Zero-interest loans for innovative startups
Smart&Start Italia (Invitalia)
Paid by Invitalia / Ministero delle Imprese e del Made in Italy · 🇮🇹 Italy
What this pays
The published value, how it is calculated, and whether it is cash or a credit ceiling.
Email and a six-digit code, then €50 a year. No password to forget.
Who qualifies
UnlockThe 3 published rules this programme tests you against — age, income, residency, household and the rest.
The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.
2 documents you'll need
UnlockExactly what to gather before you start, so nothing sends you back to the beginning.
Where this comes from
Finanziamento a tasso zero dell'80% delle spese ammissibili
https://www.invitalia.it/incentivi-e-strumenti/smart-start-italia
A researcher has read this record against the official page.
Last checked against the official page on 5 October 2026
Source: www.invitalia.it
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Related reading: How to read a grant eligibility rule
Other business & self-employment support in Italy
8 more programmes are on the paid plan, with the amount, the rules, the documents and the steps for each.
- Guaranteed microcredit for micro-enterprises and professionals
- Central Guarantee Fund for SME loans
- Interest subsidy on loans for capital goods investment
- Tax credit for business investments in the Southern Single Special Economic Zone
- Fund for women's entrepreneurship (grants and zero-interest finance)
- 30% social security contribution relief for Southern employers
- Super-depreciation up to 180% of the fiscal cost of new 4.0 capital goods (Legge di Bilancio 2026)
- Automatic 10% tax credit (max 5M EUR/year) on R&D expenditure, extended to 2031
Similar programmes
Zero-interest finance plus grant for new youth and women-led businesses
Invitalia / Ministero delle Imprese e del Made in Italy
Grants for under-35s starting businesses in Southern Italy
Invitalia / Ministero delle Imprese e del Made in Italy
Guaranteed microcredit for micro-enterprises and professionals
Ministero delle Imprese e del Made in Italy / MCC - Mediocredito Centrale
Fund for women's entrepreneurship (grants and zero-interest finance)
Ministero delle Imprese e del Made in Italy / Invitalia
Interest subsidy on loans for capital goods investment
Ministero delle Imprese e del Made in Italy
30% social security contribution relief for Southern employers
INPS (fiscalita' generale)