Your subsidized loan Préstamos bonificados IVF pyme inversión 2026, effortless

Company Requirements

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

• Be a legal entity that meets the definition of an SME:
  • Fewer than 250 employees.
  • Annual turnover not exceeding 50 M€ or annual balance sheet total not exceeding 43 M€.
• Have at least one establishment or branch located in the Valencian Community or, if none exists, the submitted project must be intended to establish its first establishment or branch there.
• At the time of application, the company must demonstrate that it has been in operation for at least two years and have at least one employee or one self-employed individual who is a corporate partner. This requirement does not apply when the project involves the establishment of a newly created legal entity whose registered office will be located in the Valencian Community.
• Possess or be in a position to obtain all the licenses, authorizations, and permits necessary for the project’s implementation.
• Be up to date on tax obligations to the State and the Generalitat, as well as Social Security obligations. Debts that have been deferred, paid in installments, or for which enforcement has been suspended are considered current.
• Not be affected by any of the following situations:
  • Issues with financial institutions listed in CIRBE and/or in delinquency registries.
  • Negative equity as of the date of the most recent financial statement, unless it can be demonstrated that the equity imbalance has been corrected by the date the application is submitted.
  • Continuing losses in the last two fiscal years.
• Excluded sectors (based on the SME’s primary activity):
  • Economic activities that are illegal under national law.
  • Production and trade of tobacco and distilled alcoholic beverages.
  • Financial, real estate, and insurance sectors.
• The following are not eligible: public-law entities, public universities, autonomous agencies, public enterprises, public commercial companies (where more than half of the share capital belongs to a public administration), public foundations, and companies in which these entities hold a majority stake.

Limits

The following limits apply to this financing line

• De minimis regime (Regulation (EU) 2023/2831): total de minimis aid granted to a single undertaking may not exceed €300,000 over any three-year period.
• Agricultural de minimis (Regulation (EU) No 1408/2013): cap of €50,000 per single undertaking over any three-year period. National ceiling for Spain: €1,220,600,000.
• Article 17 of Regulation (EU) No 651/2014 (SME investment aid): aid intensity may not exceed 20 % of eligible costs for micro and small enterprises, nor 10 % for medium-sized enterprises. Notification threshold: €8.25M per undertaking and investment project.
• Undertakings in difficulty cannot benefit from Regulation (EU) No 651/2014.
• Export-related aid and aid conditional on the use of domestic goods or services over imported ones are excluded.
• Maximum risk per beneficiary, including companies within its group under Article 42 of the Commercial Code: €2,000,000.
• Should the subsidy exceed the maximum aid the beneficiary may receive, the IVF may set an interest rate above 1.75 % or adjust the amount, term or grace period to keep the implicit aid within the limits.