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 71.5 million

• 60 or 80% SPS 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)

For tangible and intangible investments, net values (excluding VAT) are taken into account, and for working capital, gross values (including VAT) are taken into account. An exception applies to companies that are not VAT payers. For them, all costs are recognized in gross value.

Eligible cost incurrence period: from 1 1. 2025 to 31 12. 2026

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

The application can be submitted on the following application deadlines:

• 20. 3. 2025, 5. 4. 2025, 20. 4. 2025, 20. 5. 2025, 5. 6. 2025, 20. 6. 2025, 5. 7. 2025, 1. 9. 2025, 15. 9. 2025, 1. 10. 2025 and 15 10. 2025 or until funds are exhausted

Publication of the public tender in Ur. l. RS no. 13/2025 of 28 2. 2025:

• Public Call P1 plus 2025
• Call documentation P1 plus 2025
• Special conditions
• 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 2025 – ePortal
  • Completion of the electronic application form in the ePortal
• Business/presentation plan with financial appendix:
  • Call P1 plus 2025 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 sheets/credit rating
  • Annual report submitted to AJPES (balance sheet, profit and loss account)
    • for the year 2023 / valid for application deadlines 20 3., 5. 4, and 20 4. 2025 submitted to AJPES
    • for the year 2024 / valid for application deadlines from and including 20 5. 2025 onwards submitted to AJPES
  • Credit rating in accordance with the latest published accounting statements – AJPES
    • S – BON-1 for companies, sole proprietors, cooperatives and institutions
    • applicants can submit an eS.BON form (online credit information) as proof of credit rating
    • for application deadlines 20 3., 5. 4, and 20 4. 2025, the credit rating based on the annual report for 2023 is taken into account
    • for application deadlines from and including 20 5. 2025 onwards, the credit rating based on the annual report for 2024 is taken into account
    • for companies established in 2024: 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 loan approval, secured by an SPS guarantee
  • the applicant obtains it from one of the participating commercial banks with the Fund
  • you can find a list of participating banks here
• Property valuation
  • 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 2024

• 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
• Attachment to the invoice for the Fund – the attachment must be sent by e-mail 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 the intended use of loans

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