The purpose of the product is to directly provide favorable returnable financing sources to micro, small and medium-sized enterprises in order to cover the costs of business processes and/or the project presented in the financing application.

• EUR 10 million

• 31. 1. 2025 in the Official Gazette l. RS, no. 5/2025

• From EUR 5,000 to EUR 25,000 of credit
• 100% coverage of eligible costs of business processes and/or project

A borrower may be granted a maximum of one (1) microcredit under this public tender. Companies that have obtained a loan under the public tender P7-2 2024 (publication of the tender: Official Gazette of the Republic of Slovenia No. 74/2024 of 06.09.2024) are not eligible to apply for this public tender.

• Repayment period: from 2 to 5 years
• Moratorium: from 1 to 6 months /with the possibility of extension to a maximum of 1/2 of the credit maturity/
• Interest rate: 37.5% of the 6-month EURIBOR + fixed margin of 0.8%
• Credit security: 8 promissory notes of the company
• No loan management and approval fees

• Status of micro, small or medium-sized enterprise with headquarters in the Republic of Slovenia
• Organized as a company or entrepreneur under the Companies Act – ZGD-1 or a cooperative established and operating under the Cooperatives Act – ZZad
• At least 1 employee for full-time employment
• Company established and operating before 1. 1. 2023
• When submitting the application, the company has been operating with the same tax number for at least six (6) months
• The company must not be in difficulty
• The company does not belong to an excluded sector
• »de minimis aid«

• Tangible fixed assets (purchase of new equipment)
• Intangible fixed assets (purchase of patented rights, licenses, etc.)
• Costs of material and merchandise
• Service costs
• Labor costs (net salary, income tax, contributions, meal costs, allowance,…)
• Charged related VAT on other eligible costs

Eligible costs do not include the purchase of vehicles for road freight transport, the costs of construction, purchase and renovation of business real estate, and the construction of solar power plants.

Period of eligible costs: Eligible costs of the business process/project can be incurred up to 6 months before the submission of the application and 18 months after the approval of the credit.

The application is submitted electronically via the Fund’s ePortal.

The application can be submitted on the following application deadlines:

• 20. 2. 2025 until 14:00,
• 20. 3. 2025 until 14:00,
• or until funds are exhausted.

Publication of the public tender in Ur. l. RS no. 5/2025 of 31 1. 2025:

• Public tender P7-2 2025
• Tender documentation P7-2 2025
• Special conditions for the tender P7-2 2025
• Reporting instructions
• Request for loan disbursement
• Municipalities classified in the Eastern/Western cohesion region

• Before completing the application form, the applicant registers and creates a company profile
• If the applicant needs assistance in preparing the application, he can add an authorized person who is also registered on the Fund’s ePortal
• You can view the operation of the ePortal for submitting the application in the presentation video

• Fund form – ePortal
  • Completion of the electronic form »Application Form P7-2 2025 Microcredits 2025– « in the ePortal, which includes:
    • Questionnaire for determining the political exposure of a person
    • Questionnaire for determining connections with a high-risk country
    • Authorization for the needs of data verification at FURS
• Mandatory financial attachments
  • Creditworthiness certificates S.BON-1 or eS.BON (online credit rating) for companies, sole proprietors and cooperatives based on the annual report for 2023
  • Accounting statements for 2023 (balance sheet and income statement), which were submitted to AJPES
• Additional evidence:
  • Audited annual report, in the event that the borrower is legally obliged to prepare a consolidated annual report and it has not yet been published on the AJPES website

• (02) 234 12 88
• (02) 234 12 42
• (02) 234 12 64 or by e-mail: razpisi@podjetniskisklad.si

Co-financing of the Republic of Slovenia and the EU from the European Structural and Investment Funds