Between €40,000 and €200,000.
ICF Culture Equity Loan
Applications for this loan may be submitted starting on 13th December 2025.
What are equity loans?
They are a financial instrument that provides long-term resources which are considered equity but without interfering in the running of the company as they do not involve the entry of new members or dilute share capital.
Equity loans allow interest to be deducted for tax purposes and an interest rate is charged that will vary each year in line with the company’s performance.
Who can apply for the ICF Culture Participative Loan?
Digital cultural companies incorporated as commercial entities within the last 4 years may apply, provided they are developing new cultural projects and have their registered or operational address in Catalonia.
A company is considered part of the cultural sector if it operates in one of the following areas:
Performing arts (theatre, dance, circus)
Visual arts
Audiovisual (excluding media outlets)
Digital culture
Books (excluding periodical publications)
Music
Multidisciplinary field (covering more than one of the areas above)
What projects can be financed?
Eligible expenses include fixed assets and any costs necessary for developing cultural projects.
Additionally, the business project must be viable, with a scalable business model and a balanced financial structure.
Financial conditions
Up to 7 years, including up to 2 years of principal grace period.
Fixed or minimum of 2.5%, plus a variable component based on the profit before tax (PBT) / average equity ratio, up to a maximum of 10%.
1% arrangement fee on the loan’s nominal amount.
