We have set our goals, including the provision of additional financial resources, to approve favourable financial and substantive incentives for small and medium-sized enterprises, start-ups and scale-ups, and thus encourage new investments in the economy.

We play an important role in the Slovenian environment because we act as:

1. Provider of guarantees for bank loans

   The guarantee line represents the most important financial line of the SEF, representing on average more than 80% of all approved funds per year. We cooperate with all Slovenian commercial banks as a provider of guarantees for bank loans with an interest rate subsidy to SMEs. Bank loans can be used for larger investment projects or to finance working capital.
   

2. Provider of micro loans and specific credit lines
   Microloans are tailored to the needs of SMEs, the self-employed, start-ups and scale-ups who face difficulties in accessing traditional banking services in the market.
3. Co-creator of the start-up and scale-up ecosystem in Slovenia
   
4. Key co-investor of seed and venture capital in Slovenia
   Since 2010, we have been focusing on supporting young innovative companies with alternative sources of equity financing, which are still in development on the Slovenian market. Through seed and venture capital investments, together with private investors – business angels, corporations, seed and venture capital funds, we support young fast-growing companies with potential for global growth.
5. Provider of programs for increasing competences and skills in SMEs
   Through vouchers, we provide 60% co-financing of various business services that improve the competitive position of companies and the quality of their operations. Through a simple and fast approval process the companies get access to lower value incentives in the form of grants. SMEs get access to co-financing of individual services, by a simple application process, with the help of which they can strengthen their competitiveness and competencies.
6. Partner in promoting sustainable development in Slovenia
   We cooperate and connect with many Slovenian and foreign institutions to achieve maximum success in financing SMEs.
7. Partner in promoting sustainable development at the international level
   Due to the small market and slowing economic growth in EU markets, internationalization is a key element for the growth of supported companies. Assistance in internationalization is becoming an important element in the implementation of financial lines and in all content support programs.
8. An efficient public financial institution