Consult all the grants and funding lines, state and European, that you can choose to start and/or grow your company.

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NEXT GENERATIONEU

What is it?

To help repair the economic and social damage caused by the coronavirus pandemic, the European Commission, the European Parliament and EU leaders have agreed on a recovery plan that will lead the way out of the crisis and lay the groundwork for a modern and more sustainable Europe.

The Recovery Plan for Europe (NGEU) for high-impact projects towards a greener, digital and resilient economy related to the digitalisation of people, the productive fabric, technological infrastructures or the reform of the Public Administration is endowed with 750.000 billion euros to finance transformation projects.

Més informació

Consult all the calls of interest for companies AQUÍ

See all Next Generation open calls  AQUÍ

Check out the pending calls AQUÍ

Consult the calls by topic AQUÍ

Weekly call bulletin AQUÍ

AID FOR RESEARCH, DEVELOPMENT AND INNOVATION

Investigo CAT program, subsidies for the recruitment of young researchers

Entity

University and Research Grants Management Agency (AGAUR) 

Amount and conditions: 

aimed at

- Public or private sector companies that are investing in research and innovation initiatives.

- Public research bodies.

- Public universities, their university institutes, and private universities with demonstrated capacity and activity in R+D+I.

- Non-profit public and private health centers and institutions, linked or coordinated with the National Health System, that develop R+D+I activities.

- Biomedical or health research institutes accredited by ministerial order.

- Technological centers and technological innovation support centers at state level.

- Other public R+D+I centers, with their own legal personality, that have R+D+I as their main activity.

- Private R+D+I centers, not for profit and with their own legal personality, which have defined R+D+I as their main activity.

 

Eligible actions: 

Recruitment of young people (between 16 and 30 years old) for the development and execution of research and innovation functions, tasks and initiatives. 

The duration of the contracts to be subsidized must be 12 months and must be completed in full no later than October 15, 2025. The contracts must be full-time and will be carried out in accordance with current labor legislation. 

Research and innovation initiatives will preferably be developed in occupations related to health, ecological transition, green economy, digitization of services and "data science". 

 

Amount:

The total budget for this call is €2.355.145,26. 

The aid will be €33.108,92 per contracted person and contract year. 

Deadline:

From January 15 to January 26, 2024.

More information

 

Torres Quevedo

Object: Recruitment of doctors to participate in specific research projects

industrial, experimental development or previous feasibility studies, for a period of 3 years.

Body: Ministry of Science, Innovation and Universities

Amount and conditions 

Beneficiaries : Companies (including spin-offs and JEI), technology centers, technology innovation support centers, business associations and science and technology parks

Amount:  of annual recruitment (gross salary + Social Security business quota).

Minimum annual gross salary €28.000

Maximum annual financeable budget €55.000

Subsidy for lost funds in a maximum percentage according to the type of project.

Deadline: February 13, 2024 at 14 p.m.

More information

 

Research Program

Object: help to the recruitment of young people (over 16 and under 30) for the development and execution of functions, tasks and research and innovation initiatives, which are the responsibility of the beneficiary entities.

Amount and conditions:

• Subsidy of €33.108,92 per hired person per year.

• The gross salary + social security is subsidized

• Operational center in Catalonia.

• For recruitment of:

o Research staff (minimum PhD)

o Personnel Technologist/ologist: minimum university degree or equivalent qualification

o R+D+i technical staff: minimum training cycle of higher degree or university degree.

• That they are in the Social Security contribution groups 4 to 1.

• A maximum of 3 contracts can be requested per request.

Term: PENDING NEW CALL 

More information 

 
Public - private collaboration call 2024

Object : To support experimental development projects in cooperation between companies and research organizations, in order to advance in the incorporation of scientific and technical knowledge and results that allow the validation and pre-competitive development of new technologies, products and services.

The proposals must be framed in a single challenge from those mentioned below:

1. Health 2. Culture, Creativity and inclusive society 3. Civil Security for society

4. Digital world, industry, space and defense 5. Climate, Energy and mobility 6. Food, bioeconomy, natural resources and environment

Organisation: Ministry of Science, Innovation and Universities

Amount and conditions: 

  • Projects in public-private cooperation.
  • 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 percentages of business participation must be at least 51% of the total budget presented, without any entity running alone with more than 70% of the aforementioned budget.

Terms: February 20, 2024

More information

 

Fund SME Ideas Powered for Business

Objectgrant scheme designed to help small and medium-sized enterprises (SMEs) in the EU to protect their intellectual property (IP) rights. 

Organisation: EU

conditions

Protecting your IP is a must in the digital age. It's a legal way to prevent your unique ideas, products or services from being copied or used without your permission. IP protection through the SME Fund can cover many different assets, including trademarks, designs, patents and plant varieties.   

The SME Fund offers financial support to SMEs established in the European Union. The application can be submitted by an owner, an employee or an authorized external representative acting on their behalf. Grants are awarded in the form of vouchers that beneficiaries can use to claim reimbursement for the costs of their IP application. The refund is always transferred directly to the SME's bank account. 

Funds are limited and available on a first-come, first-served basis. 

The SME Fund offers 4 different vouchers that can be used to claim reimbursement for various IP-related activities. These include applications for trademarks, designs, patents and plant varieties, and IP scanning services. You can save up to 75% on correct IP applications and 90% on an IP scan, depending on your country or region. 

 For more information, a webinar will take place on February 6, 2024. 

Terms: 06/12/2024

Informative webinar : 6/2/2024

More information

 

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.

More information

 
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.

More information

 
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.

More information

 
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.

More information

 
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 tranches: First tranche: Euribor + 3,25%. Second tranche: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 6 %, according to the rating (rating) of the operation.
  • Opening commission: 0,5%.
  • Maturity: maximum, 7 years.
  • Lack of principal: maximum, 5 years.

Terms: Open all year.

More information

 

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 tranches: - First tranche: Euribor + 3,75%. Second tranche: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 6%, according to the rating (rating) of the operation.
  • Opening commission: 0,5%.
  • Maturity: maximum, 7 years.
  • Lack of principal: maximum, 5 years.

Terms: Open all year.

More information

 
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.

  • The interest rate will be applied in two tranches: First tranche: Euribor + 3,75%. Second tranche: we apply a variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 8%, according to the rating (rating) of the operation.
  • Opening commission: 0,5%.
  • Maturity: maximum, 9 years.
  • Lack of principal: maximum, 7 years.

Terms: Open all year.

More information

 
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.

More information

 

Horizon Europe #HorizonEU

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

Service of the Generalitat de Catalunya for advice on Horizon EU

More information
 

Horizon EU Calls:

More information
 

Partner Finder:  

Are you looking for partners for your project? 

More information

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.

More information

 
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.

More information

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.

Check open tenders in Public Procurement of Innovation.

Discover outstanding tenders in Innovation Public Procurement

AID FOR DIGITALISATION

PADIH coupons

Object: promote innovation and the adoption of disruptive digital technologies by SMEs through the financing of the services provided by the entities affiliated to DIH4CAT.

Body: The coordination of the entire DIH4CAT is done by ACCIÓ of the Generalitat de CatalunyaEuropean Union and Ministry of Industry, Commerce and Tourism

Amount and conditions:

- Introduction of a technology to the SME (70 h) - max. €10.000 

Initial advice for the implementation of technologies: Consulting service with the aim of offering SMEs ideas to make them more competitive and improve their business model thanks to the use of new technologies. 

- Essay and experimentation of an idea coming from the PIME –  maximum €20.000

Testing and experimentation (including technological proof of concept): The aim is to enable the SME to check the technical feasibility of an idea. It will include both the analysis of the technical, commercial or social feasibility of the results subject to the proof of concept as well as the obtaining of prototypes, demonstration at pilot scale, tests with users and other activities.

- Training for the implementation and subsequent management of the technology (35 h) - max €5.000. 

Training for the acquisition of basic knowledge for the implementation and subsequent management of the technology.

- Support for access to innovation networks and ecosystems (35 h) - max €5.000 

It consists of facilitating the transfer of knowledge and experience by bringing together SMEs established in one region and EDIH established in other regions. An estimated duration of 35 hours of consultancy

- Advice on the search for financing for the implementation of the technology (35h) - max €5.000. 

The objective is to analyze the financial needs required for the implementation of the technology and the search for the appropriate instruments and institutions to turn to as sources of financing.

PADIH coupons do not include aid for purchases of machinery, software licenses, materials... These are elements that may be key to the implementation of a new technology and for which the company must find its own resources or based to other aids that can be obtained.

Deadline: September 30, 2025, or before if the budget provided for by the call is used up

More information

Digital Kit - TERM EXTENSION!

Object: Grants to SMEs and the self-employed for the process of digital transformation of the business.

Body: Ministry of Economic Affairs and Digital Transformation.

Amount and conditions: It consists of a digital bonus with an economic amount for you to administer by choosing one or several digital solutions from the offers by the accredited digitization agents who develop the catalog services: web development, e-commerce, social media management, customer and supplier management, business intelligence and analytics, virtual office services and tools, process management, e-invoicing, secure communications and online cyber security.

Digital voucher amount:

  • Small companies between 10 and less than 50 employees - €12.000 open.
  • Small companies or Micro-companies with between 3 and less than 10 employees - €6.000 open.
  • Small companies or Micro-companies with between 1 and less than 3 employees and self-employed people - €2.000 open.

To request the digital bonus you must register at www.acelerapyme.es and complete the self-diagnostic test. You will then need to access the catalog of digitizing agents and decide with whom you want to develop the digital solution.

Deadline: Until December 31, 2024

More information 

Outline steps to follow Digital kit

Ask for help at l'Office Accelera Pime Rural located in the Pimec office at the Tecnocampus 

 

Call for grants to improve the cyber security levels of SMEs through the 'Activa Cybersecurity' initiative

Object: Advisory program aimed at SMEs to improve their levels of cybersecurity

Amount and conditions:

The program offers the analysis of the current situation of the company in terms of Cybersecurity in order to know its current level of security and the preparation of a Cybersecurity Plan specific to the company, with a personalized design of actions that must be developed and implemented by the beneficiary company. The term of duration of the advisory service will be between 4 and 5 months from the publication of the resolution of the concession, except justification accepted by the EOI.  

The beneficiary organization will receive a support program, with 20 hours of advice, with the following Phases

  • Diagnosis and audit of company cyber security 
  • Preparation of a Cybersecurity Plan 
  • Group workshop and closing of the service 

The beneficiary entity will select, through the electronic aid application form, the collaborating entity that it wants to offer the service.  

Companies that have the status of SME, that have their own legal personality in the Spanish State and that are legally incorporated and duly registered in the corresponding register may have the status of beneficiaries.  

The individualized amount of the aid in kind that is granted, understood as the gross subsidy equivalent, will be 2.140 euros.  

Terms: until the budget credit established in the call is used up.  

More information

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.

More information

Other European funding opportunities in the digital field: Here

AID FOR EMPLOYMENT

Program 30 Plus

Object: Facilitate the employment of people over 30 years of age, in a situation of unemployment, difficulties in accessing the labor market and with the obligation to carry out training to improve their skills related to the position to be filled.

Organisation: Government of Catalonia. Managed by Mataró Employment Service

Amount and conditions: 

  • Financial subsidy of €1.260,00/month for new hires.
  • Subsidized work contract of at least 6 months; with a minimum of 20 hours per week.
  • Deadlines for starting recruitment:
  1. for contracts of more than 6 months and up to a subsidized period of a maximum of 9 months: contract starts until 01/01/2024
  2. for 6-month contracts: contract starts until 01/04/2024.
  • Interim contracts, relief or replacement of workers with job reservation will not be compatible.
  • The remuneration must correspond to the agreement and the professional category and, in no case, be lower than the SMI in force.
  • The person proposed by the company cannot be considered as a candidate.
  • The company cannot have dismissed anyone of the same profile or professional category in an inappropriate or void manner or by collective dismissal by the judicial body during the 3 months prior to signing the contract, consult.
  • The same company can host up to 5 subsidized contracts.

More information

AID FOR INTERNATIONALISATION

Aid for professional events for the internationalization of the cultural and creative industries

Object:

Body: Ministry of Culture

Amount and conditions:

Aimed at micro-enterprises, small and medium-sized enterprises with tax residence in Spain. 

Eligible actions: 

The organization of platforms, forums, events, conferences, fairs, festivals, congresses or meetings of a professional nature and international impact relating to the cultural and creative industries, both in Spanish territory and abroad. All proposed activities must have an international impact and a high cultural and professional interest. 

Specifically, industrial and intellectual property expenses will be subsidized; machinery, equipment and premises rentals; costs corresponding to the contracting of technical services and costs corresponding to the remuneration of fixed or temporary staff dependent on the beneficiary entities. 

Deadline:From March 1 and until March 21, 2024.

More information

AID FOR THE CREATION OF COMPANIES

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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.

More information

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.

More information 

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.

More information

SECTOR-SPECIFIC AID

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ENABLE GROWTH

Object: specialized and personalized advisory program, carried out by accredited consultants with experience in the implementation of industrial growth projects, which is carried out using the methodology developed by the General Secretariat of Industry and SMEs.

Organisation : Ministry of Industry, Commerce and Tourism

Amount and conditions:

This program allows companies to have a situation diagnosis and a Growth Plan focused on one of the six areas of potential growth of the company: innovation, human resources, operations, digitization, marketing and commercialization and finance.

Time limit : Until funds are exhausted

More information

Comprehensive action aid for the decarbonisation of the manufacturing industry

Object: Granting of grants to tractor projects of entities belonging to the sectors of the manufacturing industry in Spain, with the aim of promoting the decarbonisation of their production processes, within the Strategic Project for the Recovery and Economic Transformation of the Manufacturing Industry ( PERTE of Industrial Decarbonization).

Body: Ministry of Industry and Tourism.

Amount and conditions: 

The following may be beneficiaries of the aid: 

State commercial companies and private commercial companies, as long as they carry out some industrial activity. These entities must have developed industrial activities for at least a period of three years counted from the date of application. 

The groupings without their own legal personality in which an entity from the previous section participates and that have established a grouping agreement. 

The maximum amount of aid that can be granted will be 499.800.000 euros in the form of a grant and 500.000.000 euros in the form of a loan. 

For each primary project and beneficiary entity, the total funding that can be granted by adding the nominal loan and the subsidy will be a maximum of 80% of the financeable budget. 

The minimum budget of financeable concepts for each tractor project will be 1.000.000 euros. 

Deadline:  April 17, 2024 

More information

 
Line of loans under preferential conditions for the financing of investment projects and industrial development for the years 2023-2024

Object: Bonus of up to 2% of the interest on credit operations intended to finance, among other investment and industrial development projects that involve:

  • the digitization of industry
  • industrial investment with significant impact
  • the transformation of the automotive sector

Organisation: Catalan Institute of Finance

Amount and conditions: Loan conditions:

  • Import: Up to 80% of the investment, with a minimum of 200.000 euros in the case of SMEs; and 800.000 euros in the case of large companies.
  • Terms: Up to ten years, with up to two grace years included.
  • Interest rates: 12-month EURIBOR plus a spread of between 2% and 2,95% depending on the project. Exceptionally, it may be a fixed interest rate of at least 2,75%.
  • The approved operations will have an interest rate bonus of up to 2% by the Department of Business and Knowledge in accordance with the established aid order.
  • Commissions: Maximum opening of 0,50% of the loan amount; and for early repayment, a maximum of 0,50% of the amortized amount.
  • Guarantee: To be determined depending on the project.

Investment and industrial development projects must involve a minimum expenditure of1.000.000 euro in the case of large companies, or of 250.000 € in the case of SMEs, which conform to the following typologies:

  • Industry digitization projects through the application of technologies linked to Industry 4.0.
  • Industrial investment projects that have a significant, certain, quantifiable and measurable impact over the time that the financial aid lasts on -at least- three of the seven aspects listed in the bases.
  • Investment projects aimed at the transformation of the automotive sector, included in the objectives of the Support Plan for the automotive and mobility industry and that consist of a diagnosis that orients the activity towards new opportunities for business

The types of digitization and transformation projects in the automotive sector may include research and development actions.

Terms: December 30, 2024.

More information 

 
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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Grants from the Incentive Program linked to self-supply and storage of renewable energy sources and the implementation of renewable thermal systems.

Object: Promote the deployment of renewable energies, both thermal and electric, in the different consumer sectors, encourage greater control of consumption through the development of storage systems behind the meter and the boost to industry and the associated business sector.

Body: Generalitat Catalonia-ICAEN.

Amount and conditions:

Different programs open:

  • Incentive program 1: Construction of self-consumption installations, with renewable energy sources (photovoltaic or wind), in the service sector, with or without storage.
  • Incentive program 2: Construction of self-consumption installations, with renewable energy sources (photovoltaic or wind), in other productive sectors of the economy, with or without storage.
  • Incentive program 3: Incorporation of storage in self-consumption facilities, with renewable energy sources, already existing in the service sector and other productive sectors.
  • Incentive program 4: Construction of self-consumption installations, with renewable energy sources, in the residential sector, public administrations and the third sector, with or without storage.
  • Incentive program 5: Incorporation of storage in self-consumption facilities, with renewable energy sources, already existing in the residential sector, public administrations and the third sector.
  • Incentive program 6: Realization of thermal renewable energy installations in the residential sector. It includes solar thermal, biomass, geothermal, hydrothermal or aerothermal technologies (except air-air technologies) for air conditioning and/or domestic hot water.

Deadline: Consult according to the program.

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Subsidies for consulting for companies or cultural entities

Object: grant of grants for consultancy for companies, both natural and legal persons, and entities in the fields of performing arts, visual arts, publishing, music, audiovisual and digital culture, in the following ways : 

  • Specific consulting modality
  • Preferred consulting modality, with five modalities according to the object:

a) Analysis plans and strategies for audience development. The plan must contain the diagnosis, planning strategies and indicators to create and develop cultural audiences.

b) Internationalization, both of business structures and of the products or services offered.

c) Environmental sustainability plans, studies for the prevention and improvement of waste management, energy efficiency studies, environmental communication studies, etc., to reduce the environmental impact of the organization or activity .

 

d) The preparation of a general strategic plan for the company or entity..)

e) The plans for communicative accessibility, content, activities and services, with the tools and measures to be followed to achieve their implementation for all population diversities. 

Body: Generalitat de Catalunya

Deadline: March 25, 2024

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Subsidy Bookstores

Object: modernization of the bookstore, understood as an establishment open to the public aimed mainly at the sale of books, through the completion of works, the acquisition of goods and equipment, the incorporation of new technologies, the preparation of quality audits service, and carrying out actions to promote books and reading. The activities subject to subsidy must have a direct impact on the quality of the service provided to the user and on the marketing of the book.

Body: Generalitat de Catalunya

Amount and conditions: In the case of newly created bookstores, the amount awarded will be a maximum of 20.000,00 euros with the limit of the cost of the subsidized activity. For the rest of the bookshops, the amount of the subsidy is determined based on the annual retail book turnover of each establishment, corresponding to the year before the grant of the subsidy.

Terms: March 5, 2024

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BANKING AND OTHER FINANCING

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 line Companies and entrepreneurs

Object: Financing for the self-employed, entrepreneurs and all types of companies, both Spanish and foreign, that want to carry out business activities and/or investments, cover liquidity needs or expenses within the national territory. It can be applied for directly from credit institutions.

Amount and conditions:

  • Modality: loan, leasing, renting or line of credit.
  • Interest rate: fixed or variable, plus the margin established by the credit institution according to the repayment period.
  • Amortization and grace period: from 1 to 20 years with the possibility of up to 3 years of grace period depending on the principal. of the deadlines.

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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.
  • Guarantee: 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.
  • Guarantee: 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.
  • Guarantee: 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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AWARDS

IV Edition of the Rosa Maria Garriga Women's Entrepreneurship Awards 

 

Don't miss the 4th Edition of the Rosa Maria Garriga Women's Entrepreneurship Awards, highlighting the effort and dedication of all women entrepreneurs in Catalonia. It is aimed at female entrepreneurs who are consolidating their project in Catalonia. Sign up!

 

Terms: Until February 17.

 

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Foodtech Innovation Awards 2024

 

PICK&PACK for Food Industry (16-18 April 2024 – Bilbao) opens the call for the FoodTech Innovation Awards 2024, the annual competition that awards and recognizes the most innovative projects in technology, sustainability, circular packaging and intelligent logistics in the food industry.

 

The awards are open to all companies, associations, startups, universities, research centers and science and technology parks that have achieved new levels of innovation, productivity and sustainability.

 

Terms: March 15, 2024

 

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OTHERS