Kleo
CDTI

Your subsidized loan LIC (Línea Directa a la Innovación), effortless

Mixed financing, loan and grant, for companies adopting emerging technologies.

Check if your company is eligible

Fill in the form and we'll tell you whether your company meets the eligibility criteria for this funding.

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We work with the best funding institutions

We partner with public, private and banking organizations to give you access to the best funding options available.

  • ENISA
  • CDTI
  • Banco Sabadell BStartup
  • Instituto de Crédito Oficial
  • Red.es

Is this funding right for you?

Everything you need to know about LIC (Línea Directa a la Innovación) and how to get it.

AmountFrom €131,250 to €5,100,000
ModalityPréstamo público
TerritorySpain
Resolution deadlinesBetween 4 and 6 months

Requirements

Company Requirements

To be able to apply for this financing line, your company must meet the following requirements

  • Be a validly constituted company with its own legal personality, and carry out the innovation project in Spain. Since the July 2026 version of the fact sheet, having its tax domicile in Spain is no longer required.
  • Eligible legal forms: companies incorporated under the Capital Companies Act (S.L., S.A., partnership limited by shares), and entities whose main activity is economic, such as agricultural processing companies, cooperatives, employee-owned companies, public business entities and state-owned commercial companies.
  • The following cannot be beneficiaries: individuals, self-employed workers, communities of property, civil or general partnerships, economic interest groupings, temporary business consortia (UTE), securities investment and asset-holding companies, and research organisations or public or private R&D&I centres, whatever form they take.
  • Associations and foundations may be beneficiaries provided they carry out an economic activity on a regular basis and have been registered for business tax (IAE) for at least two years.
  • Entities constituted or established in a country or territory on the EU list of non-cooperative jurisdictions for tax purposes cannot be beneficiaries (new in 2026).
  • Not be an undertaking in difficulty within the meaning of article 2.18 of Regulation (EU) 651/2014. Large companies whose individual credit rating is below B- are rejected outright.
  • Be up to date with tax and social security obligations, and with the repayment of any aid previously granted by the CDTI, both at company level and at the level of the group it belongs to under article 42 of the Commercial Code.
  • Comply with the payment terms set out in Law 3/2004 on late payment, evidenced by a responsible declaration.
  • Sectors excluded from the line itself (de minimis Regulation (EU) 2023/2831): primary production of agricultural, fishery and aquaculture products; processing and marketing of those products where the aid depends on the price or quantity purchased or marketed, or is passed on to primary producers; export-related activities; and aid conditional on using national goods and services over imported ones.
  • Sectors excluded only from ERDF co-financing, not from the line: nuclear power plants, tobacco, airport infrastructure, technology for exclusively military use, reduction of greenhouse gas emissions from Annex I activities, landfills and waste treatment, and fossil fuels. A project in these fields can still be funded with CDTI funds, forgoing the ERDF route. Dual-use technology is expressly eligible.
  • ERDF 2021-2027 co-financing is reserved for SMEs, except in the Canary Islands, where large companies located there may also be co-financed. Small mid-caps (up to 499 employees that are not SMEs) may also be co-financed for research and innovation activities.

Limits

The following limits apply to this financing line

  • The total de minimis aid granted to a single undertaking may not exceed 300,000 euros over any three-year period. "Single undertaking" covers all companies linked by any of the control relationships in article 2.2 of Regulation (EU) 2023/2831, which is not the same as the commercial group.
  • LIC aid is incompatible with any other aid for the same project.
  • Guarantees presented to the CDTI may not be backed or counter-guaranteed with EU budget funds or any other public funds, national ones included.

Pricing

A transparent model aligned with your success

Feasibility analysis

We analyze your company profile and confirm which funding options are available for you.

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Check your eligibility

What's included:

  • Smart Matching: every funding option compatible with your company
  • Prioritized recommendations based on your current needs
  • Instant eligibility diagnosis
Service guarantee*

Per-application fee

Upfront fee for managing your application.

€1,999

What's included:

  • Activation and analysis of your application
  • Documentation preparation
  • Application management and processing
  • Follow-up and support

Success fee

Percentage of the funds obtained.

3% - 12%

Conditions:

  • You only pay it if you secure funding
  • Calculated on the total amount granted to you

*If we don't submit your application as agreed in the Terms and Conditions, we'll refund the upfront fee.

How we do it

Get funding in just five steps

We've reinvented the way funding is found: now funding comes looking for you.

Create your account

Tell us the basics: who you are, where your project stands and what you need.

We analyze your case

Apply for the funding that interests you most

Upload your documentation

Relax: Kleo takes care of it

Kleo in numbers

Focused on growing your business

Success rate
86.3%

We've thoroughly analyzed funders' requirements to guarantee our clients' success.

Funding managed
+€45M

We've helped our clients secure more than 45 million euros in funding.

Financial products
+120And growing!

We have so many options that you'll always find the right solution for your business.

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