Grants and financing

COUPONS ACTION TO THE COMPETITIVENESS OF THE COMPANY

Object:   focus on strategy, start business transformation projects or get started in exporting, among others.

Modalities 

• Growth strategy coupons.
• Green innovation coupons.
• Coupons from European R&D&I programs.
• Internationalization plan coupons.
• Coupons to start exporting.

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Aid for innovative energy saving and efficiency projects

Body: The IDAE has published the call for applications for the INNOVAE program, endowed with 115 million euros in subsidies.

Object : The program is intended for real projects that demonstrate the effectiveness of new technological solutions in the field of energy saving and efficiency.

The 4 help lines

1. Sustainable mobility

• Projects that reduce travel or improve the energy efficiency of transport.
• Minimum savings: 60 toe/year
• Minimum eligible cost: €200.000
• Maximum subsidy: €4,5 million
• Execution: 18 months

2. Industrial sector

• Improvement of industrial processes to reduce final energy consumption through energy efficiency measures.
• Minimum savings: 20% of process consumption
• Minimum eligible cost: €100.000
• Maximum subsidy: €2 million
• Execution: 24 months

3. Renovation of tertiary sector buildings to achieve zero emissions

• Deep renovation of existing buildings in the tertiary sector.
• Minimum savings: 60% primary energy and 20% final energy
• Minimum eligible cost: €1 million
• Maximum subsidy: €3 million
• Execution: 24 months

4. Replacement of large cold generators

• Replacement of mechanical compression refrigeration systems of more than 100 kW.
• Minimum savings: 20% of consumption
• Minimum eligible cost: €100.000
• Maximum subsidy: €2 million
• Execution: 18 months

 Time limit : November 18 at 12:00 p.m.

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INNOVAE Program

The IDAE has published the order of bases of the INNOVAE program, endowed with 115 million euros from the National Energy Efficiency Fund. It is oriented towards real projects that demonstrate the effectiveness of new technological solutions in the field of energy savings and efficiency.

Main features

The program is divided into 4 lines:

1. Sustainable mobility: actions that avoid travel or improve energy efficiency in transport:

2. Industrial sector: improvement of industrial process technology that reduces final energy consumption thanks to energy efficiency.

3. Renovation of tertiary sector buildings to zero emissions: in-depth renovation of existing tertiary sector buildings.

4. Replacement of large cold generators: replacement of mechanical compression refrigeration systems of more than 100 kW.

The submission deadline will be established when the call is published. It is a complex call, so it is important to start preparing applications as soon as possible.

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CDTI Missions Program 2026 

CDTI program to finance cooperative R&D projects aimed at solving major socioeconomic challenges.  

• Development of stable, flexible and resilient energy systems with solid and reliable networks.
• A more efficient, sustainable and resilient aeronautical sector.
• New scientific capabilities against multidrug-resistant microorganisms and other future challenges.
• New capabilities to advance strategic autonomy in security and defense.
• Women's health: biohealth research that reduces gender inequalities in this area.
• Food sovereignty in Spain: a sector oriented towards efficiency, quality, sustainability and food safety.
• Affordable, sustainable and quickly provided housing through industrialized and digitalized construction.

It is expected that the main requirements of the call for applications from previous years will be repeated:

• R&D projects in cooperation with relevant participation of research centers.
• Minimum budgets of €3,5 million.
• Subsidy of up to 70%.

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SME Fund 2026: grants for SMEs to protect their intellectual property rights

Object: The SME Fund is a grant scheme designed to help small and medium-sized enterprises (SMEs) in the EU protect their intellectual property (IP) rights. It is an initiative of the European Commission implemented by the European Union Intellectual Property Office (EUIPO). 

Protecting your IP is essential in the digital age. It is 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, such as trademarks, designs, patents and plant varieties.    

The SME Fund provides financial support to SMEs established in the European Union and Ukraine. The application can be submitted by the business owner, an employee or an authorised external representative acting on their behalf. The grants are awarded in the form of vouchers that beneficiaries can use to claim reimbursement for various intellectual property-related activities. The reimbursement is always transferred directly to the SME's bank account. These activities include trademark, design, patent and plant variety applications, as well as IP Scan services. 

Amount: You can save up to 75% on IP rights applications and up to 90% on an IP Scan, depending on the country or region.

Deadline: 4/12/2026

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ICO-Next Tech Fund

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

Body: MINECO-ICO

Amount and conditions:

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

Who is it for?

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

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Innovation Hotline - CDTI

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

Amount and conditions:

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

Terms: Call open all year.

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CIEN

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

Amount and conditions:

Consortium made up of business groups with the following characteristics:

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

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

Deadline: Open all year.

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Enisa Young entrepreneurs

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

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

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

Terms: Open all year.

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Enisa Entrepreneurs

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

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

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

Terms: Open all year.

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Enisa Growth

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

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

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

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

Terms: Open all year.

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Cervera Transfer Projects

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

Amount and conditions:

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

Deadline: Open all year.

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Horizon Europe #HorizonEU

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

Service of the Generalitat de Catalunya for advice on Horizon EU

More information
 

Horizon EU Calls:

More information
 

Partner Finder:  

Are you looking for partners for your project? 

More information

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

CDTI MULTILATERAL PROJECTS:

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

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

See calls 

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

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

CDTI BILATERAL PROJECTS:

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

UNILATERAL PROJECTS:

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

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ACCIO PARTNER SEARCH SERVICE:

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

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

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

WE RAISE THE BLINDS 

The "We Raise the Blinds" project aims to recover economic activity in the city, reopening premises currently in disuse, on the ground floor and located in urban areas, and making it easier for entrepreneurs to carry out their activities there.

Who can request it?

These grants can be requested by those natural or legal persons who participate in the "Aixequem Persianes" project in some of these cases:

• Owners of empty premises who join the project and rent the premises, meeting 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 increase in rent during the first three years may not be higher than the CPI of Catalonia.

That the natural or legal person who launches the business project in the premises for which the owner requests aid, submits the aid application in the same call and meets all the requirements to be granted it.

Not having a first-degree family relationship with the person who launches the business project in the premises for which the owner is requesting aid.

• Natural or legal persons who launch a business project during this financial year within the "We raise blinds" project, in a street-level location, in a street-level location, open to the public and located in an urban area, and who meet the following conditions:

The following projects may be eligible for these grants:

• Projects that initiate a commercial and/or service activity (entrepreneurs)
• The transfer of an existing activity from one location to another, when the transfer is made from a location located on an upper floor to another that is open to the public, at street level and located in an urban area.
• The opening of a new establishment for an existing activity in Mataró
• The commercial and/or service activity must be carried out in the city of Mataró, in a premises open to the public and at street level.
• That these are not administrative license concessions.
• The start date of the activity must be between October 1, 2025 and September 30, 2026.

Deadline: September 30, 2026

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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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DISRUPTIVE INNOVATION PROJECT ACCELERATION PROGRAM

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

Organisation : ACTION 

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

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WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

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

Body: Ministry of Economic Affairs and Digital Transformation, MINECONISA

Amount and conditions:

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

Conditions:

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

Requirements:

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

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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 to support the development of video game prototypes

Object: support the development of video game prototypes, with the aim of strengthening the sector's capacity to produce quality projects, with a projection in various international markets, and to increase the possibilities of obtaining financing for their development.

A prototype is understood to be the first functional version of a new, original and unpublished video game that contains the main characteristics of the projected final product (including character design, narrative, sound, music, user interface, programming, etc.) and that allows its quality, dynamics and mechanics to be evaluated.

Organisation. Generalitat Catalonia

Deadline: September 22, 2026 at 14:00 p.m.

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COUPONS ACTION TO THE COMPETITIVENESS OF THE COMPANY

Object: focus on strategy, start business transformation projects or get started in exporting, among others.

Modalities 

• Growth strategy coupons.
• Green innovation coupons.
• Coupons from European R&D&I programs.
• Internationalization plan coupons.
• Coupons to start exporting.

More information 

AID FOR HIGH-IMPACT BUSINESS INVESTMENTS

Object:

ACCIÓ has published the call for applications for the high-impact business investment aid program. These are subsidies for business investments that aim to contribute to strengthening a diversified and dynamic business economy, promoting the attraction of investments and the generation of stable, quality employment.

Amount and conditions: 

 The subsidies are up to €1 million for job creation projects and €2 million for high-impact business investment projects in fixed assets. 

Project types: 

High-impact business investment projects for job creation within the following actions: 

·Service Centers in the field of information and communications technologies: (minimum creation of 25 jobs).

·Supranational decision-making centers: (minimum creation of 15 jobs).

·Industrial projects: (creation of minimum 15 jobs).

·Strategic projects for the Catalan economy that are intensive in job creation: (minimum creation of 50 jobs). 

·R&D&I centers: (minimum creation of 8 jobs)

High-impact business investment projects in fixed assets within the following actions: 

·Incorporation of a new activity for the company in Catalonia or an expansion of production capacity (minimum investment of €3 million in tangible and intangible fixed assets). 

·R&D&I centers: (minimum expenditure of €500 in tangible and intangible fixed assets).

·Strategic projects for the Catalan economy that involve the establishment of new companies in Catalonia or the opening of new locations for existing companies (minimum expenditure on productive fixed assets of €15 million and minimum creation of 15 jobs). Logistics centers or distribution centers are excluded.

Terms: September 15, 2026 at 14:00 p.m.

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FAIIP Fund: Support for Productive Industrial Investment

The Productive Industrial Investment Support Fund (FAIIP) FCPJ, promoted by the Ministry of Industry and Tourism and managed by the public company SEPIDES, aims to provide repayable financial support to promote industrial investments that contribute to promoting the development, competitiveness and industrial capacities of the industrial sector in our country.

Endowed with 1.927,9 million euros for investment, the FAIIP finances private and cooperative commercial companies that develop or plan to develop a productive industrial activity and industrial services, regardless of their size, supporting actions aimed at environmental sustainability and Connected Industry 4.0.

The applicable interest rates are updated periodically in accordance with the methodology for determining FAIIP prices.

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ICF tariff-subsidized loan line with preferential conditions for companies affected by the trade policy of the United States of America and by economic situations arising from global geopolitical tensions or crises

The ICF offers financing with preferential conditions for companies affected by US tariffs and the impact of geopolitical tensions or crises.

Main conditions:

• Loans for inversions: from €100.000 to €2 million, up to 15 years term.
• Loans for circulant: from €100.000 to €500.000, up to 5 years term.
• Subsidized interest to reduce the financial cost.
• Directed to SMEs and companies directly or indirectly affected due to the international situation.
• Financing intended to adapt, strengthen and provide continuity to business activity.

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Microcredits for women entrepreneurs

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

Catering and Trade Financing (ICF AVALIS)

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

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

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 ICO MRR Line Companies and Entrepreneurs 

Loan conditions: 

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

For whom: 

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

What is financed: 

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

Where to apply for financing: 

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

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

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ICO Line Commercial credit

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

Amount and conditions:

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

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ICO International Line

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

Amount and conditions:

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

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Microcredit Business Microbank with social impact

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

Amount and conditions:

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

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Microcredit Innovation Microbank

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

Amount and conditions: 

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

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ICF Eurocredit

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

Amount and conditions:

Loans to short term:

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

Loans to long term:

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

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ICF-Avalis loan for SMEs and the self-employed

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

Amount and conditions:

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

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

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

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ICF EUROCREDIT

Object: Are you planning to invest in new machinery, expand facilities or open new markets?

With ICF Eurocrèdit you can access a loan designed to support your growth plans with financial stability and conditions adapted to the reality of your company.

This line of financing for SMEs in Catalonia allows you to promote strategic projects with long terms and advantageous conditions thanks to the co-financing of the European Regional Development Fund (ERDF) of the European Union; which aims to invest in growth and employment.

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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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Microbank Innovation Loan with social impact

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 Maximum gap.

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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 Maximum grace period.

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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 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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EIF InvestEU Innovation and Digitalisation Line (CaixaBank)

The European Investment Fund (EIF) has signed this Guarantee Agreement, Risk Sharing Instrument, with CaixaBank, with the aim of facilitating access to financing under more favorable conditions for those self-employed, SMEs and small mid-cap companies focused on R&D.

Main features:

• Maximum amount: €7,5 million. The amount granted to a project is always subject to risk approval.
• Product types: Personal loan and loan for provisions.
• Minimum term: 12 months.
• Maximum term: 10 years, with the possibility of up to 2 years of grace, subject to risk approval.
• Liquidation: monthly, quarterly, semi-annual or annual.

Commissions:

• Opening: 0%.
• Cancellation and amortization: 1%.

Interest rate: fixed or variable, subject to price approval.

For an operation to be eligible under the EIF InvestEU Innovation and Digitalisation line, the applicant must meet at least one innovation criterion established in the agreement.

More information:

CaixaBank – DayOne – Technology Companies and Investors: miquel.manzano@caixabank.com

Microcredit EARLY STAGE (CaixaBank)

Who is it for?

Companies that develop innovative projects within the Start-ups business segment in the "seed" phase, with a minimum formalized financing round of €100.000, a validated business model and an initial turnover.

Requirements

So that the company can access financing:

• Entrepreneur with a track record recognized.
• Validated business model, with billing and scalability capacity.
• Support from an investor or accelerator.
• Minimum financing round of €100.000.
• Runway¹ Minimum available period of 18 months (loan without grace period) and 24 months (loan with grace period).
• Up to 9 employees and 2 M€ maximum annual turnover.
• Company with a maximum age of 3 years.

¹Runway: calculates for how many months fixed expenses can be covered with equity, cash and financing under study.

Purpose:

Technological business projects with an innovative and disruptive nature. Allows financing of both investments and working capital (financing between rounds, etc.).

Excluded sectors:

Not engage in any of the sectors restricted by the FEI (production and marketing of weapons, human cloning, tobacco, production of distilled alcohol and gambling, among others).

Financing conditions

• Amount: up to €50.000. 100% of the investment cost is financed.
• Deadline: up to 36 months, including 6 months of optional grace period.
• Warranty: personal guarantee without real guarantee.

More information:

CaixaBank – DayOne – Technology Companies and Investors: miquel.manzano@caixabank.com

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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