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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

ENISA participative loans for SMEs and startups

ENISA – Préstamos participativos

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€1,500,000

'Préstamos de 25.000 a 1.500.000 euros' as participative loans ('préstamo participativo'), 'Sin garantías' (no personal guarantees) and 'Los primeros 2 años, sólo pagas intereses'. Specialised lines exist: Innovación x Clima, Emprendedoras Digitales (women-led tech SMEs), AgroInnpulso, and Audiovisual e Industrias Culturales y Creativas.

Funder

Empresa Nacional de Innovación S.A. (ENISA), Ministerio de Industria y Turismo

public · national

Deadline: Open all year — 'Convocatoria abierta' — the call is open and applications are submitted continuously through the ENISA client portal while budget lasts.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
major

Major bid — written case, budget, possibly partners.

Who can apply

Spanish SMEs. No personal guarantees are required — 'Tu proyecto y talento' act as collateral. Exact age/size conditions differ per line and are set out in each line's page.

How to apply

  1. Choose the line that matches your company (general or one of the specialised lines). — link
  2. Register in the ENISA client portal and submit the application with the business plan and financials. — link
  3. ENISA analyses the project and the team; if approved, the participative loan is formalised with a 2-year interest-only period.

What you will need

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://www.enisa.es/servicios/financiacion/

"Préstamos de 25.000 a 1.500.000 euros ... Los primeros 2 años, sólo pagas intereses ... Sin garantías ... Convocatoria abierta."

Verified on 14 August 2026

Source: www.enisa.es

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