ICO Growth Exporters
This line of financing is aimed at improving access to credit for SMEs affected by changes in the global tariff environment, boosting business investment, especially in intangible assets, and strengthening their capacity for growth and internationalization.
Dates
Deadline for submitting applications: July 1, 2026
Beneficiaries
The beneficiaries may be small and medium-sized companies that take the form of a commercial company, have their registered office or place of business in Spain and have been in existence for at least four years.
Companies must meet ICO’s general financing requirements and be affected by changes in the global tariff environment.
In general, they must have audited annual accounts for the last two fiscal years, although those companies that provide a guarantee of 100% of the transaction granted by a Mutual Guarantee Company may also be eligible.
Scope
Investments in the following are eligible for financing:
Tangible assets, such as land, industrial buildings, technical installations, machinery, technological equipment, furniture or renewable energy installations.
Intangible assets, including research and development expenses, software, databases, industrial property, training, brand development or prospecting for new markets.
Financial assets, such as the acquisition of corporate holdings or treasury stock to facilitate generational replacement.
Working capital linked to the investment, up to a maximum of 30% of the project.
Consulting fees, credit rating and commissions associated with the financing.
Amount
The loans have a minimum amount of 50,000 euros, with no established maximum, and can finance up to 80% of the investment, or 100% in the case of certain consulting expenses.
The amortization period is between 5 and 10 years, with the possibility of a grace period of up to 2 years.
The line incorporates a 100 basis points bonus on the market interest rate and may include a non-refundable tranche of up to 30% of the nominal value of the transaction, with a maximum of 200,000 euros, subject to compliance with the established requirements.
Resources
Contact us for more information!
- Isabel López
- Technical Aids
- ilopez@amec.es