SEF expands financing options with an additional EUR 49.5 million in guarantees with a subsidised interest rate
Date of publication: 20.04.2026
The Slovene Enterprise Fund (SEF) is expanding the public call for guarantees for bank loans with an interest rate subsidy by an additional EUR 49.5 million. In addition to the existing line of general guarantees for investment in business real estate, two new lines are being introduced:
- guarantees for green, digital and circular economy projects, which require meeting at least one sustainability criterion, and
- micro-guarantees for financing working capital, primarily intended to ensure liquidity in smaller amounts.
This enables SEF to provide more comprehensive support to companies—both in implementing larger investments and in ensuring day-to-day operations.
EUR 49.5 million in guarantees for easier access to bank financing
Through the public call P1-2 plus 2026, SEF will enable micro, small and medium-sized enterprises to access a total of EUR 49.5 million in guarantees to secure bank loans. The purpose of the call is to improve companies’ access to more favourable sources of financing, encourage investment, and support projects in the areas of digitalisation, the green transition and the circular economy.
More favourable financing terms for companies
SEF guarantees are an important instrument for reducing risk in corporate financing, as they serve banks as a guarantee for loan repayment. As a result, companies can more easily obtain loans on more favourable terms, while the need for their own funds to secure loans is also reduced. In addition to the guarantee, which can cover 60% or 80% of the loan value, companies are also eligible for a subsidised interest rate and other benefits when taking out a loan with participating banks.
Key guarantee and loan terms of the P1-2 plus 2026 call
The P1-2 plus 2026 call enables financing of larger investments of up to EUR 1,250,000 with a maturity of up to ten years and the option of a moratorium of up to two years, while financing for working capital is available up to EUR 200,000 with a maturity of up to five years.
The interest rate is linked to the six-month EURIBOR plus a margin between 0.25% and 0.75%, which represents competitive financing terms. The loan may cover up to 80% of eligible project costs, with the remainder provided by the company from its own resources. An important advantage of the call is also that there are no additional costs for approving and administering the guarantee.
Simple and digitalised application submission
The application process has been simplified through digitalisation, as companies submit applications electronically via the SEF ePortal.
The call provides for several application deadlines in 2026, namely 20 May, 5 June, 20 June, 5 July, 1 September, 15 September, 1 October and 15 October 2026 . Due to limited funds, the call may be closed early in the event of high demand. Applications will be assessed based on the applicants’ business results for 2025.
Supporting the development of a competitive economy
Through the call, SEF continues its role as a key financial support instrument for the development of the Slovenian economy, enabling companies to more easily implement development projects, increase competitiveness, and transition to more sustainable and digitally oriented operations.
Additional information
The call documentation is available on the Slovene Enterprise Fund website:
Additional information is also available via email at razpisi@podjetniskisklad.si or by calling SEF’s phone numbers.
The project is implemented with the support of the European Union under the InvestEU programme.
