Grants and financing

Industrial Doctorates

Object: Aid for the development of Industrial Doctorate (DI) projects 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 technology center where the doctoral student must complete research training, which must lead to a doctoral thesis.

Amount and conditions: 

Two forms of DI are considered:

• DI Cofinançats (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): If the entity representing the academic environment hires, there must be a transfer of resources from the business entity to cover the recruitment costs. This modality will be chosen when:

o The company cannot assume the direct recruitment of the PhD student/and in accordance with the academic environment compensate the labor costs of the recruitment.

o 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.

o The work center of the business environment is located outside Catalonia.

o Other unforeseen cases of special interest arise that, duly justified, can be considered by the selection committee.

Minimum gross remuneration of €22.000 on average per year and the corresponding employers' fees.

Submission deadline

• 1st call: March 12 – April 16, 2024 (14:00 p.m.) (80% of the call budget)

• 2nd call: April 17 – June 11, 2024

• 3rd call: June 12 – October 8, 2024

• 4th call: October 9 – December 10, 2024 (14:00 p.m.)

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ACCIÓ coupons for European programs and R+D+I

Object: access calls for European research and innovation grants in a collaborative manner. An opportunity to realize your projects through programs such as Horizon Europe, Life or Digital Europe Programme, among others.

Amount and conditions: 

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.

Maximum aid: 12.000 euros.

The subcontracting of ACCIÓ Coupons for European and R+D+I programs must be done through one of these suppliers accredited by ACCIÓ.

Deadline: November 15, 2024 or until funds are exhausted

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Coupons ACCIÓ on industrial and intellectual property

Object: help the company to protect its innovative knowledge by carrying out studies that allow it to be exploited and to have official records of industrial property.

Amount and conditions: The actions included have to do with technical services related to the drafting of patents, utility models, industrial designs, freedom of operation studies, patentability studies, as well as management and registration of European brands.

Maximum aid: 3.000 euros.

The subcontracting of ACCIÓ Coupons for European and R+D+I programs must be done through one of these suppliers accredited by ACCIÓ.

Deadline: November 15, 2024 or until funds are exhausted 

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Fund SME Ideas Powered for Business

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

Organisation: EU

conditions : 

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

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

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

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

Terms: 06/12/2024

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Green R&D centers in climate change

Object: help companies carry out R&D projects to solve and improve the effects of the climate emergency.

Body: Generalitat de Catalunya

Amount and conditions: The maximum grant from this line will be up to 250.000 euros for projects related to the reduction of greenhouse gas emissions: the development of sustainable materials, improvements in the water cycle, advancing renewable energies or implement sustainable mobility initiatives, among others.

The grants go to projects with a minimum budget of 120.000 euros

Deadline: October 8, 2024

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ICO-Next Tech Fund

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

Body: MINECO-ICO

Amount and conditions:

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

Who is it for?

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

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PID - CDTI project grants

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

Amount and conditions:

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

Terms: Call open all year.

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Innovation Hotline - CDTI

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

Amount and conditions:

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

Terms: Call open all year.

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CIEN

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

Amount and conditions:

Consortium made up of business groups with the following characteristics:

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

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

Deadline: Open all year.

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Enisa Young entrepreneurs

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

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

• Innovative business projects driven by young people up to 40 years old.
• The interest rate will be applied in two 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

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Horizon EU Calls:

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Partner Finder:  

Are you looking for partners for your project? 

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

CDTI MULTILATERAL PROJECTS:

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

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

See calls 

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

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

CDTI BILATERAL PROJECTS:

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

UNILATERAL PROJECTS:

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

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ACCIO PARTNER SEARCH SERVICE:

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

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

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

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We raise blinds - Mataró

Object: Recovering economic activity in the city, reopening premises that are currently disused, on the ground floor and located in the urban plot, and making it easier for entrepreneurs to carry out their activity there.

Body: City of Mataró

Amount and conditions:

They can request these grants: 

• Owners of empty premises who join the project and rent the premises, while complying with the following conditions:
• The rental price must be at least 25% below the average rental price on the street or in the reference area.
• The annual rent increase during the first three years cannot be higher than the IPC of Catalonia.
• That the natural or legal person who starts the business project in the premises for which the owner is applying for aid, submits the application for aid in the same call and meets all the requirements for be granted
• Not have a first-degree relationship with the person who sets up the business project in the premises for which the owner is applying for aid.

• Natural or legal persons who set up a business project during this financial year in a premises at the foot of the street, in a premises at the foot of the street, open to the public and located in an urban plot, and that meet the following conditions:
• Projects that initiate a commercial and/or service activity (entrepreneurs)
• The transfer of an already existing activity, from one premises to another, when the transfer is made from a premises located on the upper floor to another that is, open to the public, at the foot of the street and located in an urban plot .
• The opening of a new establishment for an already existing activity in Mataró
• The commercial and/or service activity must be carried out in the city of Mataró, in a place open to the public and at the foot of the street.
• That these are not concessions of administrative licenses

The start date of the activity must be between October 1, 2023 and September 30, 2024.

In all cases they must be aware of their tax obligations with the City Council and the other administrations.

People affected by the prohibitions contained in article 13 of Law 38/2003, of November 17, General on Subsidies, cannot be beneficiaries of these subsidies.

• In the case of the owners of the empty premises attached to the project: maximum of €1.000.
• In the case of entrepreneurs who start an economic activity in one of the empty premises attached to the project: maximum €1.500 

 Consult the eligible expenses

Terms: October 14, 2024

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Tax rebates for opening an activity for unemployed people

Object: Aid for the promotion of economic activity in Mataró

Body: City of Mataró

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

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

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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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New business opportunities 

Object:

The realization of projects for new business opportunities, consisting of:

1. Business projects of strategic change, consisting of the realization of a business plan for a new opportunity for the company.

2. Structural change business projects, consisting of the implementation of the actions defined in the previous business plan.

3. Talent acquisition business projects, consisting of the net creation of qualified jobs in the municipalities of the nuclear transition zones as established in Annex 4 of the Regulatory Bases

Body: Generalitat de Catalunya

New deadline: 16/10/2024 14:00 h - Previous deadline: 21/06/2024

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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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START-UP CAPITAL COINVERSION

Object: financial support for Deep Tech start-ups in Catalonia that contribute to the sustainable development objectives (ODS). Deep Tech emerging companies are those companies with their own, solid and demonstrable technological and scientific base, with transformative solutions to global challenges and that help achieve the ODS. It includes innovations in biology, chemistry, physics, mathematics, engineering, machinery and programming, based on new scientific knowledge and cutting-edge technological advances, and involves a high technological and market risk.

Amount and conditions:

- That they are constituted at least with one of the following legal forms: SRL or SA

- That they have been constituted at least 6 months before 23.04.2024 and at most 36 months before the date of presentation of the project to the call

- That the company's founding team is made up of entrepreneurs with a minimum individual stake of 10% and that they have the majority of the company's capital (51%)

          - Having formalized a round of financing from private investors or venture capital funds, through a capital instrument and/or participatory loan and/or convertible note, disbursed in the 6 months prior to the date of submission of the application legality of the aid.

          - Consult the rest of the conditions in the call

Maximum aid of 250.000 in the form of a loan with a non-refundable part (20%)

Terms : 7 November 2024

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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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New business opportunities 

Object:

The realization of projects for new business opportunities, consisting of:

1. Business projects of strategic change, consisting of the realization of a business plan for a new opportunity for the company.

2. Structural change business projects, consisting of the implementation of the actions defined in the previous business plan.

3. Talent acquisition business projects, consisting of the net creation of qualified jobs in the municipalities of the nuclear transition zones as established in Annex 4 of the Regulatory Bases

Body: Generalitat de Catalunya

New deadline: 16/10/2024 14:00 h - Previous deadline: 21/06/2024

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Grants for Green 2024 technological innovation projects 

Object: promote innovation projects that encourage the green technological transformation of Catalan companies aimed at mitigating and/or adapting to climate change.

Body: Generalitat de Catalunya

Amount and conditions: 

Aimed at small and medium-sized industrial or service companies that have an operational establishment in Catalonia and, at least, two years of life at the date of the grant application, counted from the date of establishment of the company .

Subsidized expenses will be those that are part of the actions provided for in

the technical report of request and necessary for the technical project, and specifically:

• Expenses of technical staff hired by the applicant company and dedicated to the project.
• Expenses of external collaborations/subcontracting necessary for the project.

The total of the expenses of the item of external collaborations cannot be exceeded

70% of the total eligible expenditure accepted.

• Acquisition of equipment necessary for the execution of the project. only is

consider subsidized the new fixed assets necessary for the execution of the

project

• Other software acquisition costs or software use licenses necessary for

to the realization of the project.

• Cost of carrying out, by an auditor, the report justifying the subsidized action. The maximum subsidized cost accepted for this concept will be €1.500.

The minimum eligible budget for the project must be 40.000. The intensity of the aid will be a maximum of 75% of the eligible expenditure accepted, with a maximum aid of €90.000

Deadline: October 7, 2024.

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Subsidies for the promotion of the circular economy in the plastic sector 

Object: to support the execution of projects that contribute substantially to improving the sustainability and circularity of the plastic industrial and business processes, improving the competitiveness and innovation of the industrial fabric within the framework of a circular economy.

Body: The Ministry for Ecological Transition and the Demographic Challenge, through the Biodiversity Foundation

Amount and conditions: 

Actions that reduce the consumption of virgin raw materials, reduce the generation of waste and/or improve waste management, contributing substantially to the transition towards a circular economy in one of the following categories, will be subsidized: 

• Research & Development 
• Digitization to innovate in terms of processes and organization 
• Increase in the level of environmental protection of the beneficiary entity receiving the aid 
• Improvement of the management of waste from third parties

Main features:

• Maximum subsidy of €10 million, minimum of €100 per project and entity.

• Up to 60% of eligible costs.

• For feasibility studies and digitization projects: maximum €5 million.

• The payment can be made in one lump sum or in installments, if an advance has been requested.

• It is possible to request an advance of up to 80% of the subsidy granted.

Time limit : September 23, 2024

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Coupons ACTION to the strategy for industrial companies

Object: accompany the key people of a company to carry out a process of reflection on the organization's business and innovation model and 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.Services must be subcontracted through one of these suppliers accredited by ACCIÓ

Maximum aid: 8.000 euros.

Deadline: 15th November 2024 or until funds run out.

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Coupons ACTION Green

Object: 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 may be related to the use of technologies for the preservation of the natural environment; to improve the efficiency of the use of water and other resources; for a more sustainable production of food and new materials; to move towards the decarbonisation of the economy or for a more efficient management of manufacturing processes, among others.

Services must be subcontracted through one of these suppliers accredited by ACCIÓ

Maximum aid: 8.000 euros.

Deadline: 15th November 2024 or until funds run out

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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

Support for reindustrialization projects

Object: Support for reindustrialization projects and maintenance of industrial activity in a difficult situation in Catalonia

Organism: Action

Amount and conditions: 

- Reindustrialization projects that contribute to restarting or continuing the activity of production centers subject to closure or relocation. Reindustrialization projects must maintain or recover a minimum of 20 jobs.

GRANT of up to €2.250.000

- Fixed assets: up to 25% of the value of the productive fixed assets of the purchase of the production center subject to closure or relocation, and the necessary investments for the adaptation of the spaces and the resumption of activity (VAT excluded).

- Labor costs: €7.500 for each job that is maintained.

- Maintenance of industrial activity in difficult situations.Projects for the acquisition of industrial companies in bankruptcy or in difficulty and that, in all cases, have communicated this circumstance to the Department of Business and Labor in advance of the end of the application submission period. They will have to maintain a minimum of 10 jobs or at least 50% of the jobs affected and likely to be incorporated into industrial activity.

GRANT of up to €350.000

- Fixed assets: up to 30% of the value of the productive fixed assets of the purchase of the productive unit (VAT excluded).

- Labor costs: €7.500 for each job that is taken over from the production unit that is acquired.

Deadline: October 1, 2024 (14:00 p.m.)

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Industrial Entrepreneurship Support Program for SMEs

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

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

Amount and conditions:

For SMEs with the following Economic Activities:

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

Interest and commissions on loans granted with SGRs are subsidized.

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

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

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New Productive Industrial Investment Support Fund (FAIIP)

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

Body: Ministry of Industry, Commerce and Tourism.

Amount and conditions:

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

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

c) Minimum budget of €200.000

d) Type of financing:

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

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

Deadline: Applications may be submitted until funds are exhausted.

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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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Aid to support the opening, reform and improvement of establishments, including municipal market stalls. This year it is also planned to support improvements to optimize the use of water in establishments.

 Object: 

Stimulate trade 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 break of the commercial continuum through the reform of establishments with a degree of antiquity.

Revitalize and modernize sedentary municipal markets, by supporting the opening of closed stalls, and the reform of stalls with a degree of antiquity.

To support non-sedentary sales markets, with the aim of improving their competitiveness, modernizing them and improving their image. And support the purchase of scales.

Support the adaptation of retail establishments, services and municipal market stalls to the new regulations that seek to optimize the use of water in the current drought emergency scenario.

Amount and conditions 

- Scope 1. Recovery of empty premises: expenses derived from the purchase, lease or administrative concession of premises and the expansion of the sales area by annexing a new premises.

- Area 2. Reform of establishments: expenses derived from the reform or improvement of commercial establishments, services and stalls in sedentary municipal markets. 

- Scope 3. Market stalls for non-sedentary sales: expenses derived from the reform or improvement of non-sedentary market stalls, including shop trucks.

- Scope 4. Adaptation of commercial and service establishments, and municipal market stalls for the optimization of water use: expenses derived from the adaptation of commercial and service establishments, and municipal market stalls, to comply with the new regulations that seek to optimize the use of water in the current drought emergency scenario.

The subsidy covers up to 50% of eligible expenses with a maximum of €5.000. In scope 4, the maximum is €3.000.

Deadline: 2024 until the budget is exhausted with a maximum limit of 31 December 2024.

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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: € 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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