBALSTARS: Program of financial support to innovative SMEs to develop R&D projects with specific countries that cannot qualify for EUROSTARS.
• EUREKA CLUSTERS: Grants to develop collaborative R&D projects on an international scale with a sectorial approach and managed from the business environment.

See calls 

IBEROEKA: Support for R & D projects in Latin America framed in the Iberoamerican Program of Science and Technology for Development (CyTED) initiative. The countries that are part of CyTED are: Argentina, Bolivia, Brazil, Colombia, Costa Rica, Cuba, Chile, Ecuador, El Salvador, Spain, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Portugal, Dominican Republic, Uruguay and Venezuela.

PRIMA: Initiative in research and innovation in the Mediterranean area has 19 countries and organizes calls funded by the PRIMA Foundation in different lines related to agriculture, food, water management in agricultural environments and sustainability .

CDTI BILATERAL PROJECTS:

International Technological Cooperation to develop R&D projects through agreements between the CDTI and counterpart agencies in the following countries: Algeria, Jordan, Morocco, Brazil, Korea, Cuba, Japan, China, Egypt, India, Malaysia, Mexico, Thailand and Russia .

UNILATERAL PROJECTS:

International Technological Cooperation to develop R&D projects with unilateral monitoring by CDTI with any of the following countries: Saudi Arabia, Algeria, Argentina, Australia, Bangladesh, Brazil, Cape Verde Islands, Cambodia, Qatar, Chile, China , Colombia, South Korea, Ivory Coast, Costa Rica, Cuba, UAE, USA, Ecuador, Egypt, Philippines, Ghana, Guatemala, India, Indonesia, Iran, Japan, Jordan, Kuwait, Sri Lanka, Laos, Lebanon, Malaysia , Morocco, Mauritania, Myanmar, Mexico, Peru, Dominican Republic, Oman, Russia, Senegal, Singapore, Thailand, Taiwan, Tunisia, Uruguay and Vietnam.

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ACCIO PARTNER SEARCH SERVICE:

ACCIÓ has a partner search and project structuring service with the support of ACCIO's field offices, the Enterprise EuropeNetwork (EEN) network and the new Opportunity Dissemination Platform: Catalonia Open Challenge.

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Public Procurement of Innovation is an administrative action to promote innovation, aimed at promoting the development of innovative solutions from demand, through the instrument of public procurement.

If you are an innovative company that can bring new solutions to the market and you want to apply for open public tenders, ask for more information! Action helps you find the tenders where you can have more opportunities, we will advise you in the presentation of the proposal and we will facilitate the search for partners to carry it out.

Tax rebates for opening an activity for unemployed people

Object: Aid for the promotion of economic activity in Mataró

Body: City of Mataró

Amount and conditions: Bonus of 60% of the fee for environmental licenses and prior communications, and for controls after the start of the activity, for people who are unemployed, or a bonus of 75% for people unemployed under the age of 30.

Who can ask for it? People who start an activity in Mataró and who are sole proprietors or constitute a private civil society or community of property.

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Allowances for Social Security contributions for the self-employed

Object: Encourage the creation of businesses with the bonus to Social Security contributions for the self-employed.

Amount and conditions:

During the period 2023-2025, people who cause initial discharge in Self-employed regime they can request the application of one reduced fee (flat rate) of 80 euros per month during the first 12 months of activity. The request will be made at the time of registration.

They can benefit from these conditions independent people who have not been registered in the two years immediately preceding the default date of the new registration, or three years, in the event of having previously enjoyed this deduction.

After these first twelve months, a reduced fee can also be applied during the following twelve months, to self-employed workers that anticipate that their annual net economic returns will be lower than the minimum annual interprofessional salary that corresponds to this period and thus request it from the service that will be enabled at Importass.

In addition, self-employed people with a disability equal to or greater than 33%, victim of gender violence or victim of terrorism, they can request the application, at the time of registration, of a reduced fee of 80 euros during the first 24 months.

Likewise, at the end of this period, if its expected net return is equal to or lower than Interprofessional Minimum Wage, they will be able to request, through the service that will be enabled in Importass, the application of this reduced fee during the following 36 months, for an amount of 160 euros.

All requests for extension must be accompanied by a relative statement that the net returns expected to be obtained will be less than the current professional minimum wage.

The reductions in the contributions provided for in the previous paragraphs are not applicable to relatives of self-employed workers by consanguinity or affinity up to the second degree inclusively and, where applicable, by adoption, who join the Special Regime of the Social Security of Self-Employed Workers or self-employed.

Self-employed workers who enjoy these benefits may at any time expressly renounce their application with effect from the first day of the month following the communication of the corresponding resignation. This request can also be made through the service that will be enabled in Importass.

Self-employed workers who on December 31, 2022 were beneficiaries of the old flat rate will continue to enjoy it, until the maximum period established expires, under the same conditions.

Deadline: The whole year.

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DISRUPTIVE INNOVATION PROJECT ACCELERATION PROGRAM

Object: Do you have innovative ideas that you don't know how to shape? Do you have a groundbreaking project and want to put it into practice? The Disruptive Innovation Project Acceleration service is a short, free and practical program that, in a few months, will transform the DNA of your company. If you want to generate new products and business models based on the integration of new technologies or foster a culture of experimentation in your team, the Disruptive Innovation Project Acceleration service is the springboard you need.

Organisation : ACTION 

Conditions: The first step of the service is an initial diagnosis to analyze your project and identify the potential for disruption in your company. From this point, you can continue to choose between two different itineraries, either to define or to implement your disruptive project.

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WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

Object: To support and promote, through funding, female digital entrepreneurship projects and reduce the gender gap in this area.

Body: Ministry of Economic Affairs and Digital Transformation, MINECONISA

Amount and conditions:

Loans are intended for emerging companies or those in the growth, consolidation or internationalization phase in which one or more women hold a relevant position of leadership or power within the company: in the shareholders, in the board of directors or who are part of the management team.

Conditions:

• Minimum loan amount: €25.000.
• Maximum loan amount: €1.500.000.
• Maturity: maximum 9 years.
• Lack of principal: maximum 7 years.

Requirements:

• Co-financing of the financial needs associated with the business project.
• The company's own funds will be equivalent, at least, to the amount of the loan.
• The company applying for an ENISA loan must show a balanced financial structure and professionalism in management.
• The company that receives an ENISA loan, for an amount greater than €300.000, must have its financial statements for the last financial year externally audited.

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Aid for the development of highly efficient and decarbonized manufacturing facilities

Object the construction and commissioning of highly efficient and decarbonized manufacturing facilities, as part of the PERTE industrial decarbonization, within the framework of the Recovery, Transformation and Resilience Plan – funded by the European Union – Next Generation EU.

Body: State Society for Industrial Promotion and Business Development

Deadline: December 18, 2025

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Industrial Entrepreneurship Support Program for SMEs

Object: Ppromote entrepreneurship, the growth of industrial establishments and improve their industrial competitiveness.

Body: Spanish Refining Company - General Secretariat of Industry and PYME

Amount and conditions:

For SMEs with the following Economic Activities:

• Industrial Companies: C10 to C32.
• Valuation Activities: E38.x
• Complementary activities to industrial production: N8292, H5210, C33 to c36.

Interest and commissions on loans granted with SGRs are subsidized.

• Loans of a minimum of 3 years and a maximum of 10 years.
• The amount of the guarantee granted by the SGR may not exceed € 1,5 million for growth operations and € 750k for entrepreneurial operations.
• The max bonus it will be €200k (minimum aid).

The grace period of the operations can be of maximum 3 years.

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New Productive Industrial Investment Support Fund (FAIIP)

Object: The Productive Industrial Investment Support Fund (FAIIP) is set up to provide returnable financial support to promote industrial investments that contribute to promoting industrial development, strengthening industrial competitiveness and maintaining the territory's industrial capacity.

Body: Ministry of Industry, Commerce and Tourism.

Amount and conditions:

a) Financing of up to 75% of the budget.

b) Collect investments made from July 1, 2020 and up to 2 years after formalization.

c) Minimum budget of €200.000

d) Type of financing:

1. Ordinary 10-year loans with up to 3 years grace period. Interest rate between 1,5% and 4,5%.
2. Participatory loans for 10 years with up to 3 years grace period. Fixed and variable interest rate linked to parameters of activity evolution.
3. Participation in the Capital.

e) A 10% guarantee must be presented in the case of loans.

Deadline: Applications may be submitted until funds are exhausted.

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Aid, in the form of refundable contributions and subsidies, for projects in the field of video games, year 2026

Object: financial aid in the form of "co-financing" that allows the company to have a priori financing for a cultural project.
The purpose of these grants is for projects in the field of video games that have a defined duration, that are economically identifiable and distinguishable within the company's activity, and that consist of developing, producing, editing, distributing, marketing or disseminating video games.
The grants included in these bases are divided into the following modalities:
a) Refundable contribution.
b) Subsidy.
Companies can apply to benefit only from modality a in the previous section or from both modalities for the same project, but they cannot apply to benefit or be beneficiaries only from modality b.
Regarding the refundable contribution modality, 100% of the amount must be refunded, which does not produce interest. Regarding the subsidy modality, the return must be made based on the income obtained from the operation of the subsidized project under base 10.2.b), without prejudice to the causes of revocation indicated in base 16 and general base 19.
Deadline:  The period for submitting applications is from December 15, 2025 to May 6, 2026, both inclusive.
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Microcredits for women entrepreneurs

  Microcredits granted by MicroBank with the support of the Chambers of Commerce, intended for women entrepreneurs and businesswomen to promote projects or businesses, without the need for guarantees.
 Body: Chamber of Commerce
 More information
 

Catering and Trade Financing (ICF AVALIS)

The recipients of the loans are self-employed people and micro-enterprises in the restaurant and small business sector whose activity has been affected as a result of the measures implemented due to the Covid-19. The loan line, initially endowed with 20 million euros, has the guarantee of 100% of Avalis de Catalunya.

The amount of the loans has been set at 15.000 euros plus the risk and mutuality expenses inherent in Avalis de Catalunya. Recipients will be able to apply for five-year credits with a grace period included in the term.

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 ICO MRR Line Companies and Entrepreneurs 

Loan conditions: 

• Up to 100% of the investment project can be financed. 
• Long repayment terms: From 1 to 20 years with the possibility of up to 3 years of principal grace period 
• Financing will be formalized in the form of a loan or leasing. 

For whom: 

• Private companies and freelancers in general. 
• Private or self-employed companies in the tourism sector registered within the CNAE Tourism Sector. 
• Spanish universities, public or private, for the PERTE New Language Economy (NEL) section. 

What is financed: 

• Investment projects and working capital needs associated with the project. 
• Projects by companies in the tourism sector that promote, among other things, the sustainability and modernization of the Spanish business fabric. 
• Digitalization and Artificial Intelligence projects from universities that contribute 100% to digital transformation. 

Where to apply for financing: 

It is processed directly at the offices of the financial institutions that collaborate with the ICO on this line. Applications are studied, approved and formalized by each bank or credit institution. 

Time limit :Loans may be formalized until August 31, 2026. 

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ICO Line Commercial credit

Object: To finance freelancers, entrepreneurs and companies that wish to obtain liquidity through the payment of invoices from their commercial activity within the national territory, or to cover the production costs of goods for sale in Spain. You can apply directly to credit institutions.

Amount and conditions:

• Type of operation: type of financing agreement agreed between the client and the credit institution.
• Interest rate: variable rate, plus the margin established by the credit institution.

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ICO International Line

Object: Financing for freelancers, entrepreneurs and types of companies domiciled in Spain with investment or liquidity needs outside the national territory. Also companies that want to export and need to apply for supplier credit, buyer and complementary financing. You can apply directly to credit institutions.

Amount and conditions:

• Modality: loan, leasing and line of credit for investment and liquidity. Loans for Medium and Long Term Exporters.
• Interest rate: fixed or variable rate (euro or USD dollar), plus the margin established by the credit institution according to the repayment period.
• Amortisation and grace period: Section I Investment and Liquidity: from 1 to 20 years with the possibility of up to 3 years of principal grace depending on the terms. Section II Exporters Medium and long term: from 2 to 12 years with the possibility of up to 3 years of principal deficiency depending on the terms.

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Microcredit Business Microbank

Object: Microbank and Caixabank financing line in collaboration with Tecnocampus. We help you with your business plan. It launches any proposal, from a self-employment project to a micro-enterprise.

Amount and conditions:

• Maximum amount: € 30.000
• Maximum funding: 100%
• Interest rate - Until 31/12/2023: 7,4 TIN % 
• Amortization period up to 6 years
• Lack of capital up to 6 months
• No real guarantee, except if it is a legal entity in which the endorsement of the partners will be required

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Microcredit Innovation Microbank

Object: Start-up, consolidation or expansion of micro-enterprises that have an innovative business project.

Amount and conditions: 

• Maximum amount: 50.000 euros (with a maximum of 80% of the investment)
• Beneficiary Natural persons with a self-employment project.
• Self-employed and micro-enterprises with less than 10 employees and with an annual turnover of less than 2.000.000 euros
• Monthly frequency
• Terms 84 months including 24 months optional grace period
• Interest rate - Until 31/12/2024: 7,40%
• Guarantees No real guarantee, no guarantee condition, except when the holder is a legal entity, which may require the guarantee of the partners.
• Requirement Provide a business plan and a favorable feasibility report from the collaborating entity (TecnoCampus is)

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ICF Eurocredit

Object: Loans for small and medium-sized companies that want to finance investments or working capital needs to grow, open new markets, make new developments or strengthen the company's activities. The operations approved through this line have preferential conditions thanks to the co-financing of the European Regional Development Fund (ERDF) of the European Union.

Amount and conditions:

Loans to short term:

• Import: from € 100.000 to € 2.000.000. Up to 70% of the project will be funded.
• Terms: from 2 to 5 years, with up to 1 year grace period included.
• Interest rates: 12-month Euribor plus a spread between 0,50% and 2,25%.
• Commissions: opening of 0,25% of the nominal of the loan.
• Guarantees: to be determined according to the project.

Loans to long term:

• Import: from € 150.000 to € 2.500.000. Up to 70% of the project will be funded.
• Terms: from 5 to 15 years, with up to 2 years grace period included.
• Interest rates: Euribor at 12 months plus a spread from 0,50%.
• Commissions: opening of 0,25% of the nominal of the loan.
• Guarantees: to be determined according to the project.

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ICF-Avalis loan for SMEs and the self-employed

Object: Loan with guarantee for Catalan SMEs and self-employed that make investments or for working capital needs. The ICF makes the loan and Guarantees of Catalonia grants the endorsement.

Amount and conditions:

• Import: Between €25.000 and €250.000.
• Deadline:
  • For circulating, up to 5 years, with the possibility of a grace period of up to 1 year included.
  • For investment, up to 10 years, with the possibility of a grace period of up to 2 years included.
• Interest rates:
  • 12-month EURIBOR plus a spread of 3,10% for amounts over € 100.000.
  • 12-month EURIBOR plus a maximum spread of 3,45% for amounts less than € 100.000.

By ICF, 12-month EURIBOR + 1,50% (monthly settlements); by Avalis, annual risk commission of between 1,60% and 1,95%.

• Commissions: without opening and study commission; for early cancellation, 0,25% per entity.
• Guarantees: endorsement ofGuarantees of Catalonia for 100% of the capital plus 90 days of ordinary interest.

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ICF - Social and cooperative economy

Object: Loans for companies in the social and cooperative economy to finance investments, working capital needs, advances in contracts with the public sector and capitalizations of the companies themselves.

Amount and conditions:

• Investment loans: Up to 80% of the investment, with a minimum of 30.000 euros and a maximum of 1 million euros.
• Working capital loans: Minimum 30.000 euros and maximum 100.000 euros.
• Loans for advances on contracts with the public sector: Minimum 30.000 euros and maximum 300.000 euros.
• Capitalization loans: Minimum 10.000 euros and maximum 60.000 euros per beneficiary of the loan.

The ICF studies the viability of the project from a financial point of view, then formalises and manages the loan. The operations approved through this line will have the assumption of 80% of the credit risk of the operation by the Department of Labour, Social Affairs and Families.

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ICF Tourism Loans

Object: Encourage the transformation and modernisation of the tourism sector. Line of loans to finance facilities modernisation projects that improve accessibility, energy efficiency, competitiveness and drive the digital transition in the sector.

Body: ICF

Amount and conditions: The amount of the loans ranges between € 60.000 and € 2 million, and it is possible to finance 100% of the project. As for the term, the loan can be applied for up to 10 years with the possibility of a grace period of up to 2 years.

• Interest rate: Approved operations will have an interest rate bonus of up to 2%.
• Recipient companies: Hotel establishments, including hotels and hostels or pensions, tourist apartments, campsites and rural tourism establishments operating in Catalonia that have been in operation for at least two years and are qualified, as well as energy service companies that act based on a energy services contract with one of the aforementioned companies.

Deadline: December 31, 2022.

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Microbank Innovation Loan

Object: The Innovation Loan allows the financing of business projects that have the support of a collaborating entity of MicroBank, such as the Tecnocampus.

Amount and conditions:

• Maximum amount: €50.000.
• Maximum financing: 100%.
• Fixed interest rate at 6,062% TAE (TIN 5,90%).
• Maximum period of the operation: 7 years.
• Lack of capital up to 24 months.
• No real guarantee.

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Young Entrepreneurs Line (ENISA)

Object: Aimed at recently established SMEs (and startups) created by young people to address the investments that the business project needs in the initial phase.

Amount and conditions:

• The company must have been incorporated, at most, during the 24 months prior to the application.
• The majority of the capital must be in the hands of natural persons of no more than 40 years of age.
• conditions: €25.000 Minimum amount €75.000 Maximum amount 7 years Maximum maturity     5 years Maximum grace period.
• The partners must contribute, via capital or through their own funds, at least 50% of the loan.

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Entrepreneurs Line (ENISA)

Object: Aimed at supporting the early life stages of SMEs promoted by entrepreneurs, without age limit.

Amount and conditions:

• Your company must have been incorporated, at most, during the 24 months prior to the application.
• Your equity must be at least equal to the loan amount.
• Co-financing of the financial needs associated with your business project.
• conditions: €25.000 Minimum amount €300.000 Maximum amount 7 years Maximum maturity 5 years deficiency maximum

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Growth Line (ENISA)

Object: Aimed at supporting the business projects of companies interested in expanding their business or achieving a competitive improvement.

Amount and conditions:

• Your equity must be at least equal to the loan amount.
• Co-financing of the financial needs associated with your business project.
• For loans approved for an amount greater than €300.000, you must have the financial statements of the last closed financial year externally audited.
• conditions: €25.000 Minimum amount €1.500.000 Maximum amount 9 years Maximum maturity     7 years deficiency maximum

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WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

Object: To support and promote, through funding, female digital entrepreneurship projects and reduce the gender gap in this area.

Body: Ministry of Economic Affairs and Digital Transformation, MINECO-ENISA.

Amount and conditions:

Loans are intended for emerging companies or those in the growth, consolidation or internationalization phase in which one or more women hold a relevant position of leadership or power within the company: in the shareholders, in the board of directors or who are part of the management team.

conditions:

• Minimum loan amount: €25.000.
• Maximum loan amount: €1.500.000.
• Maturity: maximum 9 years.
• Lack of principal: maximum 7 years.

Requirements:

• Co-financing of the financial needs associated with the business project.
• The company's own funds will be equivalent, at least, to the amount of the loan.
• The company applying for an ENISA loan must show a balanced financial structure and professionalism in management.
• The company that receives an ENISA loan, for an amount greater than €300.000, must have its financial statements for the last financial year externally audited.

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ENISA Cultural and Creative Industries

Object: To support and promote, through funding, innovative business projects promoted by small and medium-sized companies in the audiovisual and video game sectors, as well as in the cultural and creative industries.

Organisation: ENISA 

Amount and conditions: Minimum loan amount: €25.000. Maximum loan amount: €1.500.000.
The interest rate will be applied in two installments:

• First section: Euribor + 2% or Euribor + 3,75%, according to the qualification (rating) of the operation.
• Second section: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 8%, in accordance with the qualification (rating) of the operation.

Opening commission: 0,5%. Maturity: maximum, 9 years. Lack of principal: maximum, 7 years.

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ICF-IFEM participatory loans. Corporate entrepreneurship

Object: ICF manages through IFEM the support for the creation and development of innovative start-ups through venture capital programs and co-investment with private investors through participatory loans.

Amount and conditions: The expenses associated with the development of the business plan that is the subject of the application will be financed. A corporate entrepreneurship project is understood to be one in which a corporate investor enters the capital of a small company to develop a business plan that responds to a need for innovation and/or growth of the corporate investor. .

• Between € 50.000 and € 200.000 per project, subject to investment in the form of capital by private investors.
• Term: up to 5 years.
• Amortization: only at maturity.
• Fixed interest: the maximum between 4% and the rate that would result from the application of the Communication from the European Commission on the revision of the method for setting the reference and updating rate (OJ C 14, 19.1.08). Settlements will be quarterly.
• Variable interest: will be determined based on the evolution of the business plan (up to a maximum of 15% including the fixed).
• Commissions: 0,5% management.
• The approved operations will have the assumption of 80% of the credit risk of the operation by the Department of Business and Knowledge.

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ICF Venture Tech II

Object: Venture capital fund intended to invest in startups that promote technological and/or innovation projects with high growth potential.

Amount and conditions:

• Type of investment: Transactions with debt instruments, convertible debt and/or equity.
• Amount of the operation: Between € 500.000 and € 2 million.
• Project characteristics: Projects in early early maturation phases and series A.
• ICT Sector: ICT, digital, and selectively, health sciences (excludes models with products that need clinical phases).
• Business Model: Capital efficient, scalable, aimed at large, growing markets and where a clear differentiation is provided (through technology and/or innovation) that produces sustainable competitive advantages so that the company presents a high potential for growth and revaluation.

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Interest-free loans from the ASCA Foundation (Solidarity Association against Unemployment)

Object: Fund entrepreneurship projects for people who are unemployed or in precarious work situations. The aim is to encourage the self-esteem of these people and encourage the creation and consolidation of jobs.

Amount and conditions:

• Interest-free loans.
• The project, the skills of the entrepreneur and also the social impact it can generate are valued.
• A very wide range of modalities, from the financing of work tools to the granting of loans for the creation of cooperatives.

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Crowfunding or micro-patronage

Micro-patronage is a collaborative project financing mechanism developed on the basis of new technologies. It dispenses with traditional financial intermediation and consists of contacting project promoters who request funds through the issuance of securities and shares or through the application for loans, with investors or fund providers looking for a return on investment. . Two characteristics stand out in this activity: the massive union of investors who finance small projects with high potential in small amounts and the risky nature of this investment. There are several crowfunding platforms.

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Alternative financing recommender

Alternative business financing is a reality, with a multitude of options and specialisations. There are so many, that finding the most suitable option for your needs is the first of the important decisions to make. The Alternative Financing Adviser created by ACCIO will help you achieve this. Tell them, in just 5 clicks, what your needs are, and they will suggest the solutions that best suit your sector, the situation of your company and the particularities of your project.

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