Grants and financing

Industrial PhD students

Object: Aid for the development of projects of Industrial Doctorate (DI) in any field of knowledge and in any business sector. The research project will be developed within the strategic framework of a company and, at the same time, within a research group of a university, a research center, hospital foundation or technological center where the doctoral student has to carry out research training, which must lead to a doctoral thesis.

Two forms of DI are considered:

• Co-financed DI (DI-COF): where the business environment has a work center in Catalonia and the PhD student will dedicate himself to the research project full-time. In this mode, both the academic and the business environment are beneficiaries of the aid.
• Specific DIs (DI-ESP): Only the academic environment can be a beneficiary of the aid. This modality will be of choice when:
  • The company may not undertake the direct recruitment of the PhD student and in accordance with the academic environment compensate the labor costs of the recruitment.
  • The doctoral student's dedication to the development of the project and the doctoral thesis cannot be exclusive and, consequently, the expected duration of the DI project is greater than three years.
  • The work center of the business environment is located outside Catalonia.
  • Other unforeseen cases of special interest arise that, duly justified, can be considered by the selection committee.

Deadlines: 

• 1st call: May 25, 2023 (14:00 p.m.) (80% of the call budget)
• 2st call: 5 October 2023 (14:00 p.m.) (10% of the call budget)
• 3st call: December 11, 2023 (14:00 p.m.) (10% of the call budget)

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Coupons ACCIÓ 2023 European programs and R+D+I

Object: The new ACCIÓ Coupons for European and R+D+I programs are the push you need to access calls for European research and innovation grants collaboratively. An opportunity to realize your projects through programs such as Horizon Europe, Life or Digital Europe Programme, among others.

With these Coupons you will receive advice to prepare and write the proposal, for the creation of the consortium, support in the application of the regulations or aspects related to the preparation of a European R+D+I program.

Amount and conditions: Maximum aid: 12.000 euros. Remember that coupons are granted in chronological order of application and usually sell out in a short time. Get ready to claim your coupon!

Terms: December 1, 2023.

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Coupons ACTION Green

Object: Moving towards climate neutrality represents the great business opportunity of the coming years. ACCIÓ Green Coupons are the first step to make this possible. With them you will be able to identify opportunities for technological innovation to reduce greenhouse gas emissions or to reduce the company's vulnerability to the climate emergency.

Amount and conditions: The actions can be related to the use of technologies to develop sustainable materials, progress towards renewable energies, work to improve the efficiency of the use of water, energy or biodiversity, among others

Maximum help: 8.000 euros.

Remember that coupons are awarded in chronological order of application and tend to sell out quickly. Get ready to claim your coupon!

Deadline: December 1, 2023

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Subsidies for patent and utility model applications in Spain and abroad

Object: Cgrant of subsidies for the promotion of applications for Spanish and foreign patents and utility models.

Organisation: Spanish Patent and Trademark Office (OEPM) 

Amount and conditions:

The aid will take the form of SUBSIDIES up to 80-90% of the established reference amounts.

Terms: 25 May 2023.

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SME Fund 2023: Protection of intellectual property rights

Object: Grants for SMEs to protect their intellectual property rights.

Organisation: The SME Fund is an initiative of the European Commission.

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

Deadline: December 8, 2023.

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R+D+ia projects in the field of connected industry 4.0

Object: Financing of industrial research projects, experimental development, organizational innovation projects, process innovation projects and preliminary validation projects that contribute to the digital transformation of industrial companies and the improvement of environmental sustainability as a result of its digitization.

Organisation: Ministry of Industry, Commerce and Tourism.

Amount and conditions: 
Loan, grant or combination of both modalities (to select beneficiary) with the limitation: Nominal loan + grant: up to 80% of the financeable budget.

Types of projects:

1. Interconnection platforms of the company's value chain.
2. Solutions for advanced data processing.
3. Artificial intelligence solutions.
4. Industrial simulation projects.
5. Design and additive manufacturing.
6. Augmented reality, virtual reality and artificial vision projects.
7. Collaborative and cognitive robotics.
8. sensory 

Terms: June 27, 2023.

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Aid for new business model projects in the energy transition within the framework of the Recovery, Transformation and Resilience Plan.

Object: Promote projects of new business models that offer solutions to the challenges posed by the energy transition, related to innovation, the provision of flexibility services that allow greater integration of renewable energies, and therefore favor the decarbonization of the system, or the promotion and development of new business projects (startups) that provide innovative solutions for the energy transition.

Body: Ministry for the Ecological Transition and the Demographic Challenge.

Amount and conditions:

The actions subject to aid will be structured in the following lines of aid:

a) Innovation in the energy transition.
b) Decarbonisation of the energy sector and improvement of the integration of renewable energies. 
c) Startups for the energy transition.

Terms: Pending call.

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NUCLES R+D

Object: Finance research and development projects led by a Catalan company, which have as their object the progress of technology.

Body: Generalitat de Catalunya.

Amount and conditions:

Type of projects

• Individual projects of a company with an operational establishment in Catalonia.
• Projects in cooperation between companies, with a minimum of two companies with an operational establishment in Catalonia.
• Projects in cooperation between companies and technology developers with TECNIO accreditation, with a minimum of 1 company with an operational establishment in Catalonia and a TECNIO developer. The project must be led by a company with an operational establishment in Catalonia.

In all types of projects, international partners who have an operational establishment in one of the following territories may participate, without being beneficiaries of the aid:

Countries: Germany, Denmark, Netherlands, United Kingdom, France, Italy, Belgium, Israel, Brazil, India, Singapore, Japan, South Korea and Australia.

Some territories of countries such as: provinces of Alberta and Quebec (Canada), States of California, New York, Massachusetts (United States) and the municipalities with provincial category of Beijing and Shanghai, and the special administrative region of Hong Kong (China) .

Beneficiaries:

• Companies with an operational establishment in Catalonia that have at least 2 years of existence on the date of application for the aid.
• Technology developers who have a valid TECNIO accreditation.

Grant:

Maximum grant per project: €250.000. If the aid granted exceeds the established limit, the aid to the partner companies of the project will be reduced proportionally, but not that of the TECNIO centers.

Maximum aid for TECNIO centers: €100.000.

Terms: 6 June, 2023

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Fons ICO-Next Tech

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 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.

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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 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.

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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.

• 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.

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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? 

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

CDTI MULTILATERAL PROJECTS:

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

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

See calls 

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

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

CDTI BILATERAL PROJECTS:

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

UNILATERAL PROJECTS:

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

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ACCIO PARTNER SEARCH SERVICE:

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

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

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

Check open tenders in Public Procurement of Innovation.

Discover outstanding tenders in Innovation Public Procurement

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Help Raise the shutters

Object: Recover economic activity in the city, reopening currently disused premises, on the ground floor, making it easier for entrepreneurs to carry out their activities there. 

Organisation: Mataró City Council

Amount and conditions: Entrepreneurs who have launched a business project in an empty premises, at the foot of the street in an urban plot in Mataró, between October 1, 2022 and September 30, 2023, can apply for aid. and the owners of the premises where these activities take place.  

The amount of the aid will be:

• For people who own empty premises: aid equivalent to 100% of the IBI amount for the year 2023 up to a maximum of €1.000. The amount paid in terms of ICIO (tax on constructions, installations and works) in the name of the owner and the amount paid for obtaining planning permission for the rehabilitation of the premises to be rented.
• For entrepreneurial people up to a total maximum of €1.500 for the following concepts: for the amount paid to obtain the environmental license or prior communication, the amount paid in terms of ICIO, the amount to obtain the planning permit, the amount of the technician's fees (surveyor, engineer, etc.) for the processing of works and activities (maximum amount €500) and other expenses (maximum amount €500).

Terms: September 30, 2023. Applications will be processed in chronological order of presentation, provided there is sufficient budget credit.

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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: B60% discount on the fee for environmental licenses and prior communications, and for controls after the start of the activity, for people who are unemployed, or a 75% bonus 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 quota  reduced (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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START-UP CAPITAL COINVERSION

Object: Support the growth of Deep Tech start-ups with a product or service aligned with one or more challenges defined in the Sustainable Development Goals (SDGs).

Deep tech start-up companies are considered to be companies with their own, solid and demonstrable technological and scientific base with transformative solutions to global challenges and that help achieve the SDGs.

Deep tech technology includes innovations in biology, chemistry, physics, mathematics, engineering, machinery and programming, based on new scientific knowledge and cutting-edge technological advances, and involve high technological and market risk.

Amount and conditions:

Emerging SMEs (start-ups) that develop deep tech technologies with an operating center in Catalonia, that have formalized a round of financing and that meet certain requirements.

• LOAN with a non-refundable tranche: €250.000 (Maximum aid)
• Loan: 80%
• Fixed interest: 12-month Euribor + 2% renewable annually
• Amount: €60.000 – €200.000 (will be determined taking into account the amount of co-investment formalized by private investors or venture capital funds)
• Amortization and grace period: 10 years (including 4 grace periods)
• Loan disbursement: 100% at the time of formalization and within a maximum of 30 days after the date of signature of the co-investment loan contract.
• Amortization: quarterly amortization of capital and interest
• Non-refundable installment: 20%

Terms: October 16, 2023.

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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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Grants for new business opportunities (NON)

Object: Subsidies for new business opportunities are articulated in two lines:

• Línia 1: Strategic change business projects consisting of the realization of a business plan.
• Línia 2: Structural change business projects, consisting of the implementation of the actions defined in the previous business plan.

Organisation: Action. Government of Catalonia

Amount and conditions: Companies with operational establishments in Catalonia can be beneficiaries.

The amount of aid varies depending on the aid line. The minimum expenditure, carried out and justified, of the activity subject to the aid required to be able to consider the object and purpose of the aid fulfilled is 60% of the expenditure considered eligible for subsidy.

Terms: until 14:00 p.m. on June 30, 2023.

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Coupons ACTION to the strategy

Object: The ACCIÓ Coupons in the strategy for industrial companies aim to accompany the key people of a company to carry out a process of reflection on the organization's business and innovation model and to define new initiatives in the face of changes that may impact the business.

Amount and conditions: An experienced consultant will accompany the company to analyze changes in the environment, the effect they may have on the business model and to identify new opportunities and challenges to ensure its competitiveness.

Maximum aid: 8.000 euros.

Remember that coupons are awarded in chronological order of application and tend to sell out quickly. Get ready to claim your coupon!

Deadline: July 21, 2023

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Coupons ACTION in industry 4.0

Object: The ACCIÓ Coupons in Industry 4.0 are an opportunity to incorporate Industry 4.0 technologies into your company. Through these coupons you can take the first steps to implement technologies such as 3D printing, big data, the Internet of Things or robotics, among others, with the aim of improving products, services or company processes.

Amount and conditions:

The services of these coupons can be redeemed for advice on the process of integrating technologies and Industry 4.0 solutions that are included in the company's transformation plan.

Maximum aid: 20.000 euros

Remember that coupons are awarded in chronological order of application and tend to sell out quickly. Get ready to claim your coupon!

 Deadline: May 31, 2023

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Digital transformation projects and incorporation of Industry 4.0 technologies

Object: Aid to micro, small and medium industrial companies and production services for the implementation of digital transformation projects, through the acquisition of advanced machinery and equipment (hardware and software) and the incorporation of necessary Industry 4.0 technologies for the digital transformation of the production process of plants located in Catalonia, which allow to improve competitiveness and sustainability, in an environment of pandemic and transformation of the industrial sector.

Body: Generalitat de Catalunya

Amount and conditions:

GRANT, up to 20% of the eligible investment with a maximum of €50.000 in aid per project

The entity's main activity is included in one of the CCAE codes detailed in Annex I.

Service companies related to production will also have to prove that the industrial sector represents more than 50% of the turnover.

The minimum amount of the subsidized project must be €50.000 (VAT excluded), be linked to the company's digital transformation project and affect the applicant's production process.

The project will have to be implemented in the production center located in Catalonia.

• Manufacturing projects, control and management of advanced production
• Additive manufacturing projects
• Advanced and collaborative robotics projects
• IIoT projects
• Artificial intelligence projects
• Cyber-physical systems projects
• Virtual reality projects
• Augmented reality projects
• Digital twin projects
• Projects that require computing and quantum simulation techniques
• Projects of physical, logical and administrative cyber security measures
• Photonics for industrial processes of microfabrication and nanofabrication,

Deadline: July 4, 2023 (14:00 p.m.)

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Innovation and sustainability plans in the manufacturing industry

Object: Aid for the implementation of innovation and sustainability plans in the area of ​​the Manufacturing Industry that must be framed in one of the following lines of action:

• Línia 1: Research, Development and Innovation: Industrial research projects, experimental development and innovation projects in terms of organization and processes.
• Línia 2: Innovation in Sustainability and Energy Efficiency.

Organisation: Ministry of Industry, Commerce and Tourism.

Amount and conditions: Companies that develop an industrial activity for at least the 3-year period before the date of the application and that are not part of the public sector.

Nominal loan + subsidy: up to 80% of the financeable budget

Type of projects:

1. Circular economy and eco-innovation applied to the improvement of value chains
2. Decarbonisation, energy efficiency, new sources of renewable energy and reduction of polluting emissions
3. Advanced materials and products.
4. Innovation in quality and safety processes.
5. Innovations in the production process derived from the thematic priority 3.

Terms: June 28, 2023.

Aid line for post-COVID-19 industrial reactivation

Object: Give financial support to the Catalan companies that present patrimonial or treasury fragility as a result of the challenges that can be presented in the current context: the consequences of the Covid-19 pandemic, the increases in the costs of raw materials, the increase in the price and delays of business supplies, the adverse macroeconomic situations, the restrictions of the capital markets and changes in demand trends, among others.

Body: Avança-Generalitat de Catalunya.

Amount and conditions:

It is aimed at those companies in which the impact of the stoppage of activity has had a serious impact on their accounting statements and, given their financial structure, they have difficult access to traditional financing. Industrial companies, which nevertheless have technological and commercial potential and which, with an adequate financial structure, can guarantee their viability in the medium and long term.

Characteristics:

• Minimum amount of 100.000 euros and maximum of 3 million euros.
• Amortization may be linear, progressive or due (bill).
• Minimum term of 1 years and maximum of 8 years.
• Fixed interest rate: 12-month Euribor + a financial margin of between 300 and 500 basis points, to be settled quarterly.
• Opening fee according to the maximum amount of the loan.

Deadline: December 31, 2023.

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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.
• Warranty: 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.

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Subsidies for reindustrialization projects in Catalonia

Object: Two lines:

• Subsidies for reindustrialization projects that contribute to restarting or continuing the activity of production centers subject to closure or relocation, provided that they incorporate at least 50% of the jobs susceptible to reindustrialization or a minimum of 50 jobs of work
• Subsidies for acquisition projects of industrial companies or production services in a situation of difficulty that are either in bankruptcy and/or have communicated this circumstance to the Department of Business and Labor prior to the end of the presentation period of applications for this aid and which incorporate and maintain at least 50% of the affected jobs or a minimum of 10 jobs.

Organisation: Government of Catalonia.

Amount and conditions: Industrial companies and services related to production, established at the time of application, regardless of their legal form, as long as the main activity of the entity requesting aid is included in one of the certain CCAE codes.

Production-related service companies will also have to certify that the industrial sector represents more than 50% of their turnover for the last closed financial year.

Associations, foundations and non-profit organizations are excluded from this line of aid.

Applicants must comply with the requirements following, among others:

• Having a direct impact on the company's results from the effects caused by the aggression in Ukraine by Russia.
• Have at least 50% of the project financed either with own resources or formalized bank financing.
• Have a registered, operative or new establishment in Catalonia.
• Assume a minimum degree of commitment of 25% to incorporate local suppliers in the production process.

The amount of the subsidy is will calculate as follows:

• For fixed assets, up to 20% of the value of the assets.
• For labor costs, up to 50% of the company's gross labor costs for the first 6 months from the date of hiring. The maximum number of jobs that can be subsidized per project will be 50 jobs.

Terms: November 15, 2023 at 14 p.m. (or until the budget runs out)

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Industrial Entrepreneurship Support Program for SMEs

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

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

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.

• Of 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. 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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Help Raise the shutters

Object: Recover economic activity in the city, reopening currently disused premises, on the ground floor, making it easier for entrepreneurs to carry out their activities there. 

Organisation: Mataró City Council.

Amount and conditions: Entrepreneurs who have launched a business project in an empty premises, at the foot of the street in an urban plot in Mataró, between October 1, 2022 and September 30, 2023, can apply for aid. and the owners of the premises where these activities take place.  

The amount of the aid will be:

• For people who own empty premises: aid equivalent to 100% of the IBI amount for the year 2023 up to a maximum of €1.000. The amount paid in terms of ICIO (tax on constructions, installations and works) in the name of the owner and the amount paid for obtaining planning permission for the rehabilitation of the premises to be rented.
• For entrepreneurial people up to a total maximum of €1.500 for the following concepts: for the amount paid to obtain the environmental license or prior communication, the amount paid in terms of ICIO, the amount to obtain the planning permit, the amount of the technician's fees (surveyor, engineer, etc.) for the processing of works and activities (maximum amount €500) and other expenses (maximum amount €500).

Terms: September 30, 2023. Applications will be processed in chronological order of presentation, provided there is sufficient budget credit.

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Support program for emblematic and unique establishments.

Object: Support the maintenance and preservation of businesses with historical value or emblematic establishments. 

Organisation: Government of Catalonia.

Amount and conditions: 

• Any investment expenditure for the maintenance and improvement of establishments will be subsidized. 
• Up to 50% of subsidized expenses with a maximum of 25.000 euros.

Terms: Pending call.

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Support program for the opening of shops and support for the reform and improvement of establishments and support for the stalls of the sedentary and non-sedentary sales markets.  

Object: Stimulate commerce through projects to recover empty premises located in the consolidated urban fabric of the municipality, or in the historic center and its areas. Guarantee the optimal and appropriate commercial mix in each area, increasing its attractiveness and avoiding the breakdown of the commercial continuum by reforming establishments with a degree of antiquity or municipal market stalls.

Adapt retail and service establishments to the new regulations (Royal Decree Law, 14/2022 of 1 August on Energy Saving and Efficiency Measures), with the aim that they have a closing system of automatic doors, in order to prevent them from being permanently open.

Organisation: Government of Catalonia

Amount and conditions: Up to 50% of eligible expenses with a maximum of 5.000,00 euros. The self-employed and retail companies can be beneficiaries services* with establishment at the foot of the street and stalls of sedentary and non-sedentary municipal markets.

*Services: Mechanical workshops. Photographic services, copy shops and graphic arts. Repair services. Dry cleaning and laundries. Hairdresser and beauty salons. Bars, cafes and restaurants. Prepared food and catering services. Retail travel agencies. 

The action subject to subsidy must be carried out effectively during the year 2023.

Terms: Pending call.

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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 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: € 25.000
• Maximum funding: 100%
• Interest rate - Until 31/12/2023: 6,90% 
• Amortization period up to 6 years
• Lack of capital up to 6 months
• No real warranty

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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.
• Warranty: 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.
• Warranty: 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.
• Warranty: 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.
• Condicions: €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.
• Condicions: €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.
• Condicions: €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.

Condicions:

• 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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