Get your ENISA loan effortlessly

We guide you through the process of accessing ENISA grants and financing the growth of your company. Check in a few minutes if your project is eligible.

You focus on your business, Kleo focuses on how to finance it

We’ve reinvented how businesses access funding: now the funding finds you.

You save time

We handle the search for calls, paperwork, and all administrative steps. You focus on your business, we focus on financing it.

You won’t miss a thing

We continuously monitor the funding ecosystem. If something comes up that fits your company, you’ll know right away.

Improve your results

We help you apply where you can actually win, with well-prepared applications tailored to each specific call.

ENISA 2026: funding that drives innovative startups and SMEs

ENISA is one of Spain's main sources of public funding for companies with innovative projects. It offers participatory loans without the need for collateral, designed to support startups and SMEs in their growth.

Loans without personal guarantees
Access financing without compromising your personal assets. ENISA is committed to the potential of your project and your team, not to external guarantees.
Flexible and tailored conditions
Long terms, no down payment, and competitive interest rates. ENISA makes it easier for money to be used for growth, not for paying back debt too soon.

How we do it

Working with us is that easy

Get financing in just five steps.

Fill out the form

We just need you to tell us the basics: who you are, what stage your project is at, and what you need. Nothing you can't fill out in 3 minutes.

We analyze your case

In a matter of seconds, we verify whether you meet the requirements and see which line is best suited to your company.

Upload your documentation

We tell you exactly what you need to prepare your file without getting lost.

Request the line that interests you most

Choose from the financing options recommended for you and apply for the one that best suits your project with just one click.

Relax, Kleo's got it covered.

We take care of preparing, reviewing, and defending your application.

Financing with Kleo in numbers

More than just numbers, these are success stories. At Kleo, we have helped dozens of SMEs and startups obtain public and private financing, driving their growth and consolidation in the market.

+300h
Hours saved in processing public funding applications.
91%
Public financing lines secured.
“We tried to apply for funding on our own, and it was chaos. With Kleo, we not only discovered opportunities we didn't even know existed, but we also secured €42,000 in less than three months.”

Your funding is just one click away

Complete our viability analysis to find the public funding line that best fits your company.

Don't be left with doubts

Carry out our feasibility analysis to find the public financing option that best suits your needs.

| Kleo

Modality	Préstamo público
Amortization	Up to 12 years old
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	According to the financial plan
Guarantees	N/A

Modality	Subvención a fondo perdido
Amortization	N/A
Interest rate	N/A
Territory	ES-AN
Amount	N/A
Grace period	N/A
Guarantees	not required

Modality	Subvención a fondo perdido
Amortization	N/A
Interest rate	N/A
Territory	ES-AN
Amount	N/A
Grace period	N/A
Guarantees	not required

Modality	Subvención a fondo perdido
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	not required

Modality	Subvención a fondo perdido
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	N/A

Modality	Sello y Certificación
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	N/A

Modality	Incentivo fiscal
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	N/A

Modality	Circulante
Amortization	Periodic on disposed
Interest rate	Eur + 2-5%
Territory	ES
Amount	N/A
Grace period	payment only of interest on the drawn balance; commission from 0.5% APR on available
Guarantees	according to the case

Modality	Préstamo parcialmente reembolsable
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	N/A

Modality	Tax lease
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	Not required

Modality	Préstamo bancario
Amortization	N/A
Interest rate	4-8%
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	according to the case

Modality	Ampliación de capital
Amortization	N/A
Interest rate	N/A
Territory	ES
Amount	N/A
Grace period	N/A
Guarantees	not required