Objective:
Financially support the implementation and development of business projects in the ICT sectors and the digital content, informediary and the companies of the future, in order to promote the development and launch of new products and services, contributing to the generation of employment and wealth in a sector with high growth potential.
Beneficiaries:
Entrepreneurs and small businesses that promote the development and launch of new products and services in the ICT sectors, digital content (audiovisual, music, video games, digital publications, mobile applications), informediary (public or private sector information systems) and industries of the future (cloud computing, Internet of things, green ICT, mass processing of data).
It claims and conditions:
- Participatory loan.
- Minimum amount: €50,000
- Maximum amount: €1.500.000
- For the determination of the amount is assessed, among other factors, the level of own funds and the financial structure of the company.
- The interest rate will be applied in two sections:
-First stage: one year Euribor + 3.75%
-Second stage: which shall be calculated based on the percentage that, in each year, represents the result of the full year pre-tax. In the event that the rate applicable to this second tranche is negative, is considered zero.
- Maturity: maximum 9 years.
- Lack of the main: maximum 7 years.
- Commission early repayment: equivalent to the amount that the amount amortized advance had earned in respect of the second tranche of interest if it had amortized in the terms established initially.
- Commission of maturity anticipated by change in shareholding: equivalent to the amount that the balance by main live of the loan, at the time of early maturity, if it would have amortized in the terms established initially.
- Quarterly interest and principal repayment.
Not shall be exacted, in General, additional guarantees to the own enterprise project.
The equity loans are financing instruments that contribute resources to long-term companies, without interfering in its management and with interest rates linked to the evolution of the results. ENISA is responsible for receiving funding applications and business plans, analyzing their feasibility and, where appropriate, grant the loan.