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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, reducing the impact of the current exceptional situation. You will have all the help you need from us to make the application for, and management of, your financing simple, easy and fast.
Líneas de financiación ICO para emprendedores y empresas de Bankinter

Ver SGR/SAECA ICO guarantee facility SGR/SAECA ICO guarantee facility

Financing of productive investment inside and outside Spain.

See information on the 2021 ICO SGR SAECA facility

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.

Ver ICO companies and entrepreneurs facility ICO companies and entrepreneurs facility

Financing of productive investment in Spain.

See information on the 2021 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.

Ver ICO commercial credit facility ICO commercial credit facility

Financing in euros of invoices from commercial activity in Spain.

See information on 2021 ICO commercial credit facility

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.

Ver 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.

Guarantee line.

Maximum amount: Up to €1.5 million with no limit for invoicing or personnel expenses, with application of the specific provisions of the minimum aid regulation. More than €1.5 million with a limit of the higher of the two amounts: Up to 25% of turnover or salary costs for 2019. No limit on applications per customer.

  • Settlement: choose fixed or variable interest.
  • Available for loans, credit, reverse factoring, advances on invoices, factoring and multi-currency credit.
  • Maximum repayment period: up to 5 years. You can apply for a grace period.
  • Availability: until 1 December 2021 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 2021 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 2021 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 2021 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 2021 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 2021 or until the funds available under the line have been used up.