Working capital (Circulant)

Loans to finance expenses and current needs of the company and/or institution. Market, innovation or other kinds of research; trade and communication promotion and attendance at fairs; personnel costs and staff training; or regular financing of current assets (sales, stocks and treasury in general).

Special consideration will be given to projects aiming to improve the company’s competitive position, foster growth and expand hiring. It is possible to cofinance with a second financial institution, keeeping the same conditions and guarantees.

Working capital (Circulant)

Financial terms

Amount: minimum of €100,000 and maximum of €10,000,000.

Interest rate: Euribor plus a spread to be determined depending on the project.

Repayment and grace period: between 1 and 5 years, including a grace period of up to 1 year.

Fees: to be determined on the basis of the operation's risk.

Collateral: to be determined on the basis of the operation's risk.

For some cases, the operation can have the guarantee of Avalis de Catalunya


  1. Apply for your working capital loan.
  2. Once you have completed and submitted the form, you will receive instructions by e-mail.

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