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.
I have a business idea
I need funding to start up a business.
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.
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.
Always at your side
We provide advice from the very first steps, whatever your level of income.
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.