ICO lines

Self-employed workers and companies with residence, registered office or production establishment in one of the affected locations, who have suffered financial losses due to the flash floods and who are not subject to international financial sanctions, sentences of loss of subsidies and/or public aid, a B- credit rating or bankruptcy.

Loan.

If your company is waiting to receive compensation or aid, this credit facility will guarantee the loan granted by the bank as an advance and will allow you to address your most urgent needs.

Self-employed workers and companies that operate in the affected towns and have suffered damage, including means of transport linked to business or professional activity.

Loans.

Credit.

If your business's production capacity has been affected by the flash floods, this guarantee will be implemented on top of new financing operations aimed at the modernisation of your damaged assets or other investments that allow you to expand, improve or diversify your affected establishment or production process, as well as having the appropriate working capital.

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).

Leasing

Loan.

To meet all your financing, investment, liquidity and cost requirements for running your business, both inside and outside Spain.

Companies.

Private entities.

Self-employed workers.

NGOs.

Public entities.

Foundations.

Leasing

Loan.

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.

Companies with registered offices in Spain.

Self-employed workers.

invoice advances.

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.

• Maximum amount: The sum of the compensation requested from the Insurance Compensation Consortium, which may not exceed the principal insured by the insurance policy and the expected amount of the aid requested.
• Settlement: fixed or variable interest.
• Maximum term: 5 years with a grace period until the aid is received.
• Fees: no voluntary early repayment fees.

• Requirements: Financing guaranteed by the same aid or compensation cannot be obtained at more than one financial institution.

  The financial institution will approve applications in accordance with its risk procedure and policies but approval will not be conditional upon purchasing any other service or product.

  The loan applicant will assign the rights to collect the compensation or aid requested, which will be pledged in favour of the financial institution, to meet the payment obligations arising from the loan.

• Availability: until 30 November 2025 or until the funds available under the facility have been used up. Guarantees may be granted until 31 December 2025.

• Maximum amount: up to €12,500,000 per company.
• Maximum term: up to 5 years for current operations. Up to 7 years for modernisation and investments. Up to 10 years for modernisation and investments for corporates in the agricultural sector. Grace periods on principal of up to 24 months.
• Settlement: fixed or variable interest.
• Committees: no voluntary early repayment fees.

• Requirements: The financial institution will approve applications in accordance with its risk procedure and policies but approval will not be conditional upon purchasing any other service or product.

  The financial institution may ask applicants to provide any guarantees it considers necessary to approve the financing operation, taking into account the guarantee associated with it.
• Availability: until 30 November 2025 or until the funds available under the facility have been used up. Guarantees may be granted until 31 December 2025.

• 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 2025 or until the funds available under the line have been used up.

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 2025 or until the funds available under the line have been used up.

• 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 2025 or until the funds available under the line have been used up.

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.

Loan.

To meet needs for finance, liquidity, investment and expenses related to your business activity, provided that it is in Spain.

Companies with registered offices in Spain.

Self-employed workers with registered offices in Spain.

Advance payment of invoices.

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.

Las inversiones deberán realizarse fuera del territorio nacional y tendrán un máximo de hasta el 100% de las necesidades de financiación, inversión, liquidez y gastos.

• Liquidación: interés fijo o variable.
• Plazo máximo de amortización: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 12, 15 ó 20 años. Es posible solicitar un periodo de carencia.
• Vigencia: hasta el 31 de diciembre de 2025 o hasta agotar los fondos de la línea si este hecho es anterior.

• Importe máximo: hasta el 100% nominal de la factura o hasta el 100% del importe de la venta de los bienes o prestación del servicios.
• Plazo máximo de amortización: 180 días.
• Vigencia: hasta el 31 de diciembre de 2025 o hasta agotar los fondos de la línea si este hecho es anterior.

• Importe máximo: hasta el 100% del coste del proyecto.
• Plazos de amortización: de 1 a 20 años, para préstamos y hasta 10 años en leasing. Con la posibilidad de hasta 3 años de carencia de principal.
• Liquidación: interés fijo o variable.
• Vigencia: hasta el 01 de junio de 2026.

• Importe máximo: hasta el 100% del coste del proyecto.
• Plazos de amortización: de 1 a 20 años, para préstamos y hasta 10 años en leasing. Con la posibilidad de hasta 3 años de carencia de principal.
• Liquidación: interés Fijo o variable.
• Vigencia: hasta el 01 de junio de 2026.