Company Requirements
To be able to apply for this financing line, your company must meet the following requirements
- Be a society constituted with its own legal personality.
- Develop the activity mainly in Spain.
- The company must be at least two years old, or alternatively, have sufficient market traction through recurring income, signed contracts, objective commercial metrics, or verifiable runway in the case of startups.
- Not have negative equity at the date of application.
- Have sufficient equity, equivalent to 20–30% of the amount to be financed.
- Have achieved profitability and have positive EBITDA, or alternatively, provide adequate guarantors/guarantees for the operation.
- Demonstrate sufficient repayment capacity.
- Not have a risk of default in the CIRBE or doubtful positions at the date of application.
- Not depend more than 40–50% on a single client, unless justified by contractual stability.
- Have an active bank account with transactions in the last 6 months.
- Present a business plan that includes a description of the project to be financed, market analysis, financial projections, and main risks.
