Grants and financing (Mirror)

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.)

More information

NEOTEC

Object: Subsidies for the launch of new business projects, which require the use of technologies or knowledge developed from the own research activity and in which the business strategy is based on the development of technology.

Body: CDTI

Amount and conditions:

• Maximum subsidy of 70% (max. €250k) or 85% (max. €325k) in case of hiring a doctor.
• For small companies established between 10/05/2021 and 10/11/2023.
• Fundable period from 01/01/2025, and can end on 31/12/2025, in annual projects, or 31/12/2026, if it is biannual.
• Minimum registered share capital of €20k.
• Minimum project budget: 175k

Deadline: May 10, 2024

More information 

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

More information

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: open call soon

More information 

Green R&D cores in the circular economy, in the field of waste

Object: The Business R&D Centers in the Circular Economy are an opportunity to develop new research and development projects related to waste with the aim of starting new processes in the company or improving existing ones based on innovations technological

Body: Generalitat Catalonia

Amount and conditions: grants of up to 250.000 euros to develop projects in the production process of the applicant company or to implement to a third party.

The grants are directed to companies individually or in cooperation with other local companies, international partners or TECNIO accredited agents. The minimum budget of the projects must be 120.000 euros.

Deadline: open call soon

More information

ICO-Next Tech Fund

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

Body: MINECO-ICO

Amount and conditions:

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

Who is it for?

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

More information

PID - CDTI project grants

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

Amount and conditions:

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

Terms: Call open all year.

More information

Innovation Hotline - CDTI

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

Amount and conditions:

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

Terms: Call open all year.

More information

CIEN

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

Amount and conditions:

Consortium made up of business groups with the following characteristics:

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

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

Deadline: Open all year.

More information

Enisa Young entrepreneurs

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

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

• Innovative business projects driven by young people up to 40 years old.
• The interest rate will be applied in two tranches: First tranche: Euribor + 3,25%. Second tranche: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 6 %, according to the rating (rating) of the operation.
• Opening commission: 0,5%.
• Maturity: maximum, 7 years.
• Lack of principal: maximum, 5 years.

Terms: Open all year.

More information

Enisa Entrepreneurs

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

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

• No age limit.
• The interest rate will be applied in two tranches: - First tranche: Euribor + 3,75%. Second tranche: variable interest depending on the financial profitability of the company, with a maximum limit set between 3% and 6%, according to the rating (rating) of the operation.
• Opening commission: 0,5%.
• Maturity: maximum, 7 years.
• Lack of principal: maximum, 5 years.

Terms: Open all year.

More information

Enisa Growth

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

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

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

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

Terms: Open all year.

More information

Cervera Transfer Projects

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

Amount and conditions:

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

Deadline: Open all year.

More information

Horizon Europe #HorizonEU

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

Service of the Generalitat de Catalunya for advice on Horizon EU

More information
 

Horizon EU Calls:

More information
 

Partner Finder:  

Are you looking for partners for your project? 

More information

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

CDTI MULTILATERAL PROJECTS:

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

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

See calls 

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

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

CDTI BILATERAL PROJECTS:

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

UNILATERAL PROJECTS:

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

More information

ACCIO PARTNER SEARCH SERVICE:

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

More information

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

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

Check open tenders in Public Procurement of Innovation.

Discover outstanding tenders in Innovation Public Procurement

Subsidies to encourage self-employment of young people (Youth Guarantee)

Object: grant of a fixed amount for each young person who starts and maintains an economic or professional activity as a self-employed person for a minimum of 18 uninterrupted months, with the aim of supporting young people when they start , with the necessary solidity to consolidate a business project or a business plan as a freelancer in the long term.

Body: 

 Amount and conditions: 

a) Be registered in the Youth Guarantee program register, in Registered Beneficiary status, the day before the start date of your activity as a self-employed worker.

c) Having started the economic or professional activity as self-employed within the temporary scope established by the resolution of the call and, at least, on the same day of submitting the application for these grants.

c) Within the eligible period of the grant, the beneficiary must take advantage of an action of a training or support nature that contributes to improving the management of his business or that is directly related to the economic or professional activity carried out by , at least 6 hours long.

d) Prepare a business plan that supports the decision to start an economic or professional activity as a freelancer and shows the solidity of the project started, in accordance with what is established in the call resolution.

Term: PENDING CALL 

More information

Tax rebates for opening an activity for unemployed people

Object: Aid for the promotion of economic activity in Mataró

Body: City of Mataró

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

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

More information

Allowances for Social Security contributions for the self-employed

Object: Encourage the creation of businesses with the bonus to Social Security contributions for the self-employed.

Amount and conditions:

During the period 2023-2025, people who cause initial discharge in Self-employed regime they can request the application of one reduced fee (flat rate) of 80 euros per month during the first 12 months of activity. The request will be made at the time of registration.

They can benefit from these conditions independent people who have not been registered in the two years immediately preceding the default date of the new registration, or three years, in the event of having previously enjoyed this deduction.

After these first twelve months, a reduced fee can also be applied during the following twelve months, to self-employed workers that anticipate that their annual net economic returns will be lower than the minimum annual interprofessional salary that corresponds to this period and thus request it from the service that will be enabled at Importass.

In addition, self-employed people with a disability equal to or greater than 33%, victim of gender violence or victim of terrorism, they can request the application, at the time of registration, of a reduced fee of 80 euros during the first 24 months.

Likewise, at the end of this period, if its expected net return is equal to or lower than Interprofessional Minimum Wage, they will be able to request, through the service that will be enabled in Importass, the application of this reduced fee during the following 36 months, for an amount of 160 euros.

All requests for extension must be accompanied by a relative statement that the net returns expected to be obtained will be less than the current professional minimum wage.

The reductions in the contributions provided for in the previous paragraphs are not applicable to relatives of self-employed workers by consanguinity or affinity up to the second degree inclusively and, where applicable, by adoption, who join the Special Regime of the Social Security of Self-Employed Workers or self-employed.

Self-employed workers who enjoy these benefits may at any time expressly renounce their application with effect from the first day of the month following the communication of the corresponding resignation. This request can also be made through the service that will be enabled in Importass.

Self-employed workers who on December 31, 2022 were beneficiaries of the old flat rate will continue to enjoy it, until the maximum period established expires, under the same conditions.

Deadline: The whole year.

More information 

StartupCapital

Object: direct aid for technology startups emerging that need financing to carry out the initial stages of the business, develop your product or service and validate the business model to reach the market.

Amount and conditions:

- Direct aid of up to 100.000 euros for recently created technology startups. At a loss and does not need guarantees 

- The aid must be used to finance actions derived from the execution of the business plan, from the administration and management of company operations to the development and marketing of products and services.

- Personnel, investment in materials and equipment, space rental, development of communication strategies, among others, are justifiable expenses.

- The Aid is competitive.

- The total prior funding received by the startup (in all forms) up to the date of the application must be less than €250.000.

- A maximum amount of €99.000 is awarded and €1.000 for the advice of a Mentor accredited by ACCIÓ.

- The intensity of the aid will be 75% of the eligible cost, with a maximum of €99.000 per project.

- The minimum accepted subsidized cost must be €135.000.

- The beneficiary startup will receive an advance of 80% of the aid granted automatically, without the need for guarantees.

- Candidate companies must have a digital certificate.

- The actions financed with the Startup Capital grant can be carried out for 24 months from the end of the call, with no possibility of extension.

Deadline: April 30, 2024

More information

NEOTEC

Object: Subsidies for the launch of new business projects, which require the use of technologies or knowledge developed from the own research activity and in which the business strategy is based on the development of technology.

Body: CDTI

Amount and conditions:

• Maximum subsidy of 70% (max. €250k) or 85% (max. €325k) in case of hiring a doctor.
• For small companies established between 10/05/2021 and 10/11/2023.
• Fundable period from 01/01/2025, and can end on 31/12/2025, in annual projects, or 31/12/2026, if it is biannual.
• Minimum registered share capital of €20k.
• Minimum project budget: 175k

Deadline: 10 May 2024

More information 

Mind the Gap

Object: impetus to biotechnological entrepreneurship to enable technologies with commercial potential, developed by Spanish scientific institutions, to reach the market to generate social and economic development. Its aim is to bridge the gap that separates science from business and society.

Organisation: Fundación Botín

Amount and Conditions:

The Mind the Gap program selects incipient business projects based on life sciences technology generated in Spanish research institutions, to which it provides:

• Financial investment, up to €500.000 per project, for a maximum period of two years.
• Accompaniment, through the incorporation of an expert advisor appointed by the Botín Foundation, who will provide guidance and support to the entrepreneurial team in those critical aspects to turn the projects arising in the academic field into viable business initiatives.

Deadline: April 16

More information

WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

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

Body: Ministry of Economic Affairs and Digital Transformation, MINECONISA

Amount and conditions:

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

Conditions:

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

Requirements:

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

More information

.

Productive investments

Object: Financing industrial investment projects for new production plants or investments in better or new production processes that involve the maintenance and/or net increase of jobs.

Body: 

Amount and conditions:

• Minimum investment: €100.000 (micro, small and medium-sized companies)

• Minimum investment: €1.000.000 (large companies)

Beneficiaries: Industrial companies with operational headquarters in Catalonia or new establishment in Catalonia and have the financing of the project secured by at least 50% with own resources, formalized bank financing or capital contributions from third parties.

Fundable concepts: 

a. Production process machinery or components that are directly part of a production line. 

b. Production process engineering directly associated with the investments in point a).

c. Software associated with the productive investments of point a). Software isolated from machinery or production process that is not the subject of the subsidized project will not be subsidized.

d. Necessary facilities and civil works for the fine-tuning of the machinery or for the improvement or new productive process of the investments in point a). Up to a maximum of 20% of the amount of point a).

e. Subcontracting (up to 50% of the amount of the subsidized activity).

• GRANT up to 20% of the eligible investment with a maximum of €500.000/project.
• Advance of 100% of the amount granted, for this, guarantees of 50% of the advance are required.

Deadline: April 18, 2024 (14:00 p.m.)

More information 

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.)

More information 

Comprehensive action aid for the decarbonisation of the manufacturing industry

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

Body: Ministry of Industry and Tourism.

Amount and conditions: 

The following may be beneficiaries of the aid: 

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

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

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

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

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

Deadline:  April 17, 2024 

More information

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

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

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

Organisation: Catalan Institute of Finance

Amount and conditions: Loan conditions:

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

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

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

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

Terms: December 30, 2024.

More information 

Industrial Entrepreneurship Support Program for SMEs

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

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

Amount and conditions:

For SMEs with the following Economic Activities:

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

Interest and commissions on loans granted with SGRs are subsidized.

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

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

More information

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.

More information

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.

More information

Subsidies for consulting for companies or cultural entities

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

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

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

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

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

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

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

Body: Generalitat de Catalunya

Deadline: March 25, 2024

More information

.

Subsidy Bookstores

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

Body: Generalitat de Catalunya

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

Terms: March 5, 2024

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.

More information

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.

More information

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.

More information

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.

More information

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

More information

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)

More information

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.

More information

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.

More information

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.

More information

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.

More information

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.

More information

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.

More information

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

More information

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

More information

WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

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

Body: Ministry of Economic Affairs and Digital Transformation, MINECO-ENISA.

Amount and conditions:

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

conditions:

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

Requirements:

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

More information

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.

More information

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.

More information

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.

More information

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.

More information

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.

More information

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.

More information