Young Entrepreneur Box
Support for financing the acquisition of equipment to start or develop small businesses.
Support recipients: young entrepreneurs up to 40 years of age.
Amount available: up to 50 thousand euros, with a limit of 80% of the total investment value.
Deadlines: up to 72 months (6 years) for the creation of fusion database companies and up to 60 months (5 years) for the modernization and expansion of existing companies.
For more information, contact one of the Caixa Geral de Depósitos branches or call 808 212 213.
Invest+ Line
Credit line designed to support entrepreneurship and the creation of small businesses that generate employment and contribute to the dynamism of local economies.
Support recipients: people registered with employment services, in one of the following situations:
unemployed people registered for 9 months or less, in a situation of involuntary unemployment or registered for more than 9 months, regardless of the reason for registration;
young people looking for their first job, aged between 18 and 35, with at least completed secondary education or level 3 qualification or attending a qualification process leading to obtaining that level of education or qualification;
have never carried out professional activity for someone else or on their own account;
self-employed workers whose average monthly income, in the last year of activity, is less than the guaranteed minimum monthly wage.
Amount Available: in the investment version, amounts between 20,000 and 200,000 euros and in the financing mode, 95% of the total investment, with a maximum limit of 100,000 euros.
Terms: 2-year grace period on capital and repayment within 5 years with monthly installments (constant capital repayments).
ANJE Line
Credit line agreed between Caixa Geral de Depósitos (CGD) and the National Association of Young Entrepreneurs (ANJE).
Support recipients: projects involving young people up to 40 years of age or companies recently established or in the process of being established, whose share capital is mainly held by young people up to 40 years of age.
Amount available: up to 50 thousand euros, with a limit of 80% of the total investment value.
Deadlines: up to 72 months (6 years) for the creation of new companies and up to 60 months (5 years) for the modernization and expansion of existing companies.
To access this support, you must submit your requests to ANJE, which will select the candidates and issue opinions on credit approval.
Caixa Invest Innovation
It is a solution that has the financial support of the European Union through the Horizon 2020 Programme and the European Fund for Strategic Investments (EFSI), created within the scope of the Investment Plan for Europe. It is aimed at companies that seek to improve their economic and financial performance, investing in innovation or simply in the modernization of the organization, processes, products, distribution, for example.
Support recipients: companies with fewer than 500 employees, which intend to develop or implement a new product or service, process, business model, or which are investing in research, with the purpose of improving their economic performance.
Amount available: from €25,000 to €7,500,000 with a repayment period of up to 10 years.
Capitalize Line — Industry 4.0
It is a specific line of credit with mutual guarantee that integrates Caixa's financing solutions for Micro, Small and Medium Enterprises, registered with Mutual Guarantee Societies, IAPMEI and PME Investimentos.
It aims to support the working capital or investment needs of companies dedicated to the production or development of technological solutions within the scope of Industry 4.0.
Support recipients: intended for companies with a turnover of less than or equal to 150 million euros, which are not part of business groups whose consolidated turnover exceeds 200 million, and which cumulatively meet the following requirements:
Develop, produce or acquire technological solutions within the scope of Industry 4.0;
Present a positive net situation in the last approved balance sheet;
Prove the absence of unresolved incidents with banking entities on the date of issue of the contract;
Have your situation regularized with the Tax Administration and Social Security.
