ENISA participative loan for startups
Préstamo participativo ENISA – Financiación para startups y pymes
Unsecured participative loan of EUR 25,000–1,500,000, up to your company's own funds; up to 7 years with up to 2 years' grace; interest in two variable tranches, 0.5% opening fee. Provided by ENISA (Ministerio de Industria y Turismo).
Check if you qualify for ENISA participative loan for startups
Answer a few questions about you and your project. The co-pilot opens ENISA participative loan for startups for you and shows what already fits, what blocks you and what to do next.
- Concrete reasons, not a score
- Deadline and first steps
- Other programs that fit you
Key facts
- Amount
- Unsecured participative loan of EUR 25,000–1,500,000, up to your company's own funds; up to 7 years with up to 2 years' grace; interest in two variable tranches, 0.5% opening fee
- Duration
- Up to 7 years
- Type
- Loan
- Who receives it
- Company
- Equity
- Equity-free
- Repayable
- Yes
- Stages
- Prototype, Pre-revenue, Revenue, Incorporated
- Solo founders
- Yes
- Full-time required
- No
- Company required
- Yes
- University link required
- No
- Application languages
- ES
- Location
- Company incorporated in Spain with Spanish tax domicile
Who can apply
- SME incorporated in Spain as a capital company (SL, SA) or cooperative; autónomos cannot apply
- Own funds (fondos propios) at least equal to the loan requested
- Innovative business model with clear competitive advantages and a viable business plan
- Any sector except real estate and finance
- Accounts filed with the Registro Mercantil; requests over EUR 300k need audited accounts
What usually blocks applicants
- Working as autónomo instead of through a company
- Too little own capital: the EUR 25k minimum loan needs about EUR 25k in own funds
- No filed annual accounts yet, or a business plan that does not show real innovation
Deadline and timing
Any time; decision takes about 60 days once the file is complete
Frequently asked
How much does ENISA participative loan for startups pay?
Unsecured participative loan of EUR 25,000–1,500,000, up to your company's own funds; up to 7 years with up to 2 years' grace; interest in two variable tranches, 0.5% opening fee
Who can apply for ENISA participative loan for startups?
Stages: prototype, pre-revenue, revenue, incorporated. Solo founders can apply. You need a registered company. Location: Company incorporated in Spain with Spanish tax domicile. The full list of conditions is under Who can apply above.
When is the ENISA participative loan for startups deadline?
Any time; decision takes about 60 days once the file is complete
Where do I apply for ENISA participative loan for startups?
On the official page: https://www.enisa.es/servicios/financiacion/startups-y-pymes/. Applications are accepted in ES.
Do I have to pay back ENISA participative loan for startups or give up equity?
Yes, it is repayable. It takes no equity.
Can solo founders apply for ENISA participative loan for startups?
Yes, solo founders can apply.
Sources and verification
Checked on 14 October 2026. Facts read directly from the official source. This page is orientation, not an eligibility decision.
More funding in Spain
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