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.

  • 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*.

  • Maximum amount


  • Financing of up to

    100 %1

  • Capital grace period of up to

    6 months 2

  • Repayment term up to

    6 years

  • Interest rate

    Fixed interest

    7,122 % APR, 6,90 % NIR

  • Guarantee

    No collateral3

  • Tu plan de negocio


    New businesses1

    Your business plan

    Almost 300 institutions working together to support you and help you create your business plan.

  • Always at your side



    Always at your side

    We provide advice from the very first steps, whatever your level of income.

  • Whatever your project


    Collaborating institutions1

    1 Dades actualitzades el 2021

    Whatever your project

    We help you to start up anything from self-employment projects to micro-enterprises.

Find a partner institution near you to help you get this financing