Grants and financing (Mirror)

RESEARCH Program

Object: Grant of two-year grants for the recruitment of young people seeking employment in carrying out research and innovation initiatives. It will be possible to hire researchers, technologists, technical staff and other professional profiles in R+D+i, as well as, where appropriate, research support staff excluding in any case administrative support work.

Organisation: Government of Catalonia.

Quantity and conditions: Aimed at various bodies and universities that do R+D+i, but also companies.

• Candidates must be above 16 years and below 30 years
• Being unemployed and registered as job seekers with the public employment service of Catalonia.
• Not having carried out any type of research activity at the same entity, company or group of companies in the 6 months immediately preceding the start of the contract.

The aid to cover gross salary and social security expenses will be €33.108,92/year.

Deadline:​​​​​​​​ From January 12 to 25, 2023 (14:00 p.m.).

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QUEVEDO TOWERS

Object: Promote the incorporation of doctors in companies and technology centers.

Quantity and conditions:

• Subsidies from 25% to 70% of the annual salary cost for 3 years.
• Maximum subsidized annual recruitment cost €55.000.
• The hiring must be after February 23, 2022 and before 20 days after the concession resolution.
• Doctors must devote 100% of their time to the development of an R&D project for 3 years.
• Formalize an indefinite and full-time contract.

Deadline:​​​​​​ From January 31 to February 21, 2023.

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Projects to promote the Circular Economy

Object: Foment of projects to accelerate the transition towards a circular economy in Catalonia, improve efficiency in the use of material resources and decouple global economic development from resource consumption.

Organisation: Government of Catalonia.

Amount and conditions: Class A, B or C projects related to material resources and waste other than water, energy and atmospheric emissions defined below can be subject to the subsidies regulated in these bases:

• Class A. Implementation projects in the market of new products or services in the following categories:

1. Ecodesign of products or services that promote greater efficiency of material resources other than water and energy with an improvement in environmental benefits and a reduction in environmental impact throughout their life cycle.
2. New business models that promote resource efficiency (servitization, collaborative economy, etc.)
3. Reuse, preparation for reuse, maintenance and repair of products and other ways to extend the useful life of products and their components. Food utilization
4. Return services of used products promoted by the distributor or manufacturer of these products with the purpose of reusing them, remanufacturing them or recycling them (take-back schemes).
5. Remanufacturing
6. Industrial symbiosis that promotes the efficiency of material resources other than water and energy.

• class B. Projects to obtain and test prototypes or demonstration projects of new products or services, from the following categories:

1. Ecodesign of products or services that promote greater efficiency of material resources other than water and energy with an improvement in environmental benefits and a reduction in environmental impact throughout their life cycle.
2. New business models that favor the efficiency of resources (servitization, collaborative economy, etc.).
3. Reuse, preparation for reuse, maintenance and repair of products and other ways to extend the useful life of products and their components. Food utilization
4. Return services of used products promoted by the distributor or manufacturer of these products with the purpose of reusing them, remanufacturing them or recycling them (take-back schemes).
5. Remanufacturing
6. Industrial symbiosis that promotes the efficiency of material resources other than water and energy.

• Class C. Sectoral studies with communication actions for business or trade union associations: Projects that include the preparation of studies on the potential of the circular economy, either at the sectoral or territorial level, are considered within this class. and the resulting communication actions (campaigns, conferences, etc.).

The classes are mutually exclusive. The same project cannot be a combination of classes A, B or C.

The amount of the aid is a maximum of 75% of the expenses subject to the aid for micro-enterprises and SMEs, or 50% if the beneficiary company is not a micro-enterprise or an SME. The amount is a maximum of 60.000 euros per project in the case of class A or B projects, and of 30.000 euros per project for Class C projects.

Terms: February 15, 2023.

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UNICO SECTORAL 5G program

Object: Promote experimental development projects that develop applications and services based on the framework of 5G technology that achieve the digital transformation of an economic sector. It is intended to promote a productive fabric that thinks, creates and designs applications and services that take advantage of this technology, exercising a role as a driver and demonstrator for the specific application sector, and thus strengthening the role of Spain as one of the driving poles of digitization through the application of 5G technology throughout the EU.

Amount and conditions: Characteristics of the projects:

• Individuals or in cooperation (maximum of three entities).
• The developed 5G applications and services can be deployed on private, self-service, public or mixed networks.
• Projects must start from TRL 5 or 6 technological maturity level.

Budgets: minimum project €1M and maximum €15M

Deadline: From February 13 to March 3, 2023 (13:00 p.m.).

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CHALLENGES - COLLABORATION 2023

Object: Support experimental development projects in cooperation between companies and research organizations, with the aim of promoting the validation and pre-competitive development of new technologies, products and Services. The proposals must be framed in a single challenge from those mentioned below:

1. Hello.
2. Culture, Creativity and inclusive society.
3. Civil Security for society.
4. Digital world, industry, space and defense.
5. Climate, Energy and mobility.
6. Food, bioeconomy, natural resources and environment.

Body: Ministry of Science, Innovation and Universities

Amount and conditions:

• Projects in cooperation.
• The coordinator must be a company.
• Minimum number of participants: 2 entities, a company and a public or private research body.
• Minimum participation per entity: 10% of the total project budget.
• Business participation: no entity should exceed 70% on its own.
• Members who do not request aid are not accepted.
• Business aid modality: Up to 95% loan. Interest: 1-year Euríbor published by the Bank of Spain on the same day of the month prior to the publication of the call. If this were negative, the interest will be 0%. Maximum repayment period: 10 years. Period: 3 years, which will begin to count on February 1 of the following year of the corresponding annuity. Maximum repayment period: 7 years.

Terms: From February 13 to March 7, 2023 (14:00 p.m.).

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

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

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

Amount and conditions:

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

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

Terms: Pending call.

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ICEX Innova Invest Program

Object: Industrial research or experimental development projects in Spain with a high innovative component carried out by companies with foreign capital participation.

Body: ICEX AND MINISTRY OF INDUSTRY, COMMERCE AND TOURISM

Amount and conditions:

Companies that meet the following requirements: 

• Carry out an economic activity, whatever its legal form. 
• Be validly incorporated in Spain. 
• Have a foreign participation of at least 50% of the share capital. The foreign partners who participate in the capital can be both legal entities domiciled abroad and natural persons not resident in Spain.

The following expenses will be subsidized: 

• Personnel expenses (researchers, technicians and other auxiliary staff). 
• Instrumental and material expenses. 
• Costs of buildings and land. 
• Contractual research expenses, knowledge and patents acquired as well as consulting expenses and equivalent services intended exclusively for the project. 
• General costs and other additional operating expenses.

Terms: From January 12, 2023 and will last for two months.

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Fons ICO-Next Tech

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

Body: MINECO-ICO

Amount and conditions:

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

Who is it for?

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

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PID - CDTI project grants

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

Amount and conditions:

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

Terms: Call open all year.

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Innovation Hotline - CDTI

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

Amount and conditions:

• Fixed interest rate with two options depending on the chosen repayment period:
  • 3-year amortization: 0,2-year Euribor + XNUMX%.
  • 5-year amortization: 1,2-year Euribor + XNUMX%.
• Aid of up to 75% of the approved budget (up to 85% if co-financed with the ERDF).
• Non-refundable portion (calculated on a maximum of 75% of the approved budget: (CDTI Fund: 2%, FEDER Fund: 5%).
• Close to 35% of the aid with a limit of 400.000 euros, without requiring additional guarantees to the financial conditions approved by the Board of Directors, and up to 75% with guarantees considered sufficient by the CDTI for the difference.
• The company must provide at least 15% of the project budget with own resources or external financing.
• Aid subject to the de minimis regime. The company through the incorporation of emerging technologies in the sector.

Terms: Call open all year.

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CIEN

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

Amount and conditions:

Consortium made up of business groups with the following characteristics:

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

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

Deadline: Open all year.

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Enisa Young entrepreneurs

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

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

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

Terms: Open all year.

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Enisa Entrepreneurs

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

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

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

Terms: Open all year.

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Enisa Growth

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

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

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

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

Terms: Open all year.

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Cervera Transfer Projects

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

Amount and conditions:

• 85% loan of the investment.
• Subsidy of 33% of the loan.
• Depreciable at 10 years (3 grace period).
• 0% 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.

Check open tenders in Public Procurement of Innovation.

Discover outstanding tenders in Innovation Public Procurement

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Unemployment rate rebates for unemployed people 2022

Object: Aid for the promotion of economic activity in Mataró

Body: City of Mataró

Amount and conditions: B60% discount on the fee for environmental licenses and prior communications, and for controls after the start of the activity, for people who are unemployed, or a 75% bonus for people unemployed under the age of 30.

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

You can request:

• Personally al Citizen Attention Service.
• A l'Mataró Company Office applicant appointment by internet. 

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

Amount and conditions:

Men and women who are registered in the Special Scheme for Self-Employed Workers of the Social Security, who have not been registered in the previous 5 years.

Men over 30 and women over 35, a maximum bonus of 24 months:

• 80% reduction of the minimum fee for 12 months (flat rate: € 60).
• 50% reduction in the minimum fee for the next 12 months.
• 30% discount and bonus for another 6 months.

Men up to 30 years and women up to 35 years, a bonus of up to 36 months:

• 80% reduction of the minimum fee for 12 months (flat rate: € 60).
• 50% reduction in the minimum fee for the next 12 months.
• 30% discount and bonus for another 18 months.

Accounting of the perception of the unemployment benefit with self-employment: People who are receiving the unemployment benefit and register as self-employed, can reconcile for a maximum period of 270 days the perception of the benefit upon enrollment in the RETA (special self-employment regime), as long as the application is submitted within 15 days of enrollment.

Deadline: The whole year.

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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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Second Change2Twin call for deployment vouchers for digital twins in manufacturing SMEs

Object: Change2Twin is a European project (Horizon 2020) that supports manufacturing SMEs in their digitization process by providing digital twin solutions. The digital twin concept is one of the biggest game changers in manufacturing and allows companies to significantly increase their global competitiveness.

Amount and conditions: You will participate in an 11-month support program to adopt digital twin technology to improve your company's competitiveness.  

• Up to 90.000 euros as a lump sum to cover the costs of deployment and implementation of technology and systems applicable to digital twins for manufacturing. 
• Technical mentoring to support digital twin deployment at every stage of its implementation, from user requirements to design specifications.

Terms: March 16, 2023.

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Industrial Entrepreneurship Support Program for SMEs

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

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

Amount and conditions:

For SMEs with the following Economic Activities:

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

Interest and commissions on loans granted with SGRs are subsidized.

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

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

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New Productive Industrial Investment Support Fund (FAIIP)

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

Body: Ministry of Industry, Commerce and Tourism.

Amount and conditions:

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

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

c) Minimum budget of €200.000

d) Type of financing:

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

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

Deadline: Pending call Applications may be submitted until funds are exhausted.

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Grants from the Incentive Program linked to self-supply and storage of renewable energy sources and the implementation of renewable thermal systems.

Object: Promote the deployment of renewable energies, both thermal and electric, in the different consumer sectors, encourage greater control of consumption through the development of storage systems behind the meter and the boost to industry and the associated business sector.

Body: Generalitat Catalonia-ICAEN.

Amount and conditions:

Different programs are opened:

• Incentive program 1: Construction of self-consumption installations, with renewable energy sources (photovoltaic or wind), in the service sector, with or without storage.
• Incentive program 2: Construction of self-consumption installations, with renewable energy sources (photovoltaic or wind), in other productive sectors of the economy, with or without storage.
• Incentive program 3: Incorporation of storage in self-consumption facilities, with renewable energy sources, already existing in the service sector and other productive sectors.
• Incentive program 4: Construction of self-consumption installations, with renewable energy sources, in the residential sector, public administrations and the third sector, with or without storage.
• Incentive program 5: Incorporation of storage in self-consumption facilities, with renewable energy sources, already existing in the residential sector, public administrations and the third sector.
• Incentive program 6: Realization of thermal renewable energy installations in the residential sector. It includes solar thermal, biomass, geothermal, hydrothermal or aerothermal technologies (except air-air technologies) for air conditioning and/or domestic hot water.

Deadline: Consult according to the program.

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Subsidies in the field of retail trade activities, and trade associations and entities – NextGenerationEU

Object: Promote competitiveness and modernization, through the digital and sustainable transformation of small and medium-sized trading companies and trade associations and entities.

Organisation: Generalitat de Catalunya with NextGenerationEU Fund.

Amount and conditions: They may be beneficiaries of these subsidies: 

• Self-employed professionals registered in the special regime for self-employed or self-employed workers, owners of a retail establishment.
• Small and medium-sized companies owning a retail establishment, registered in the tax census of economic activities.
• Territorial entities, guilds and sectoral non-profit trade entities and sedentary and non-sedentary municipal market associations. 

In the field of trading companies, the beneficiary must have at least one establishment at the foot of the street in Catalonia. To finance: 

• New technology projects aimed at improving different areas of online business and communication strategy, business model and shopping experience, for example, improving customer service, relationship and knowledge, spending related to the implementation of cyber security solutions or the development of IT applications.
• Expenses related to the transformation of the point of sale, such as the digitization of trade management, the digital transformation of non-sedentary trade or the acquisition of technological furniture and technological tools for the physical establishment.
• Expenses relating to sustainability and the circular economy such as the adoption of new technologies to reduce costs and environmental impact or the installation of digitized collection point systems.

The aid granted has the character of a maximum amount and will consist of a single contribution per beneficiary of up to 80% of eligible expenses with a maximum of 75.000 euros. The minimum investment is 2.000 euros.

Terms: January 19, 2023.

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Projects to promote the video game sector and other forms of digital creation

Object: Funding of investment projects to improve the competitiveness of the video game and digital creation sector, improve its resilience and boost its internationalization.

Body: Ministry of Culture and Sports

Amount and conditions:

Eligible activities:

• The pre-production, production and distribution of video games.
• The pre-production, production and distribution of other forms of digital creation, including narrative experiences in VR, AR, RX formats, whether interactive or non-interactive, metaverse-oriented narrative experiences, podcasts and others.
• Incubation, mentoring or project acceleration programs related to the above categories, whether in physical, digital or hybrid (digital and physical) format. Those programs, forums, pitching platforms and residencies where professionals and companies participate that previously pass a selection process and that include networking and tutoring activities to improve the competence and competitiveness of professionals and companies in the creative processes and of video game development or other forms of digital creation.
• Professional events and cultural exhibitions about video games and other forms of digital creation.

Projects whose essential activity is purely educational or academic, or competitions, leagues or tournaments of video game players, such as electronic sports (esports), will not be funded.

GRANT, up to 80% of the total project, maximum €120.000.

Terms: January 27, 2023.

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Catering and Trade Financing (ICF AVALIS)

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

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

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ICO line Companies and entrepreneurs

Object: Financing for the self-employed, entrepreneurs and all types of companies, both Spanish and foreign, that want to carry out business activities and/or investments, cover liquidity needs or expenses within the national territory. It can be applied for directly from credit institutions.

Amount and conditions:

• Modality: loan, leasing, renting or line of credit.
• Interest rate: fixed or variable, plus the margin established by the credit institution according to the repayment period.
• Amortization and grace period: from 1 to 20 years with the possibility of up to 3 years of grace period depending on the principal. of the deadlines.

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ICO Line Commercial credit

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

Amount and conditions:

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

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ICO International Line

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

Amount and conditions:

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

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Microcredit Business Microbank

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

Amount and conditions:

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

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ICF Eurocredit

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

Amount and conditions:

Loans to short term:

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

Loans to long term:

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

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ICF-Avalis loan for SMEs and the self-employed

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

Amount and conditions:

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

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

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

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ICF - Social and cooperative economy

Object: Loans for companies in the social and cooperative economy to finance investments, working capital needs, advances in contracts with the public sector and capitalizations of the companies themselves.

Amount and conditions:

• Investment loans: Up to 80% of the investment, with a minimum of 30.000 euros and a maximum of 1 million euros.
• Working capital loans: Minimum 30.000 euros and maximum 100.000 euros.
• Loans for advances on contracts with the public sector: Minimum 30.000 euros and maximum 300.000 euros.
• Capitalization loans: Minimum 10.000 euros and maximum 60.000 euros per beneficiary of the loan.

The ICF studies the viability of the project from a financial point of view, then formalises and manages the loan. The operations approved through this line will have the assumption of 80% of the credit risk of the operation by the Department of Labour, Social Affairs and Families.

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ICF Tourism Loans

Object: Encourage the transformation and modernisation of the tourism sector. Line of loans to finance facilities modernisation projects that improve accessibility, energy efficiency, competitiveness and drive the digital transition in the sector.

Body: ICF

Amount and conditions: The amount of the loans ranges between € 60.000 and € 2 million, and it is possible to finance 100% of the project. As for the term, the loan can be applied for up to 10 years with the possibility of a grace period of up to 2 years.

• Interest rate: Approved operations will have an interest rate bonus of up to 2%.
• Recipient companies: Hotel establishments, including hotels and hostels or pensions, tourist apartments, campsites and rural tourism establishments operating in Catalonia that have been in operation for at least two years and are qualified, as well as energy service companies that act based on a energy services contract with one of the aforementioned companies.

Deadline: December 31, 2022.

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Microbank Innovation Loan

Object: The Innovation Loan allows the financing of business projects that have the support of a collaborating entity of MicroBank, such as the Tecnocampus.

Amount and conditions:

• Maximum amount: €50.000.
• Maximum financing: 100%.
• Fixed interest rate at 6,062% TAE (TIN 5,90%).
• Maximum period of the operation: 7 years.
• Lack of capital up to 24 months.
• No real guarantee.

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Young Entrepreneurs Line (ENISA)

Object: Aimed at recently established SMEs (and startups) created by young people to address the investments that the business project needs in the initial phase.

Amount and conditions:

• The company must have been incorporated, at most, during the 24 months prior to the application.
• The majority of the capital must be in the hands of natural persons of no more than 40 years of age.
• Condicions: €25.000 Minimum amount €75.000 Maximum amount 7 years Maximum maturity     5 years Maximum grace period.
• The partners must contribute, via capital or through their own funds, at least 50% of the loan.

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Entrepreneurs Line (ENISA)

Object: Aimed at supporting the early life stages of SMEs promoted by entrepreneurs, without age limit.

Amount and conditions:

• Your company must have been incorporated, at most, during the 24 months prior to the application.
• Your equity must be at least equal to the loan amount.
• Co-financing of the financial needs associated with your business project.
• Condicions: €25.000 Minimum amount €300.000 Maximum amount 7 years Maximum maturity 5 years deficiency maximum

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Growth Line (ENISA)

Object: Aimed at supporting the business projects of companies interested in expanding their business or achieving a competitive improvement.

Amount and conditions:

• Your equity must be at least equal to the loan amount.
• Co-financing of the financial needs associated with your business project.
• For loans approved for an amount greater than €300.000, you must have the financial statements of the last closed financial year externally audited.
• Condicions: €25.000 Minimum amount €1.500.000 Maximum amount 9 years Maximum maturity     7 years deficiency maximum

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WOMEN DIGITAL ENTREPRENEURS (ENISA financing line)

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

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

Amount and conditions:

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

Condicions:

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

Requirements:

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

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ICF-IFEM participatory loans. Corporate entrepreneurship

Object: ICF manages through IFEM the support for the creation and development of innovative start-ups through venture capital programs and co-investment with private investors through participatory loans.

Amount and conditions: The expenses associated with the development of the business plan that is the subject of the application will be financed. A corporate entrepreneurship project is understood to be one in which a corporate investor enters the capital of a small company to develop a business plan that responds to a need for innovation and/or growth of the corporate investor. .

• Between € 50.000 and € 200.000 per project, subject to investment in the form of capital by private investors.
• Term: up to 5 years.
• Amortization: only at maturity.
• Fixed interest: the maximum between 4% and the rate that would result from the application of the Communication from the European Commission on the revision of the method for setting the reference and updating rate (OJ C 14, 19.1.08). Settlements will be quarterly.
• Variable interest: will be determined based on the evolution of the business plan (up to a maximum of 15% including the fixed).
• Commissions: 0,5% management.
• The approved operations will have the assumption of 80% of the credit risk of the operation by the Department of Business and Knowledge.

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ICF Venture Tech II

Object: Venture capital fund intended to invest in startups that promote technological and/or innovation projects with high growth potential.

Amount and conditions:

• Type of investment: Transactions with debt instruments, convertible debt and/or equity.
• Amount of the operation: Between € 500.000 and € 2 million.
• Project characteristics: Projects in early early maturation phases and series A.
• ICT Sector: ICT, digital, and selectively, health sciences (excludes models with products that need clinical phases).
• Business Model: Capital efficient, scalable, aimed at large, growing markets and where a clear differentiation is provided (through technology and/or innovation) that produces sustainable competitive advantages so that the company presents a high potential for growth and revaluation.

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Interest-free loans from the ASCA Foundation (Solidarity Association against Unemployment)

Object: Fund entrepreneurship projects for people who are unemployed or in precarious work situations. The aim is to encourage the self-esteem of these people and encourage the creation and consolidation of jobs.

Amount and conditions:

• Interest-free loans.
• The project, the skills of the entrepreneur and also the social impact it can generate are valued.
• A very wide range of modalities, from the financing of work tools to the granting of loans for the creation of cooperatives.

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Crowfunding or micro-patronage

Micro-patronage is a collaborative project financing mechanism developed on the basis of new technologies. It dispenses with traditional financial intermediation and consists of contacting project promoters who request funds through the issuance of securities and shares or through the application for loans, with investors or fund providers looking for a return on investment. . Two characteristics stand out in this activity: the massive union of investors who finance small projects with high potential in small amounts and the risky nature of this investment. There are several crowfunding platforms.

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Alternative financing recommender

Alternative business financing is a reality, with a multitude of options and specialisations. There are so many, that finding the most suitable option for your needs is the first of the important decisions to make. The Alternative Financing Adviser created by ACCIO will help you achieve this. Tell them, in just 5 clicks, what your needs are, and they will suggest the solutions that best suit your sector, the situation of your company and the particularities of your project.

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