Grants and financing

NEOTEC Program

Object: aims to finance new innovative business projects based on the development of own technology derived from research activity. Priority is given to hiring people with a doctorate to enhance the generation of knowledge in the company. Businesses based mainly on services to third parties without their own technological development are not financed.

Organisation : Center for Technological Development and Innovation (CDTI)

Beneficiaries: Small innovative Spanish companies with less than 3 years since their registration in the commercial register, with a minimum capital of €20.000 fully paid up and registered. They cannot be listed (except on alternative markets), nor have distributed profits or come from a business concentration. They must have deposited the accounts for 2023 and not have previously received NEOTEC aid.

Women-led companies

They have a reserved budget if:

Its administrative body is made up mostly of women (at least 3 months before the closing of the call).

In addition, at least one of these requirements is met:

a) More than 50% of the company's capital is in the hands of women.

b) At least 40% of the project's personnel costs are women.

Duration of projects

Projects can last 1 or 2 years, starting on January 1, 2026 and ending on December 31, 2026 or 2027, respectively.

Project budget

• Minimum: €175.000
• Maximum: €750.000 (not including Annex II training)

Type and amount of aid

Subsidy of 70% of the budget (up to €250.000)

If a doctor is hired, up to 85% (maximum €325.000)

Up to an additional €10.000 if you participate in specific training in the USA

Eligible expenses

It includes fixed assets, contracted personnel, materials, external services (max. 50% of the budget), other expenses such as rent, patents, promotion (max. €10.000), training trips (max. €8.000), and audit report (max. €2.000).

Payment of aid

60% advance (up to €150.000) without guarantees

The rest is received after the project is justified.

Terms: Until June 12, 2025 at 12:00 p.m.

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Strategy coupons

Object: their objective is to accompany key people in a company to identify changes that may impact their current business model and define and prioritize the most relevant opportunities to ensure competitiveness in the future.

Body: Action

An experienced advisor will accompany the company in analyzing changes in the environment, the effect they may have on the business model, and identifying new opportunities and challenges to respond to them.

Maximum aid: 8.000 euros.

Coupons are granted in chronological order of request and usually sell out in a short time. 

The call for ACCIÓ 2025 Coupons will be published soon

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Innovation ACTION coupons

Object:Innovation starts with an idea, but it's built with support, knowledge and action. With Innovation Coupons, companies like yours can take a step forward to start building their future.

These coupons are designed to accompany you on different paths and stages of business innovation: from adapting to climate change and protecting your assets through patents and utility models, to facilitating your access to European R&D&I projects. Discover the three key modalities of the new call for Innovation Vouchers 2025.

Remember that coupons are granted in chronological order of request and usually sell out in a short time. 

The call for ACCIÓ 2025 Coupons will be published soon.

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Business R&D projects

Object: To finance research and development projects led by a Catalan company, which aim to advance technology and which are developed in Catalonia.

• Individual projects of a company with an operational establishment in Catalonia.
• Projects in cooperation between companies, with a minimum of 2 companies with an operational establishment in Catalonia.
• Projects in cooperation between companies and technology transfer agents with TECNIO accreditation

Organisation:Generalitat of Catalonia

Amount and conditions: Maximum grant per project: €250.000. 

Terms: May 22

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PIME Innova 2025 Call from the Barcelona Chamber of Commerce

Object: The program is implemented through two direct support actions:   

• Assisted Innovation Diagnosis, which will allow SMEs to analyze their level of innovation and their possibilities for improvement by studying the company's level of competitiveness in its economic and market environment.   
• Financial aid for the implementation of the solutions and improvements detected that will be detailed in the Personalized Implementation Plan that will take into account the characteristics and sector of activity of the company.   

Organisation: Chamber of Commerce 

Beneficiary entities: 

Beneficiary entities must be small and medium-sized enterprises registered in the Economic Activities Tax Census and have a minimum turnover of 100.000 euros in the last year. In addition, they must have their registered office and/or production center in one of the municipalities in the demarcation of the Barcelona Chamber of Commerce. 

Amount:   

The budget is divided as follows:   

• Free services for companies and are divided into the following types: Advice to SMEs through Assisted Innovation Diagnosis/Implementation Monitoring   
• Financial aid for innovation for SMEs: The total amount of financial aid for SMEs is 29.960 euros, which provides for an estimated participation of 10 companies. The eligible budget associated with the implementation of the action plans will vary in each case, with a maximum of 7.490 euros per company.     

Terms :May 21, 2025.     

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Grants for transfer and innovation projects, knowledge generation, communities of emerging companies, ethics and society and data space in the field of AI (RETECH)

Object: grants for transfer and innovation projects, knowledge generation, communities of emerging companies, ethics and society and data space within the framework of the Territorial Network of Hubs in Artificial Intelligence of the Territorial Networks of Technological Specialization (RETECH) program.

These grants will include five different lines:

1. Projects to promote transfer and innovation in the field of AI.
2. Initiatives to promote scientific research and talent management and accelerate the development of AI-based solutions. Activities to boost the ecosystem of entities that develop and integrate, implement or offer technological solutions in the field of AI.
3. Training and technical capacity building activities in the application of ethical principles in the use and implementation of AI systems.
4. Proofs of concept on an AI dataspace demonstrator center.

This call is part of component 16 of the Recovery, Transformation and Resilience Plan which refers to the “National Artificial Intelligence Strategy”.

Beneficiaries:

• Line 1: Public and private companies, research and knowledge dissemination organizations and groups formed by two or more of these entities.
• Line 2: Research and knowledge dissemination organizations and groups formed by two or more of these organizations.
• Line 3: Chambers of commerce, business associations, public law corporations, research and knowledge dissemination organizations and groups formed by two or more of these entities.
• Line 4: Chambers of commerce, business associations, public law corporations, research and knowledge dissemination organizations and groups formed by two or more of these entities.
• Line 5: Public and private companies and groups formed by two or more of these companies.

Quantity and conditions. In all lines the maximum aid intensity is 75%.

The maximum grant per project will be €200.000 for individual projects and €500.000 in the case of group projects in the case of Line 1, between €100.000 and €300.000 (depending on the type of project) in Line 2, between €50.000 and €300.000 (depending on the type of project) in Line 3, €300.000 for projects in Line 4 and €500.000 in the case of Line 5.

Time limit : pending call

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The deadline for submitting applications will be established in the corresponding call.

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

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.

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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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NEOTEC Program

Object: aims to finance new innovative business projects based on the development of own technology derived from research activity. Priority is given to hiring people with a doctorate to enhance the generation of knowledge in the company. Businesses based mainly on services to third parties without their own technological development are not financed.

Organisation : Center for Technological Development and Innovation (CDTI)

Beneficiaries: Small innovative Spanish companies with less than 3 years since their registration in the commercial register, with a minimum capital of €20.000 fully paid up and registered. They cannot be listed (except on alternative markets), nor have distributed profits or come from a business concentration. They must have deposited the accounts for 2023 and not have previously received NEOTEC aid.

Women-led companies

They have a reserved budget if:

Its administrative body is made up mostly of women (at least 3 months before the closing of the call).

In addition, at least one of these requirements is met:

a) More than 50% of the company's capital is in the hands of women.

b) At least 40% of the project's personnel costs are women.

Duration of projects

Projects can last 1 or 2 years, starting on January 1, 2026 and ending on December 31, 2026 or 2027, respectively.

Project budget

• Minimum: €175.000
• Maximum: €750.000 (not including Annex II training)

Type and amount of aid

Subsidy of 70% of the budget (up to €250.000)

If a doctor is hired, up to 85% (maximum €325.000)

Up to an additional €10.000 if you participate in specific training in the USA

Eligible expenses

It includes fixed assets, contracted personnel, materials, external services (max. 50% of the budget), other expenses such as rent, patents, promotion (max. €10.000), training trips (max. €8.000), and audit report (max. €2.000).

Payment of aid

60% advance (up to €150.000) without guarantees

The rest is received after the project is justified.

Terms: Until June 12, 2025 at 12:00 p.m.

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EIC ACCESS+ call for startups and deep technology SMEs

Object: The EIC ACCESS+ project aims to address specific challenges that deep technology innovators often face when bringing their innovative solutions to market. These challenges, such as access to infrastructure, talent and funding, can often prevent promising innovations from reaching their full potential. The EIC directly addresses these obstacles by providing financial support that allows beneficiaries to access the specialized services listed in the EIC service catalogue. This platform brings together the services of the organizations that support EIC innovators under the EIC Ecosystem Partnership Programme.

Body: European Innovation Council (EIC)

Amount and conditions: The call offers grants of up to €60.000, covering up to 50% of costs, to access specialist services from the EIC service catalogue for start-ups and deep-tech SMEs that have received EIC awards or the prestigious Horizon Europe Seal of Excellence. Companies can use the funds to access vital resources to accelerate their growth and scale their innovations.

Applicants can choose from four service packages that provide specific support: 

 - Research package (up to €60.000): access to infrastructure, R&D support, prototyping and proof of concept. 

 - Business acceleration package (up to €30.000): services such as business planning, matchmaking, internationalization and business creation. 

 - Skills improvement package (up to €10.000): tutoring, mentoring and talent management. 

 - Fund Access Package (up to €30.000): assistance with fundraising, intellectual property and legal services, and due diligence. 

Grants cover up to 50% of the service costs (excluding VAT), with a maximum cumulative grant amount of €60.000 per applicant. This flexible approach allows applicants to access one or more services based on their specific needs. 

Who can submit their application? 

The open call is open to EIC laureates (from the EIC Pathfinder, Transition and Accelerator programmes) and to Seal of Excellence holders (Horizon Europe programme). EIC laureates from EU or associated countries are encouraged to apply for this support. Applicants must be deep-tech start-ups that combine cutting-edge solutions in science, technology or engineering. 

Deadline: 31/05/2026

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STARTUP ACCELERATION PROGRAM

Object: The in-kind aid of the "Startup Acceleration Program" consists of an individualized advisory service to promote the development and growth of startups and innovative projects with the aim of scaling their activity and business model.

Body: EOI

Conditions: The counseling will consist of three phases: (i) training program; (ii) acceleration program; and (iii) connection with the business fabric and networking. The estimated duration of the program is 5 months. The content of the Acceleration Plan resulting from these phases is detailed in Annex I of the aforementioned Basic Order.

Interested startups and innovative entrepreneurs can choose between the regional and sectoral modalities of the program:

• "Startup Acceleration Programs - Regional": they will be developed in each autonomous community, with a territorial focus, targeting startups and innovative entrepreneurs from any sector located in it. The service subject to the aid of each regional program will be adapted to the priorities and needs of the territory, the entrepreneurs and the business fabric.
• "Startup Acceleration Programs - Sectoral": they will be developed in each of the ten tractor sectors highlighted by the Spain Entrepreneurial Nation Strategy, EENE (industry, cultural, musical or audiovisual industries, mobility, health, construction and materials, energy and transition ecological, banking and finance, digital and telecommunications, agri-food and biotechnology). Each sectoral program is aimed at startups and innovative entrepreneurs from all over the national territory who develop or are going to develop their activity in this area. The service subject to aid will be adapted to the priorities and needs of each sector.

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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 reindustrialization and maintenance of industrial activity in difficulty in Catalonia

Object: to support reindustrialization projects and the maintenance of industrial activity in difficulty in Catalonia. Specifically, each subsidy is intended for:

 - Subsidize reindustrialization projects that contribute to restarting or continuing the activity of production centers that are subject to closure or relocation.

 - Subsidize the maintenance of industrial activities in difficulty.

Body: Generalitat Catalonia

Amount and conditions:

 - Industrial companies with CCAE 10, 11, 13 – 32, 38.

 - Have operational headquarters in Catalonia or be newly established.

 - Reindustrialization projects that contribute to restarting or continuing the activity of production centers subject to closure or relocation: GRANT of up to €2.250.000

 - Maintenance of industrial activity in difficult situations: SUBSIDY of up to €350.000

Deadline: October 1, 2025.

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ACTIVE INDUSTRY 4.0

Object; The Activa Indústria 4.0 Program offers you a comprehensive diagnosis and analysis of the initial digital situation of your company and the preparation of a Transformation Plan that includes the definition, quantification and prioritization of personalized digitization opportunities so that you can develop and implement

Amount and conditions: In addition, you will have at least 50 hours of advice (face-to-face and/or online) from a specialist consultant; as well as workshops and presentation of the technologies that will help you define the implementation process of the actions included in your Digital Transformation Plan. Rated at  €7.400. From the hand of specialized consulting companies.

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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

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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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.
• 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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