Investment and competitive improvement of companies. Line reverses


Financial support through loans to SMEs with investment projects mainly aimed at modernization and competitive improvement of the company.

The fundable investments the following:

  1. a) The acquisition of tangible assets or material productive assets, with express exclusion of land and elements of external transport. The sum of the concepts of civil works and building can reach up to fifty percent of the fundable project.
  2. b) The acquisition of intangible assets.
  3. c) Permanent increase of the working capital necessary for the growth of the business derived from the investment project. The sum of the concepts included in this item may reach up to a maximum of twenty-five percent of the fundable project.


SMEs, which take the form of mercantile companies.

Affordable projects.

-Projects aimed at improving and optimizing productive capacities through the modernization and renewal of fixed assets in the company, especially technological assets, advanced machinery, digitalization and warehouse automation and process improvement along the supply chain.

-Investment projects related to the creation of a new business establishment, expansion of the productive capacity of an existing one.

-Development investment projects such as laboratories, pilot plants among others

-Investment projects aimed at energy saving, renewable energy and environmental protection.

-Transfer of industrial establishments: change of location of a production activity to any point in the Region of Murcia.

  1. The investment assets subject to financing must be acquired in ownership by the beneficiary from third parties. In case of acquisition of the assets through deferred payment formulas, these must also become full ownership of the beneficiary before the end of the project execution period, and the expiration and payment of the

deferred amounts.

  1. The financed expenses must be contracted and paid directly between the beneficiary of the loan and the final provider. Suppliers may not be linked to the requesting entity or its governing bodies or managers.


The maximum amount of the loan can reach up to 100 percent of the eligible costs of the project with a minimum amount of financing per beneficiary of 50,000 euros and a maximum of 1,000,000 euros. Considering the characteristics of the type of investment project, loans may be granted for an amount exceeding 1,000,000 euros.

Repayment period: Ten years maximum, including a grace period of up to fifty percent of the total term, with a maximum of three years, adapted to the characteristics of the investment project. The minimum term for granting the loan will be two years.

Interest rate: will consist of the sum of the following types:

Type of reference: For the first year, it will be calculated on the EURIBOR for a year published on the last day of the month prior to the date of the Project Evaluation Committee established in article 15.

In the following years, it will be reviewed annually on the basis of the Euribor for a year registered on the last day of the month of December of the previous year and will come into force as of January 1 of each year.

Additional rate: determined based on the credit rating of the beneficiary company at the time of granting. The additional rate will vary between 0.55% and 2.80%.

The appropriate guarantees will be required according to the characteristics of each operation, with the minimum level of guarantees ranging from 10 percent to 30 percent of the amount of the loan granted.

Application date.

Until December 31, 2018 or budget exhaustion.

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