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Loans

Innovation Guarantee Fund (Hellenic Development Bank)

Ταμείο Εγγύησης Καινοτομίας (ΕΑΤ)

Status

Status not published

Listed under current programmes with no closing date; apply through the PSKE (ependyseis.gr) system and a participating bank.

Open now
Amount
€400,000

Loan guarantee of 80% plus a grant of 15-20% of the loan principal (15% for innovation criteria, 5% more for ESG criteria), loans EUR 25,000 to EUR 400,000, up to 10 years, zero guarantee fee, real collateral capped at 20% of the loan.

Funder

Hellenic Development Bank (HDB) with NSRF 2021-2027 resources

public · national

Deadline: Open all year — Listed under current programmes with no closing date; apply through the PSKE (ependyseis.gr) system and a participating bank.

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
quick

Quick — mostly identity and bank details.

Who can apply

Existing and start-up micro, small and medium enterprises that meet at least one innovation eligibility criterion and are creditworthy; not for refinancing existing loans.

How to apply

  1. Express interest in the State Aid Information System (PSKE) at www.ependyseis.gr and select a participating bank
  2. Bank assesses creditworthiness and innovation criteria and signs the guaranteed loan
  3. Request the grant after the investment, once innovation (and ESG) criteria are met within 36 months of first disbursement

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://hdb.gr/en/innovation-guarantee-fund/

"combining, for the first time, the provision of a loan guarantee and a grant of up to 20% of the loan capital"

Last checked against the official page on 5 October 2026

Source: hdb.gr

Report an error Something wrong or out of date? Tell us.

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