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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

Registered office and main activity in Spain; SMEs with viable, innovative projects; own funds at least equal to the amount requested; no guarantees; up to 7 years with up to 2 years grace.

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."

Last checked against the official page on 5 October 2026

Source: www.enisa.es

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