P1 plus 2023 | Guarantees for bank loans with interest rate subsidy

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Faster, easier, and above all, more affordable access to bank loans for SMEs.

Allocated funds
EUR 66 million

80% coverage of eligible costs

Product information

Call for proposals and documentation

Information for bankers

Closed

to 06.10.2023

Purpose of the call

The purpose of P1 plus 2023 is to provide favorable financing for SMEs, thereby enabling faster, easier, and, above all, more affordable access to bank loans for SMEs.

Deadlines for submitting applications

April 15, May 5, May 25, June 15, July 5, September 1, September 15, October 1, and October 15, 2023.

Information for entrepreneurs

1. Tender and documentation

Publication of the public tender in Ur. l. RS No. 34/2023 of March 24, 2023:

2. Application preparation

Application form P1 plus 2023 – ePortal
- If the applicant opts for professional assistance, they can add an authorized representative for the preparation and submission of the application during the registration of their company or later. The applicant can only appoint an authorized representative if they are also registered on the Fund’s ePortal.
Business/presentation plan
- For application to the credit guarantee line A.1., A.2. or A.3., a BUSINESS PLAN must be prepared.
Financial annex
- For companies (guidance: after clicking on the link “For companies” (consider the financial annex 2021). The process of preparing the financial annex with the financial annex document)
- For sole proprietors (guidance: after clicking on the link “For sole proprietors” (consider the financial annex 2021). The process of preparing the financial annex with the financial annex document)
Balance sheets/credit rating
- Annual report for 2021 or 2022 (balance sheet, profit and loss statement, and statement of balance sheet profit/loss), submitted to Ajpes, on unified forms for state statistics;
- S-BON-1 (Ajpes) for the year 2021 (for application deadlines April 15 and May 5, 2023), for the year 2022 (application deadlines from May 25, 2023 onwards)
- For companies established in 2023: BON-2 (Ajpes) and accounting statements from the date of establishment of the company to the last day of the previous month, depending on the month of submission of the application to the Fund.
Bank decision on the approval of the loan, secured by the Fund’s guarantee (the applicant obtains it from the commercial bank).
Valuation of the property – if the applicant’s project relates to the purchase of business premises, it is necessary to enclose a valuation of the property by an authorized contractor, prepared at least in 2022.

3. Information

Bojana Mikeln (02) 234 12 74
Boris Ritlop (02) 234 12 88
Jasna Kepnik (02) 234 12 42
mag. Boštjan Vidovič (02) 234 12 64 or by e-mail bostjan.vidovic@podjetniskisklad.si