ICO lines
In difficult times, our commitment is to make things easier.
Extension of the maturity of Covid-19 and Ukraine financing guarantees
As part of our continuing support for corporates affected by the economic effects caused by Covid 19 and the conflict in Ukraine, we are offering your corporate the option of extending up to 10 years the maturity of transactions backed by the ICO Working Capital, ICO Investment and ICO Ukraine financing guarantees facilities.
ICO Covid-19 Extensions file ICO Ukraine Extensions fileSGR/SAECA ICO guarantee facility
Financing of productive investment inside and outside Spain.
Who is it for?
For companies, the self-employed, public and private entities, foundations and NGOs, both domiciled in Spain or domiciled abroad with at least 30% Spanish company capital. They must also be endorsed by a Reciprocal Guarantee Company (SGR) or the Sociedad Anónima Estatal de Caución Agraria (State Agrarian Surety Company - SAECA).
Type
Leasing
Loan.
Request it
To meet all your financing, investment, liquidity and cost requirements for running your business, both inside and outside Spain.
ICO companies and entrepreneurs facility
Financing of productive investment in Spain.
See information on the ICO companies and entrepreneurs facility
Who is it for?
Companies.
Private entities.
Self-employed workers.
NGOs.
Public entities.
Foundations.
Type
Leasing
Loan.
Apply now
If you need liquidity or face costs related to running your business activity.
To meet your financing and investment needs for your business activity.
Remember the activity must be carried out inside Spain.
ICO commercial credit facility
Financing in euros of invoices from commercial activity in Spain.
Who is it for?
Companies with registered offices in Spain.
Self-employed workers.
Type
invoice advances.
Apply now
You can request an advance of up to 100% of the value of your invoices for sales of goods or services issued to customers in Spain, due in no more than 180 days.
Terms and conditions of ICO lines
The terms and conditions of the ICO facilities are personalised and we negotiate them individually with each customer.
ICO SGR/SAECA credit guarantee facility
- Maximum amount: up to 100% of loans and/or liquidity needs and expenses.
- Settlement: fixed or variable interest.
- Maximum repayment period: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 12 or 15 years. You can apply for a grace period.
- Availability: until 31 December 2026 or until the funds available under the line have been used up.
ICO facility for entrepreneurs and companies.
Investments within and outside the national territory, provided there is Spanish interest. No maximum amount.
- Settlement: fixed or variable interest.
- Maximum repayment period: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 12, 15 or 20 years. You can apply for a grace period.
- Availability: until 31 December 2026 or until the funds available under the line have been used up.
ICO commercial credit facility
- Maximum amount: Up to 100% (VAT included) of the nominal value of the invoice issued with deferred payment resulting from the firm sale of goods and services within the national territory.
- Settlement: variable interest.
- Maximum repayment period: 180 days.
- Availability: until 31 December 2026 or until the funds available under the line have been used up.
ICO international facility
Financing of productive investment outside Spain.
Who is it for?
For companies, the self-employed, public and private entities, foundations and NGOs, both domiciled in Spain or domiciled abroad with at least 30% Spanish company capital, that want to invest abroad.
Type
Loan.
Apply now
To meet needs for finance, liquidity, investment and expenses related to your business activity, provided that it is in Spain.
ICO exporters facility
Pre-financing and financing in euros for export invoices.
Who is it for?
Companies with registered offices in Spain.
Self-employed workers with registered offices in Spain.
Type
Advance payment of invoices.
Apply now
If your company needs liquidity to cover the costs of preparing or producing goods or services for export, i.e. before delivery. You can request up to 100% of the value of your sale.
If your company needs liquidity. You can apply for an advance of up to 100% of the value of invoices for sales of goods and services issued to customers with registered offices abroad, due in no more than 180 days.
Terms and conditions of ICO lines
The terms and conditions of the ICO facilities are personalised and we negotiate them individually with each customer.
ICO international facility
Investments must be made outside Spain and will receive up 100% of the financing amount required, covering the investment, cash requirements and expenses.
- Settlement: fixed or variable interest.
- Maximum repayment period: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 12, 15 or 20 years. You can apply for a grace period.
- Availability: until 31 December 2026 or until the funds available under the line have been used up.
ICO exports facility.
- Maximum amount: up to 100% of the nominal amount of the invoice or up to 100% of the amount of the sale of goods or provision of services.
- Maximum repayment period: 180 days.
- Availability: until 31 December 2026 or until the funds available under the line have been used up.