Complement your private funding round with ENISA loans
Take advantage of ENISA’s funding programs designed to support entrepreneurs and innovative projects.
ENISA’s participative loans help boost business growth. We assist you in securing ENISA financing for startups and PYMES, allowing you to access maximum funding without personal guarantees.
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ENISA
Startups and SMEs
The ENISA Startups and SMEs funding line is designed to boost innovative companies, whether they’re just getting started or looking to consolidate their growth. Its goal is to support startups that need capital to develop their projects, strengthen their business model, and scale sustainably.
The ENISA Startups and SMEs funding line is designed to boost innovative companies, whether they’re just getting started or looking to consolidate their growth.
Startups and SMEs with innovative projects and a differentiated business model operating in Spain or with a local business presence in the country.
• The company must qualify as an SME under the EU definition.
• The project must demonstrate technical and economic viability.
• The business model must be innovative or show clear competitive advantages.
• The company must contribute equity at least equal to the amount of the loan.
• The main activity and registered office must be located in Spain.
• The real estate and financial sectors are excluded..
• Loan amount: €25,000 to €1,500,000, with a maximum term of 7 years and up to 5 years of grace period.
• Interest rate:
Tranche 1: Euribor + 4% or + 6% depending on the company’s rating.
Tranche 2: Variable, between 4.25% and 6.25%, depending on the company’s profitability.
• Accessibility: No collateral required, making it easier for young entrepreneurs to access funding.
This funding line is specifically aimed at promoting female entrepreneurship in the digital sector. ENISA Digital Entrepreneurs supports both newly created companies and those looking to consolidate their position, with a focus on technological innovation and digital transformation.
ENISA Digital Entrepreneurs, supports female entrepreneurship in the digital sector, helping innovative companies focused on technology and digital transformation grow and consolidate their position.
Companies led by women operating in the digital sector, seeking to develop or strengthen technology-driven innovation projects.
• Be an SME based in Spain.
• Have an innovative project with a strong technological component.
• Maintain a balanced financial structure and professional management.
• The real estate and financial sectors are excluded..
Tranche 1: Euribor + 3.75%.
Tranche 2: Variable, between 3% and 8%, depending on the company’s profitability.
• Accessibility: Designed to make funding accessible for digital startups, with no need for additional guarantees.
• Objective: Created to help women-led startups scale their businesses and strengthen their position in the digital economy.
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ENISA
Digital Female Entrepreneurs
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ENISA
AgroInnpulso
The ENISA AgroInnpulso funding line is designed to promote digital transformation and sustainability within the agri-food sector. Through participative loans, this program supports SMEs developing innovative projects across the entire agri-food value chain, helping them implement advanced and sustainable solutions.
SMEs in the agri-food sector that present innovation projects focused on digitalization and sustainability.
• Registered office in Spain and a distinct legal entity.
• An innovative business model that contributes to the sector’s digitalization and sustainability.
• Co-financing of the project with own funds at least equivalent to the loan amount.
• Demonstrated technical and economic viability, with a balanced financial structure.
• Submission of financial statements for the latest closed fiscal year.
• For loans exceeding €300,000, audited financial statements are required.
• The real estate and financial sectors are excluded.
• Amount and term: Loans ranging from €25,000 to €1,500,000, with repayment terms of up to 9 years and up to 7 years of grace period.
• Interest rate:
Tranche 1: Euribor + 2% or + 3.75%, depending on the company’s rating.
Tranche 2: Variable, between 3% and 8%, depending on the company’s profitability.
• Accessibility: Funding available without the need for additional guarantees.
SMEs operating in the audiovisual, video game, and cultural and creative industries that aim to develop or consolidate innovative projects.
• Registered office in Spain and a distinct legal entity.
• A business project with proven technical and economic viability and an innovative business model.
• Co-financing of the project needs with own funds at least equal to the loan amount.
• A balanced financial structure.
• Submission of the latest financial statements filed with the Commercial Registry or another public registry.
• The real estate and financial sectors are excluded.
• Amount and term: Loans ranging from €25,000 to €1,500,000, with a maximum term of 10 years and up to 7 years of grace period.
• Interest rate:
Tranche 1: Euribor + 2% or + 3.75%, depending on the project’s rating.
Tranche 2: Variable, between 3% and 8%, depending on the company’s profitability.
• Flexibility: Accessible financing without the need for additional guarantees.
• Objective: Designed to support companies driving growth in cultural and creative industries.
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ENISA
Audiovisual and Cultural & Creative Industries
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At The Startup CFO, we work to solve the financial management challenges of your startup, specifically when it comes to applying for ENISA loans.
The application process can vary depending on the complexity of the project and the speed of gathering the required documentation. Generally, from initial preparation to final approval, it takes 2–4 months. Working with a consultant can streamline this process, ensuring documents are prepared and submitted on time.
Approval rates depend on the financing line and the quality of submitted applications. ENISA is selective, approving only the most viable and well-documented projects. Working with a specialized consultant can significantly increase your chances of success.
ENISA evaluates applications based on factors like technical viability, innovation, financial structure, and the company’s ability to co-finance the project. A team of experts familiar with these criteria can help present a strong application.
The rating assigned by ENISA directly impacts the loan’s interest rate. This rating considers the company’s solvency and project risk. A well-prepared application can result in a favorable rating and reduced financial costs, highlighting the importance of expert support.
Essential documents include a business plan, audited financial statements, and technical analyses. Comprehensive preparation of this documentation is critical for meeting ENISA’s requirements.
Yes, once a loan is granted, your company can apply for additional financing to support consolidation and expansion efforts, provided there is at least a one-year gap between applications and new equity contributions are made.
ENISA allows for early repayment of the loan if there is a significant change in the company’s shareholder structure. This may include the sale of shares or changes in company control. Planning for these potential scenarios in advance with a consultancy can help avoid unpleasant surprises and ensure compliance with the loan terms.
If you think we can help you take the financial and strategic management of your startup to the next level, send us a message. We will get back to you as soon as possible to meet and discuss how we can help you.
C. de Orense, 12, 1º 4,
28020 Madrid
699 14 17 49
C. de Orense, 12, 1º 4,
28020
Vía Augusta, 74, Gràcia
08006
