INSTITUTIONS AGREEMENT MICROCREDIT FOR BUSINESSES
Getting funding for your business idea has never been this easy
Turn your idea into a real project
With the Institutions Agreement Business Microcredit we offer you the financing you need to make your business idea a reality.
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I have a business idea
I need funding to start up a business.
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Choose a mentor and create your business plan
Choose one of our collaborating institutions located throughout Spain. The institution will help you to draw up a business plan and a feasibility report, both of which are mandatory for the application.
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Fill in the form by clicking on “Start your application”.
Our teams at CaixaBank, specialised in contracting and telephone support, will contact you to inform you of the next steps.
Choose your mentor
Use our search tool to find the collaborating institution that will support you from the very beginning.
- Any product
- Business Microcredit Agreement with Institutions
- Innovation Loan
Easier with Microbank
Find out about the benefits and conditions of the Institutions Agreement Business Microcredit*.
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Maximum amount
€25,000
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Financing of up to
100 %1
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Interest rate
Fixed interest
7,122 % APR, 6,90 % NIR
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Guarantee
No collateral3
(1) Up to 100% of the cost of the project or investment can be financed. The amount may not exceed €25,000.
(2) Optional capital grace period providing that no more than 6 years elapse between repayment and grace period.
(3) MicroBank grants transactions without collateral. For natural persons, loans are granted on the basis of a personal guarantee without requiring a third-party guarantor. For legal persons, a guarantee from the partners is required.
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6,672
New businesses1
Your business plan
Almost 300 institutions working together to support you and help you create your business plan.
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€953M
Granted1
Always at your side
We provide advice from the very first steps, whatever your level of income.
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284
Collaborating institutions1
1 Dades actualitzades el 2021
Whatever your project
We help you to start up anything from self-employment projects to micro-enterprises.
(*) Product advertised: personal loan. Granting of financing subject to prior approval by the institution. The repayment term is 12 to 72 months. There are no origination or assessment fees. The minimum amount is €1 and the maximum amount is €25,000. French repayment system Representative example: APR 7,122 % calculated for a loan of € 10,000. NIR 6.90%. Term of 72 months (6 months grace period and 66 months repayment). Total amount owed € 12.390,66 (capital € 10,000 + interest € 2,390.66). Total cost of the loan: € 2,390.66. Monthly repayment amount: 6 months initial grace period at 57.50 € (interest only) and the remaining 66 months at 182.51 € (capital and interest). APR 7.122 % calculated for a loan of €25,000. NIR 6.90 %. Term of 72 months (6 months grace period and 66 months repayment). Total amount owed € 30,976.32 (capital €25,000 + interest € 5,976.32). Total cost of the loan: € 5,976.32. Monthly repayment amount: 6 months initial grace period at € 143.75 (interest only) and the remaining 66 months at € 456.27 (capital and interest).
Only a grace period for capital at the beginning of the loan has been taken into account to calculate the APR.
This funding is possible thanks to the guarantee provided by the COSME Programme and the European Fund for Strategic Investments (EFSI) set up under the Investment Plan for Europe. The EFSI aims to assist with supporting funding and making productive investments in the European Union along with ensuring increased access to funding.
Granting of financing subject to prior approval by the institution.
CaixaBank, S.A., agent of Nuevo MicroBank, S.A.U., assigned Tax Identification Code A-65619421 and registered in the Official Register of Institutions of the Bank of Spain under code 0133.
NRI: 5424-2022/07809.
