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Unclaimed
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Loans

National Microcredit Programme (MICROINVEST)

Programa Nacional de Microcrédito

Status

Status not published

Submit the Business Dossier to IEFP by email, get the IEFP validation document, then apply to a participating bank. Open all year.

Open now
Amount
€20,000

MICROINVEST credit for investment up to EUR 20,000 (credit up to EUR 20,000), 5-year term with 2 years capital grace and interest subsidy in the first 3 years, plus free technical support. Priority for people aged 16-34 registered as unemployed for at least 4 months.

Funder

Instituto do Emprego e Formação Profissional (IEFP)

public · national

Deadline: Open all year — Submit the Business Dossier to IEFP by email, get the IEFP validation document, then apply to a participating bank. Open all year.

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
moderate

Moderate — a form and supporting documents.

Who can apply

People with difficulty accessing the labour market and at risk of social exclusion with an entrepreneurial profile, or micro-entities and cooperatives with up to 10 workers creating new jobs; at least 16 years old; no bank problems; at most 10 jobs created; people who already received MICROINVEST or INVEST+ cannot use this route.

How to apply

  1. Fill in the Business Dossier and gather the documents
  2. Email the signed dossier and documents to microcredito@iefp.pt
  3. Take the IEFP validation document and the project to a participating bank

What you will need

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://www.iefp.pt/en/empreendedorismo

"O Programa Nacional de Microcrédito facilita o acesso a financiamento de pequeno montante para começar ou ampliar um negócio."

Last checked against the official page on 5 October 2026

Source: www.iefp.pt

Report an error Something wrong or out of date?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

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