We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on MANAGE OR REJECT COOKIES.
ICO lines
In difficult times, our commitment is to make things easier.
The ICO facilities give you the financing your company needs to continue developing. You will have all the help you need from us to make the application for, and management of, your financing simple, easy and fast.
Extension of Covid-19 guarantees maturity
To continue supporting companies affected by the financial situation caused by Covid 19, we are offering your company the option of extending up to 10 years the maturity of operations backed by the ICO working capital and ICO investment financing guarantees facilities.
DOWNLOAD ALL THE DETAILS (BOE 30.06.22)See Ukraine ICO Line Ukraine ICO Line
ICO-guaranteed financing intended to cover the liquidity needs derived from the crisis stemming from the war in Ukraine.
Who is it for?
For corporates and self-employed workers, with registered office in Spain, from any activity sector except finance and insurance.
Type
Loans and any other type of credit facility.
Apply now
To meet all financing needs, whether for current expenses, working capital or investments.
See SGR/SAECA ICO guarantee facility SGR/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.
Apply now
To meet all your financing, investment, liquidity and cost requirements for running your business, both inside and outside Spain.
See ICO companies and entrepreneurs facility 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.
See ICO commercial credit facility 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.
See ICO facility “Digital Kit Programme” ICO facility “Digital Kit Programme”
You can now apply for the new Digital Kit. A grant of up to €12,000, financed by the Next Generation Funds, to help your company transition to a more digital environment.
See ICO international facility 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.
See ICO exporters facility 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.
See Terms and conditions of ICO lines Terms and conditions of ICO lines
The terms and conditions of the ICO facilities are personalised and we negotiate them individually with each customer.
Ukraine ICO Line
- Settlement: choose fixed or variable interest.
- Available for loans, credit facilities and multi-currency credit.
- Maximum repayment period: up to 10 years.
- Availability: until 1 December 2023 or until the funds available under the line have been used up.
ICO facility for entrepreneurs and companies.
Investments must be in Spain with a maximum amount of €12.5 million per customer in one year.
- 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 2023 or until the funds available under the line have been used up.
ICO commercial credit facility
- Maximum amount: Up to 100% of the value of invoices (VAT included) with deferred payment from sales of goods and services in Spain, providing that the outstanding balance does not exceed 12.5 million euros per customer in one year.
- Settlement: variable interest.
- Maximum repayment period: 180 days.
- Availability: until 31 December 2023 or until the funds available under the line have been used up.
ICO SGR/SAECA credit guarantee facility
- Maximum amount: Up to 100% of your investment and liquidity needs and expenses, up to a maximum of 2 million euros per year.
- 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 2023 or until the funds available under the line have been used up.
ICO international facility
Investments must be outside Spain and up to a maximum of 100% of financing, investment, liquidity and cost needs, with a maximum of €12.5 million/year.
- 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 2023 or until the funds available under the line have been used up.
ICO exports facility.
- Maximum amount: up to 100% of the invoice amount or up to 100% of the value of the goods or services, providing that the outstanding balance does not exceed the limit of €12.5 million per customer in one year.
- Settlement: variable interest.
- Maximum repayment period: 180 days.
- Availability: until 31 December 2022 or until the funds available under the line have been used up.
Got a question?
The Bankinter Corporate help centre has the answer.Contact with us