The purpose of the product is to enable micro, small, and medium-sized enterprises to obtain bank loans more quickly, easily, and affordably for the implementation of technologically demanding and/or less demanding projects, with an emphasis on supporting projects in the field of digitalisation / green / circular economy.

• EUR 49.5 million

• 60 or 80% SEF guarantee for securing a bank loan
• Up to EUR 1,250,000 of bank loan for investments
• Up to EUR 200,000 of bank loan for working capital
• 80% coverage of eligible costs, the difference being own funds

Possibility to submit 2 applications for different credit-guarantee lines.

• Repayment period:
  • from 1.5 years to 5 years for working capital
  • from 1.5 years to 10 years for investments
• Moratorium:
  • up to 6 months for working capital
  • up to 24 months for investments
• Interest rate: 6-month EURIBOR + 0.25% to 0.75%
• Loan security: Carried out by the bank in accordance with its terms and conditions
• Guarantee security: The bank is authorized for the entire security procedure and the recovery procedure for the unpaid part of the principal and interest of the loan.
• No guarantee management and approval costs, the loan approval fee is determined in accordance with the bank’s tariff

• Main condition: Positive bank decision on loan approval
• Status of a micro, small or medium-sized enterprise with its registered office in the Republic of Slovenia
• Organized as a sole proprietor, company, cooperative and institution, and social enterprise so.p.
• At least 1 employee for full-time and less than 250 employees
• Annual turnover does not exceed EUR 50 million
• Balance sheet total does not exceed EUR 43 million
• Credit rating at least D2 according to GVIN or rating at least 4 according to EBONITETE.SI
• The company must not be in difficulty
• The company does not belong to an excluded sector
• “De minimis”

• Tangible investments (costs of purchasing new machinery and equipment, purchase of land, costs of communal and infrastructural equipment of land, construction, renovation and/or purchase of business premises)
• Intangible investments, which mean investments in intangible fixed assets (e.g. patents, licenses, trademarks)
• Working capital (costs of material and merchandise, costs of services, labor costs)

Net values (excluding VAT) are considered for tangible and intangible investments and working capital. An exception applies to companies that are not VAT payers, for whom all costs are recognized at gross value.

Eligible cost incurrence period: from 1 1. 2026 to 31. 12. 2027

The application is submitted electronically via the ePortal of the Fund.

The application can be submitted on the following application deadlines:

• 20. 5. 2026, 5. 6. 2026, 20. 6. 2026, 5. 7. 2026, 1. 9. 2026, 15. 9. 2026, 1. 10. 2026 and 15. 10. 2026 or until funds are exhausted

Publication of the public call on 20. 4. 2026:

• Public Call P1-2 plus 2026
• Tender Documentation P1-2 plus 2026
• Special conditions
• Form: Authorization for signing and submitting an application
• List of participating banks

• 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

• Application Form P1 plus 2026 – ePortal
  • Completion of the electronic application form in the ePortal
• Business plan with financial annex:
  • The P1 plus 2026 Call requires a business plan with a financial appendix:
    • Tool for creating a business plan
    • The tool for creating a financial appendix is separate for:
      • companies
      • sole proprietors
• Balance sheet and income statement for 2025
  • Financial statements must be submitted in the same format as they were submitted to AJPES, including all associated AOP data.
  • Companies established in 2026 must submit financial statements for the period from the date of establishment until the last day of the previous month, relative to the month of application submission to the Fund.
• Bank decision on credit approval, secured by SEF guarantee
  • the applicant obtains it from one of the participating commercial banks with the Fund
  • You can find the list of participating banks here
• S.BON-1 (AJPES)
  • For commercial companies, sole proprietors, cooperatives, and institutions, the submission of the S.BON-1 form is mandatory, which must be based on the latest publicly available financial statements. S.BON-1 with data from the 2025 annual report will be considered.
  • Applicants may also submit the eS.BON form (online printout from AJPES) instead.
  • Companies established in 2026 submit the BON-2 form.
• Property valuation
  • if the applicant’s project relates to the purchase of business premises, an appraisal of the property by an authorized contractor, prepared at least in 2025, must be attached to the application

• Boris Ritlop (02) 234 12 88
• Jasna Kepnik (02) 234 12 42
• mag. Boštjan Vidovič (02) 234 12 64 or by e-mail: razpisi@podjetniskisklad.si

• Instructions regarding the drawing of loans
• Summary of activities for successful implementation
• Sample Loan Approval Decision
• Annex to the invoice for the Fund – the annex must be sent via email to Petra Kujavec, Petra.Kujavec@podjetniskisklad.si
• Credit drawdown form– The report must be sent by e-mail to Petra Kujavec, Petra.Kujavec@podjetniskisklad.si
• Report on the status of loans– The report must be sent by e-mail to Petra Kujavec, Petra.Kujavec@podjetniskisklad.si
• Control of targeted use of the loan

The guarantee benefits from the support of the European Union through the InvestEU Fund.