Slovene Enterprise Fund announces €10 million in loans for companies in border problem areas
Date of publication: 14.04.2026
Companies have access to favorable financing of up to €100,000, which enables quick and easy acquisition of funds to ensure liquidity and implement developmental investments. The tender prioritizes projects focused on sustainable development, particularly in the areas of energy and material efficiency, as well as the digital and automated transformation of business and production processes. Through this measure, SEF contributes to reducing developmental disparities between border and more developed regions and strengthens the competitiveness of the Slovenian economy.
Micro, small, and medium-sized enterprises that have at least one employee and were established before January 1, 1. 2024 or before January 1, 1. 2025 and achieve a credit rating of at least SB8 are eligible to apply for the tender. A condition for application is also that the company has its headquarters or a business unit in one of the defined border problem areas where the project will be implemented, in accordance with the company’s application.
Companies can use the allocated funds for a wide range of business needs, including the purchase of new machinery and equipment, investments in commercial real estate, digitalization (software, patents, licenses), procurement of materials and merchandise, service and labor costs, including salaries, and other operating costs.
The loan is designed as an accessible and business-friendly financial instrument, as it allows for the financing of up to 100% of eligible costs with no approval or management fees. A fixed interest rate of 1.4% per annum ensures repayment predictability, and companies also have the option of a moratorium on principal repayment for up to six months.
Key loan terms:
- Loan amount: from €5,000 to €100,000
- Interest rate: fixed 1.4% per annum (APR)
- Maturity:
- from 2 to 5 years for loans up to €25,000
- from 2 to 7 years for loans over €25,000
- Moratorium: up to 6 months (included in the repayment period)
- Financing: up to 100% of eligible costs
- Costs: no approval or management fees
- Collateral:
- 8 company promissory notes for loans up to €25,000
- 8 company promissory notes and 8 personal guarantor (owner) promissory notes for loans over €25,000
SEF continues its focus on providing accessible and development-oriented financial resources for companies operating in more challenging regional environments.
Application deadline
The application process remains simplified and fully digitalized. Applicants submit their applications electronically via the SEF ePortal, which provides companies with fast, transparent, and user-friendly access to incentives.
The deadlines for submitting applications are:
- May 4, 2026, by 2:00 PM,
- June 4, 2026, by 2:00 PM, and
- July 4, 2026, by 2:00 PM
or until all funds are exhausted.
The full public tender P7R 2026 is published on the Slovene Enterprise Fund website: https://www.podjetniskisklad.si/p7r-2026-krediti-za-podjetja-iz-obmejnih-problemskih-obmocij-v-republiki-sloveniji/ , where the conditions, criteria, and application process are defined in detail.
