The purpose of the product is to directly provide favorable repayable financing sources to micro and small enterprises to cover the costs of business processes and/or projects presented in the financing application.

• From EUR 5,000 to EUR 25,000 of credit
• 100% coverage of eligible business process and/or project costs
  Possibility to submit 1 application.

• EUR 10 million

• Repayment period: from 2 to 5 years
• Moratorium: from 1 to 6 months
  (with the possibility of extension up to ½ of the credit maturity)
• Interest rate: 37.5% of the 6-month EURIBOR + a fixed margin of 0.8%
• Security: 8 company bills of exchange
• No loan management and approval fees

• Status of a micro or small enterprise (sole proprietor, limited liability company, cooperative with limited liability)
• At least 1 employee for full-time employment
• Company established and operating before January 1, 2022
• Credit rating of at least SB7
• The company must not be in difficulty
• The company does not belong to an excluded sector
• »de minimis«

• Drawdown: Purpose-bound and in a single amount
  (no later than 45 days after credit approval)
• Repayment method: monthly, in installments

• 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, and the costs of construction, purchase, and renovation of business real estate.

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.

• Application submission is electronic, via the ePortal of the Fund
• The application can be submitted on the following application deadlines:
  • March 8, 2024, until 2:00 PM
  • April 8, 2024, until 2:00 PM
  • or until all funds are exhausted

Publication of the public tender in Ur. l. RS no. 13/2024 dated 16.2.2024

• Public Call P7 2024
• Call documentation P7 2024
• Special conditions for the P7 2024 call
• 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, they can add an authorized representative 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 for financing P7 2024 MICROCREDITS 2024” 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 documents S.BON-1 or eS.BON (online credit rating) for companies, sole proprietors, and cooperatives based on the annual report for 2022
• Accounting statements for 2022 (balance sheet and income statement), which were submitted to AJPES

• Boris Ritlop (02) 234 12 88
• Bojana Mikeln (02) 234 12 74
• or by email at razpisi@podjetniskisklad.si

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