Consult all the grants and lines of financing, state and European that you can choose to start and / or grow your company. If you need advice, contact servicioempresa@tecnocampus.cat

FACING THE PURPOSES OF COVID

MEASURES AND AID TO DEAL WITH THE EFFECTS OF COVID-19

 

 

 

Access the "Bank Financing and others" section

 

 

 

It is a free public service that offers support to small business owners and self-employed people who are in a current or imminent economic situation of insolvency.

Aim to provide additional time for companies that are going through difficulties as a result of the pandemic to restore their balance of assets, avoiding entry into bankruptcy.

If the competent authority decrees measures to suspend the development of the activity or to restrict the material use of leased real estate for the performance of industrial and commercial activities, in the contracts signed from 1 January of 1995 the lessee may require from the lessee, by bureaufax or otherwise reliably, a reasonable and equitable modification of the terms of the contract.

Allowance for the payment of notarial and registration fees arising from the formalization and registration of the novation of loans, leasing and renting that includes the moratorium indicated in articles 18 to 23 of Royal Decree-Law 26/2020 of 7 July 2020 This moratorium is a continuation of previous ones established since the beginning of the State of Alarm to alleviate the liquidity situation of companies and self-employed people affected by the COVID-19 crisis.

Self-employed workers who have ceased their activity or have seen it reduced by the current crisis can apply to take advantage of the electric social bond to have a discount on the electricity bill.

NEXT GENERATION EU

To help repair the economic and social damage caused by the coronavirus pandemic, the European Commission, the European Parliament and EU leaders have agreed on a recovery plan that will lead the way out of the crisis and lay the groundwork. for a modern and more sustainable Europe.

The Recovery Plan for Europe (NGEU) for high-impact projects towards a greener, digital and resilient economy related to the digitalisation of people, the productive fabric, technological infrastructures or the reform of the Public Administration is endowed with 750.000 billion euros to finance transformation projects.

More information

See all Next Generation calls  HERE

AID FOR RESEARCH, DEVELOPMENT AND INNOVATION

 

  • Industrial Doctorates


Object: grants for research projects that are developed within the strategic framework of a company or entity in the business environment (companies, foundations, institutions, NGOs, public bodies, etc.) and, at the same time, within a group of research of a research body (University, Research Centers, Technology Centers and University Hospitals), in which the doctoral student must carry out his / her research training, in order to do a doctoral thesis in any field. of knowledge and any business sector.
 
Entity: Generalitat Catalunya

Quantity and conditions: Companies / institutions must comply with the following premises: 

  • Designate a business manager for the project (tutor)
  • Employment of the doctoral student for 3 years of the grant. 
  • Minimum annual gross salary of the doctoral student of 22.000 euros (on average).

Deadline: 14/12/2021
 

More information

  • "Investigo Program": grants for hiring young professionals in R & D & I


Object: support for the hiring of young people, over 16 and under 30, researchers, technologists, technical staff and other professional profiles in R & D & I, as well as, where appropriate, research support staff. 

Amount and conditions: The activities must be related to initiatives in health, ecological transition and green economy (renewable energies, energy efficiency, water and waste treatment and the agri-food industry), digitization of services and data engineering or science data, as well as any project research aimed at social, cultural, artistic or any other field of study. 

  • Module A: Subsidy of up to € 22.405,94 per person hired and year of contract (€ 1.867,16), in the case of contracts in Social Security accounting groups 9 to 5, both inclusive. 
  • Module B: Subsidy of up to € 33.108,92 per person hired and year of employment (€ 2.759,07 per month), in the case of contracts in Social Security contribution groups 4 to 1, both inclusive. 
  • Grant duration: maximum 2 years. 

Deadline: Pending call. 

More information

 

 

 

  • Entrepreneurship for Innovation in the Port Sector (PORTS 4.0) in Business Ideas and Projects

Object: Subsidize two types of projects: Ideas and commercial projects. They must develop a new product, service, process, or improve an existing technology with a new innovative component developing its application for the logistics-port sector. Candidates must also promote the achievement of measurable progress solutions in one or more areas of logistics-port activity.

These areas are: logistical efficiency in the field of infrastructure, operations or service provision, environmental sustainability and energy, security and protection, the digitization of intelligent processes and platforms and any other product, service or innovative process with an impact on the port logistics sector or on the port nautical or fishing sector.

Amount and conditions:

  •  Individual or legal companies or groups of natural and legal persons may apply for assistance
    • a) Ideas: grant of 15.000 euros
    • b) Projects in the pre-commercial phase: aid of a maximum amount of 60% of the costs associated in the project budget to the innovation component, with a maximum limit of 1.000.000,00 euros
    • c) Projects in the commercial phase aid of a maximum amount of 80% of the costs associated in the project budget to the innovation component, with a maximum limit of two million euros (2.000.000,00 euros)
  • In all three cases, the possibility of accessing acceleration or advisory services to accelerate commercial development, growth and ensure the business success of the project, established in the territorial headquarters of the incubator-accelerator associated with the Plan of boost to Entrepreneurship for Innovation in the port sector «Ports 4.0

Body: Minister of Transport, Mobility and Urban Agenda

Deadlines: Projects ideas: November 30, 2021 and Commercial projects December 30, 2021

More information
 

  • Call for Public-Private Collaboration ("Collaboration Challenges").

Object: support for collaboration projects between companies, public and private universities, Public Research Bodies, technology centers, public and private R&D centers and business associations, with the main objective of promoting research close to business interests and with business leadership.

Body: State Research Agency.

Amount and conditions:

Call budget:

  1. 2021: € 150 million in subsidy and € 250 million in loans
  2. 2022: € 100 million in subsidy and € 150 million in loans

• Applicants: Public-private consortia.

• Duration: 3 years in 2021, 2 years in 2022.

• The incorporation of doctors in the participating companies will also be subsidized.

Deadline: pending call

  • 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:
  • 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 tranche (calculated on a maximum of 75% of the approved budget: (CDTI Fund: 2%, ERDF 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.

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 autonomous 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

ObjectTo 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.

More information

HORIZON EUROPE #HORIZONEU

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

More information
 

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

CDTI MULTILATERAL PROJECTS:â € ‹â €‹ â € ‹â €‹ â € ‹â €‹ â € ‹

  • 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: Non-refundable financial support program for innovative SMEs to develop R&D projects with specific countries that cannot apply 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.

IBEROEKA: Support for R & D projects in Latin America framed in the initiative Iberoamerican Program of Science and Technology for Development (CyTED). 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.

COUSIN: 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
 

ACTION 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

AID FOR DIGITALIZATION

 

  • Digital Kit

Object:Grants to SMEs and the self-employed for the process of digital transformation of the business.

Body: Ministry of Economic Affairs and Digital Transformation

Amount and conditions: It consists of a digital bonus with an economic amount for you to manage by choosing one or more digital solutions from the offers by accredited digitizing agents who develop the services of the catalog: web creation, e-commerce, social media management, customer and supplier management, business and analytical intelligence, virtual office services and tools, process management, electronic invoicing, secure communications and online cybersecurity.

To apply for the digital bonus, you must register at www.acelerapyme.es and complete the self-diagnosis test. Then you need to access the catalog of digitizing agents and decide with whom you want to develop the digital solution.

Deadline: pending call

More information

 

  • Turn your business around

Object: support to quickly start online business.

Body: Digital Policies, Employment Promotion, Barcelona Chamber of Commerce and Pimec

Amount and conditions:

  • FREE ADVICE: An ICT consultant will solve all your doubts and guide you for free to find the best strategy for your project.
  • TECHNOLOGICAL SOLUTIONS: You will have access to digital tools for your business. For example, the free creation of the website or online store and the first three monthly payments.
  • INTERNET PROMOTION: They help you find the best channels and strategies to promote your business on the networks and reach your customers.
  • ONLINE TRAINING 

More information
 

https://www.pimec.org/ca/joemquedoacasa-dona-volta-al-teu-negoci

https://www.cambradigital.com/dona-la-volta-al-teu-negoci

https://www.foment.com/dona-la-volta-al-teu-negoci/

AID FOR EMPLOYMENT

  • Program 30 Plus

Object: Insert people over the age of 30 living in the Maresme region, in a situation of unemployment and difficulties in accessing the labor market, with the obligation to carry out training to improve their skills related to the position to be filled.

Body: The Employment Service of Mataró City Council

Amount and conditions:

Companies that hire people from the program will receive an economic subsidy equivalent to the minimum interprofessional wage (SMI) for the months of the contract duration up to a maximum of 9 months and proportional to the working day. Maximum amount € 10.132,47

  • Perform an employment contract with a minimum duration of 6 months and a minimum working day of 20 hours per week.
  • Assign a company tutor to monitor and adapt the person.
  • Carry out a tailor-made training from 20h to 100h linked to the workplace.
  • Make the worker's working hours more flexible in order to combine work with tailor-made training.
  • Be aware of tax, regulatory and legal obligations.
  • Not to have dismissed workers of the same profile or professional category qualified as null or unreasonable in the last 3 months.

Time limit : to sign 9-month contracts 01/01/2022. For contracts of 6 months 01/04/2022

More information

 

  • Shape and Insert Program

Object: granting of public subsidies destined to the realization of formative actions for the employment directed to improve the qualification and the employability of the working people, prioritize of the unemployed.

Body: Generalitat de Catalunya

Amount and conditions: aimed at companies that undertake to hire a part of the people trained, by themselves or in other companies. This program is especially aimed at companies that have a need or a forecast of recruitment and that require training linked to these recruitments. Given the specificity of the program, and given that each company has its needs and recruitment schedule, within each sector of activity and territory of implementation, the award of grants for training is not subject to competitive competition. . It is aimed primarily at unemployed jobseekers (DONO),

Deadline: 3 of December of 2021

More information

 

  • “La Caixa” Young Work

Object: Encourage the hiring of young people enrolled in the Youth Guarantee System (from 16 to 29 years old) and, in this way, contribute to reducing unemployment.

Body: The Caixa

Amount and conditions:

1. Full-time indefinite contract with a minimum stay of 6 months - The maximum amount of aid will be € 9.600 / 12 months.

2. Fixed-term (temporary) full-time contract with a minimum stay of 6 months. The maximum amount of aid is € 4.200 / 6 months.

In the case of workers with severe disabilities, aid may be applied for for part-time contracts (minimum, 50% of the full day). In these cases, the amount of aid is 50% of what would correspond to the type of contract.

Deadline: until March 15, 2022.

More information

 

  • Encouraging the hiring of young people. 

Object: aid for hiring young people under the age of 30 as a tool to tackle youth unemployment, and in order to help companies incorporate them into their staff.

Body:  SOC

Amount and conditions: Contracts of a minimum of one year will be subsidized for young people, between 16 and 29 years old, registered in the SOC as DONO. There will be a specific call for internship contracts and another for one-year indefinite and temporary contracts. In the first case, young people will also have to comply with the requirements required by this type of contract.

There is a limit of 5 contracts per company or 50% of the workforce.

Deadline:  March 31 2022

More information
 

  • Vocational Training Program for DUAL Employment.

Object: Subsidies to be able to qualify people between 16 and 29 years old (at the time of starting the contract) through the training and learning contract that will be allocated to young people without the professional qualification required to carry out tasks entrusted to the sector. productive where supply is focused. These people will be hired, but at the same time they will also receive Certificate of Professionalism (CP) training and will have support that will be for both the young person and the companies.

Body: SOC

Conditions: In order to carry out these projects, the intervention of three agents will be necessary:

  1. Driving agent: (ESAL's, local entities, Guilds, specialized and accredited training centers).
  2. Training agent: (centers accredited to provide CP and companies accredited to provide training)
  3. Contracting agent: it will be necessary to hire the young person through a training and apprenticeship contract and to ensure their training and support in the company.

With regard to the subsidy, in the case of the company, the salary costs of the training and apprenticeship contracts will be subsidized for 12 months. In the case of training agents, training will be subsidized, and in the case of driving agents, support and follow-up will be subsidized.

Deadline: pending call

INTERNATIONALIZATION

 

  • ICEX Next

Object: Program for Spanish SMEs that want to grow internationally, helping them in all phases of their project.

Amount and conditions:

  • € 20.000 in aid for the international business plan.
  • Personalized and expert advice in Spain.
  • Personalized and expert advice abroad.
  • Spanish SME exporting network.

Deadline: From 1 to 31 December 2021 (100 companies)

More information

 

  • Grants to participate in international fairs

Object: Grants to participate in international fairs and direct business missions.    

Body: ICEX

Amount and conditions: are specified in the respective call.

More information

AID FOR THE CREATION OF COMPANIES

  • Grants to encourage self-employment of young people under the REACT-EU program

Object: to encourage the incorporation into the labor market of young people between the ages of 18 and 29 through the development of actions to promote self-employment.

Body: Generalitat Catalunya

Amount and Conditions:

  • Young people 18 and 29 years old
  • You must be registered with the SOC as an unemployed jobseeker the day before the self-employed person is registered or be registered in the Youth Guarantee Program.
  • Self-employed workers cannot be accommodated nor SCP partners
  • The amount of the subsidy is the result of applying a monthly financial module corresponding to the number of months of uninterrupted discharge as a self-employed worker. The reference for determining the monthly module will be the minimum interprofessional wage with the 14 prorated payments in 12 months.

Deadline: pending call 

More information

  • Call for grants for entrepreneurship for people with disabilities 2018-2022

Object: to promote job creation, the improvement of employability and the socio-labor insertion of people with disabilities.

Body:ONCE Foundation.

Amount and conditions: Applicants who meet the requirements established in this call, may opt for a fixed and minimum financial aid, non-refundable, of 3.000 euros, to support their employment, through the formula of self-employment. In addition, the amount of aid to be granted will be increased, if the project meets any of the following factors:

  • Socio-labor situation of the applicant
     
  • Promoting the employment of people with disabilities
     
  • Fostering growing sectors
     
  • Persons with disabilities, with a degree equal to or greater than 33%, Social Security pensioners who have a recognized permanent disability pension in the degree of total, absolute or severe disability, and pensioners of passive classes who have a recognized retirement or retirement pension for permanent incapacity for service (provided that this incapacity is compatible with the work to be performed by the entrepreneur). However, the total amount of aid to be granted will in no case exceed 18.000 euros. 

    Deadline: 31/12/2021

 

  •  

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 bonus of up to 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 for the receipt of unemployment benefits with self-employment: People who are receiving unemployment benefits and registering as self-employed, can make the receipt of unemployment compatible for a maximum period of 270 days. the benefit with the registration in the RETA (special regime of autonomous work), as long as the application is presented during the 15 days following the registration.

Deadline: the whole year

More information 

  • Entrepreneurship for Innovation in the Port Sector (PORTS 4.0) in Business Ideas and Projects

Object: Subsidize two types of projects: Ideas and commercial projects. They must develop a new product, service, process, or improve an existing technology with a new innovative component developing its application for the logistics-port sector. Candidates must also promote the achievement of measurable progress solutions in one or more areas of logistics-port activity.

These areas are: logistical efficiency in the field of infrastructure, operations or service provision, environmental sustainability and energy, security and protection, the digitization of intelligent processes and platforms and any other product, service or innovative process with an impact on the port logistics sector or on the port nautical or fishing sector.

Amount and conditions:

  • Individual or legal companies or groups of natural and legal persons may apply for assistance
    • a) Ideas: grant of 15.000 euros
    • b) Projects in the pre-commercial phase: aid of a maximum amount of 60% of the costs associated in the project budget to the innovation component, with a maximum limit of 1.000.000,00 euros
    • c) Projects in the commercial phase aid of a maximum amount of 80% of the costs associated in the project budget to the innovation component, with a maximum limit of two million euros (2.000.000,00 euros),
  • In all three cases, the possibility of accessing acceleration or advisory services to accelerate commercial development, growth and ensure the business success of the project, established in the territorial headquarters of the incubator-accelerator associated with the Plan of boost to Entrepreneurship for Innovation in the port sector «Ports 4.0

Body: Minister of Transport, Mobility and Urban Agenda

Deadlines: Project ideas: November 30, 2021 and Business projects December 30, 2021

More information


 

  • Free consulting services to help start new green businesses

Object: Promote the launch of new viable and more resilient companies, which contribute to a green recovery, the conservation of biodiversity and promote a fairer ecological transition

Body: Biodiversity Foundation of the Ministry for Ecological Transition and the Demographic Challenge (MITECO)

Conditions: Interested citizens can register for the different services through the enabled page. Once the applications have been received, the applications will be evaluated according to criteria such as the potential for a positive environmental and social impact of their initiatives, their contribution to the conservation of biodiversity and green recovery or their degree of innovation. . The selection will give priority to people belonging to priority groups such as women, young people up to 35 years, over 45 years, immigrants, people with disabilities and residents in protected areas or rural areas.

Terms: January 3, 2022

More information

 

SECTOR-SPECIFIC AID

 

 

  • WORTH Partnership Project


Object: strengthen the competitiveness of SMEs in the fashion and lifestyle industries and increase their capacity for innovation through cross-sectoral and pan-European collaborations between SMEs, designers and technology providers to foster the integration of creativity, design and new technologies for SMEs to obtain high value-added products, processes and services. 

Organization: is a European project, precisely an innovation action, with the support of the European Commission. 

Conditions: Currently, the call for expressions of interest of the WORTH II project is dedicated to the principles of the New European Bauhaus Initiative. Although not mandatory, project ideas will be evaluated on the basis of specific award criteria related to the core values ​​of the New European Bauhaus Initiative. 

The project provides companies with an incubation program to develop new businesses:

  • € 10.000 to € 20.000 in financial support; 
  • training on business strategy and technological development;
  • legal advice on intellectual property rights and protection; 
  • participation in exhibitions;
  • professional networks and links.

Those who: 

  • Have an idea and you already have a potential partner to work with. 
  • Have an idea but don’t know any partners 
  • Be a self-employed professional or an active SME in any of the eligible lifestyle industry sectors: textile / fashion, footwear, leather / leather, furniture / home decor / interior design / architecture, jewelry and accessories; and have any of the following business activities: design, manufacturing / artisanal manufacturing, technological development. 
  • They are established in one of the eligible countries: EU-21 countries, states associated with COSME or the United Kingdom. 


Deadline: 02/02/2022

More information

 

  • New Productive Industrial Investment Support Fund (FAIIP)

Object: to finance industrial companies, in particular mercantile companies and cooperative societies, which are not part of the public sector, which develop or will develop a productive industrial activity and industrial services, regardless of their size.

Body: Ministry of Industry, Trade and Tourism.

Amount and conditions:

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

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

Deadline: applications may be submitted during the year 2021 until the funds are exhausted.

More information

  • Aid aimed at promoting the digital transformation of Spanish industry in the framework of the "Connected Industry 4.0" Project

Object: boost the digital transformation of Spanish industry through industrial companies

Organization : Ministry of Industry, Trade and Tourism

Amount and conditions: companies that have their registered office or a work center in the Autonomous Community of Catalonia, whatever their legal form (whether natural or legal persons, associations, non-profit organizations, etc.) that carry out or will carry out an activity productive industrial

The beneficiary company will receive the following services within the specialized advice:

  • Preliminary diagnosis of the digital situation and an internal analysis of the organization and the business.
  • Transformation Plan
  • Necessary visits to the facilities of the beneficiary industry.
  • Demonstration workshops with practical content

The beneficiary company will contribute to the service by paying SIX-CENTS FIVE EUROS (€ 605,00).

Deadline: 15 of December of 2021

More information

 

  • Grants from the Incentive Program linked to self-consumption and storage, with renewable energy sources and the implementation of renewable thermal systems.

Object: to promote the deployment of renewable energies, both thermal and electrical, in the different consumer sectors, to 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 Catalunya-ICAEN

Amount and conditions: Different programs are opened:

  • Incentive program 1: Realization of self-consumption installations, with renewable energy sources (photovoltaic or wind), in the services sector, with or without storage.
     
  • Incentive program 2: Realization 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 services sector and other productive sectors.
     
  • Incentive program 4: Carrying out 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 installations of thermal renewable energies in the residential sector. Includes solar thermal, biomass, geothermal, hydrothermal or aerothermal technologies (excluding air-to-air technologies) for air conditioning and / or domestic hot water.

Deadline: Pending call. Consult according to program

More information

 

 

 

 

 

 

 

BANKING AND OTHER FINANCING

  • Aid line for post-COVID-19 industrial reactivation

Object: Line of participatory loans to provide financial support to Catalan industrial companies to respond to the current situation of the sector against COVID-19.

Organization: Avança-Generalitat Catalunya

Amount and conditions:

  • Maximum amount of the unit loan: 3.000.000 euros.
  • Single amortization of principal at maturity.
  • Minimum term of 3 years and maximum of 8 years.
  • Fixed interest rate: One-year Euribor plus a maximum spread of 10%.
  • Variable interest rate: additional up to a maximum of 10% of the Company's EBITDA.
  • With personal and / or real estate guarantees.
  • Loan (principal plus interest) convertible into capital (shares or participations) of the company benefiting from the participatory loan. More information

More information

  • Microcredit Business MicroBank FEI-COVID19

Object: TecnoCampus has signed an addendum to the agreement it had already signed in 2019 with Microbank and Caixabank with the aim of improving the financing of self-employed workers and micro-enterprises.

This addendum has included the line of financing in order to meet current needs arising from Covid-19.

Amount and conditions: up to 25.000 euros, intended for self-employed workers and micro-enterprises in need of working capital caused by the current crisis, with a fixed interest rate of 3,9%, without opening, study, partial or total cancellation fees. 

For more information contact Yolanda Fernández yfernandez@tecnocampus.cat

 

  • ICF CREDIT - COVID-19 (LIQUIDITY)

Object: Loan to facilitate the liquidity of Catalan companies as a result of the situation arising from COVID-19. It can also be used to refinance operations.

Body: ICF

Amount and conditions:

  • Amount: between € 500.000 and up to € 2,5 million.
  • Term: up to 10 years with up to two years grace period included in the term.
  • Interest: 12-month EURIBOR plus a spread of up to 3,50% for SMEs, and a spread of up to 3,75% for large companies.
  • Commissions: opening, maximum of 0,50%.

The approved operations will have the assumption of up to a maximum of 80% of the credit risk of the operation by the Department of Economy and Finance.

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 principal grace depending on the terms.

More information

 

  • ICO Line Commercial credit

Object: to finance self-employed workers, entrepreneurs and companies wishing to obtain liquidity by advancing invoices from their commercial activity within the national territory, or to cover the production costs of the goods for sale in Spain. It can be requested directly from entities of credit.

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

Purpose: Financing for self-employed workers, 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, buyer and complementary financing credit. It can be applied for directly from 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.
  • Amortization 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.

Mis 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: € 25.000
  • Maximum funding: 100%
  • Fixed interest rate at 6,062% APR (TIN 5,90%)
  • Amortization period up to 6 years
  • Lack of capital up to 6 months
  • No real warranty

More information

 

  • EIB Microbank microcredit

Object: Financing of investment and working capital projects for self-employed professionals, as well as micro-companies with less than 10 employees and a turnover of no more than € 2.000.000 per year. A project can be funded anywhere in the EU.

Amount and conditions:

Fundable projects:

  • Tangible assets: acquisition, renovation or extension of facilities and equipment, except for the purchase of land.
  • Intangible assets: development costs, R&D costs, creation or acquisition of distribution networks in national markets or in other markets within the EU, obtaining or purchasing patents ...
  • Maximum amount: € 25.000
  • Maximum funding: 100%
  • Fixed interest rate
  • Repayment period: between 2 and 6 years
  • Lack of capital up to 6 months
  • No real warranty

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:

Short-term loans

  • 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: Euribor at 12 months plus a spread from 0,95%.
  • Commissions: opening of 0,25% of the nominal of the loan.
  • Warranty: to be determined according to the project.

Long-term loans

  • Import: from € 150.000 to € 2.500.000. Up to 70% of the project will be funded.
  • Terms: from 2 to 5 years, with up to 2 years grace period included.
  • Interest rates: Euribor at 12 months plus a spread from 0,95%.
  • Commissions: opening of 0,25% of the nominal of the loan.
  • Warranty: to be determined according to the project.

More information

 

  • ICF-Avalis loan for SMEs and the self-employed

Object: Loan with guarantee for Catalan and self-employed SMEs 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.

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, formalizes 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 Labor, Social Affairs and Families.

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 funding: 100%
  • Fixed interest rate at 6,062% APR (TIN 5,90%)
  • Maximum period of operation: 7 years
  • Lack of capital up to 24 months
  • No real warranty

More information

 

  • ENISA Digital Entrepreneurs Line

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

Body: Ministry of Economic Affairs and Digital Transformation

Amount and Conditions: Aimed at SMEs or Startups. Financing without guarantees, subordinated and with a variable cost depending on the results:

  • Loans from € 25k to € 1,5 million
  • Term: 6 years with a grace period of 2 to 3 years.
  • Interest rate will be applied in two tranches:
    • Fixed tranche: Euribor + 3,75, regardless of the company's results.
    • Variable tranche: payer depending on results (it will range between 3% and 8%).
  • No guarantees.

 

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 allows to obtain 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 specializations. 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 him, in just 5 clicks, what your needs are, and he will suggest the solutions that best suit your sector, the situation of your company and the particularities of your project.

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PRIZES

  • Entrepreneur Awards XXI

Object: Aimed at technology-based and digital companies that stand out for their capacity for innovation and high growth potential.

Body: CaixaBank

Amount and conditions:

Be a company incorporated as a legal entity for profit (SA, SL, Labor Society, Cooperative, Civil Society) and have created the company from January 1, 2018. l technology-based and digital companies, with high growth potential and esca business models In addition to an economic endowment, the winning companies will enjoy an international support program in one of the world's leading innovation ecosystems.

Deadline: December 3, 2021

More information
 

 

  • Premises + 50Emprende

Object: reward projects with added value led by people of +50 from all over Spain.

Amount and conditions: The prize consists of a financial aid for the realization of the projects: € 10.000 for the 1st prize, € 5.000 for the 2nd and € 3.000 for the 3rd prize.

The requirements to be able to participate are the following:

  • Individuals resident in Spain and aged 50 or over on 15 June 2021.
  • Entrepreneurial people who are currently developing a project that has been launched after January 1, 2019, and who were already 50 years old at that time.
  • Legal entities, in which the owner of at least 50% of the share capital is 50 years old on June 15, 2021.
  • Be registered as a user of the Generation Wise platform.

On December 1, 2021, the awards team will be installed at the Maternity Venue between 9:30 am and 14:30 pm (C / Travessera de les Corts, 131-159. 08028 Barcelona). Entrepreneurs will be able to personally present their projects to the promoters and thus participate in the call. Participating is simple: it is a matter of recording a video of a maximum of 2 minutes and 59 seconds, exposing the main elements that make up the entrepreneurial idea.

Anyone wishing to participate must send an e-mail to premios@50emprende.es.

You will find the bases to participate and the requirements here! and all information relating to them is available at www.50emprende.es.

Deadline: 3 of December of 2021