MicroBank BEI
Microcredit

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Financing investment projects and working capital.

You can access finance offered by the EIB Line for your investment project and working capital requirements.

You will be able to finance your project anywhere in the EU.

For whom the finance is designed

Self-employed workers as well as microenterprises with fewer than 10 employees and an annual turnover of up to €2,000,000.

Projects that can be financed

Launch your project in any EU country with the BEI Microcredit. You can fund your project in:


Tangible assets: purchase, renewal or extension of facilities and material, apart from the purchase of land.


Intangible assets: development costs, R&D expenditure, creation or acquisition of distribution networks both within state markets and in other markets within the EU, obtaining or buying patents etc.


Transfer of companies to a new generation or to members of staff, in order to ensure continuity of the company’s business. For this, the enterprise and the buyer must both be SMEs and the cost cannot exceed one million euros. Working capital requirements in the medium and long term.

MicroBank BEI Microcredit conditions

Maximum amount

€25,0001

Total financing

100%

Interest rate

Fixed

Repayment term

between 2 and 6 years

Capital grace period

up to 6 months

Guarantee

Without in rem guarantee

1. Approval of the loan is conditional upon a prior analysis of the applicant's solvency and repayment abilities, in accordance with the entity's risk policies.

Entrepreneurs area

Whether you are an entrepreneur who wants to start a project as a freelancer, or a microenterprise, at MicroBank we believe in you.

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    Create a business strategy and define the foundations of your business.

  • ROCKMANTIC

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    "In a few years I'd love to give work to people as passionate as I am."

  • CREATING EMPLOYMENT

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    CREATING EMPLOYMENT

    Microcredits Map

    Find out all the microcredits we have granted in Spain.