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 33 million

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

Possibility of approving 1 application.

• Repayment period:
  • from 1.5 years to 10 years for investments
• Moratorium:
  • up to 24 months for investments
• Interest Rate: 6-month EURIBOR + 0.50%
• 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”

• Investments in business real estate:
  • land purchase
  • costs of utility and infrastructure equipping of land
  • costs of construction, renovation, and/or purchase of business real estate
• Purchase of new machinery and equipment (only in combination with investment in business real estate)

The total amount of eligible project costs is not limited. For all eligible costs of investment outlays, net values (without VAT) are considered. An exception applies to companies that are not VAT payers. For them, all eligible costs are recognized at gross value (i.e., invoice value with VAT).

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. 3. 2026, 5. 4. 2026, 20. 4. 2026, 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

• Public Call P1 plus 2026
• Tender Documentation P1 plus 2026
• 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 2026 – ePortal
  • Completion of the electronic application form in the ePortal
• Business/presentation plan with financial appendix:
  • 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 sheets/credit rating
  • Annual report submitted to AJPES (balance sheet, profit and loss account)
    • for the year 2024 / valid for application deadlines 20. 3., 5. 4, and 20 4. 2026 submitted to AJPES
    • for the year 2025 / valid for application deadlines from and including 20. 5. 2026 onwards submitted to AJPES
  • Form S.BON-1 consistent with the latest published financial 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. 2026, the credit rating based on the annual report for 2024 is considered
    • for application deadlines from and including 20 5. 2026 onwards, the credit rating based on the annual report for 2025 is considered
    • for companies established in 2026: BON-2 (Ajpes) and financial statements from the date of company 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 a list of participating banks here
• 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

• (02) 234 12 88
• (02) 234 12 74
• (02) 234 12 42
• (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 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 via email 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.