Natural persons, micro-enterprises, small or medium-sized enterprises in the retail, catering and services sector, as well as similar services, can apply for this loan.
They must have been in the activity being financed for at least 4 years; have at least one physical point of sale in Catalonia or plan to open one; as well as prove an accumulated increase in turnover of 12% between the end of 2021 and the end of 2024.
If the 2025 accounts have already been closed and approved, it is necessary to prove an accumulated increase in turnover of at least 9% between the close of 2022 and the close of 2025.
This percentage represents the accumulated variation in the Consumer Price Index (CPI) for the same period.
These loans allow you to finance investments and working capital needs (up to a maximum of 25% of the total amount for working capital).
Between €25,000 and €150,000 per operation; and up to €150,000 per beneficiary.
Up to 7 years, including a 1-year grace period.
Fixed rate of 0.95%. This rate already includes the 3-percentage-point subsidy provided by the Department of Business and Labour.Tipo fijo del 0,95%.
Early repayment fee of up to 0.25% of the amount repaid.
To be determined according to the project and loan term.
