The purpose of the product is to directly provide favorable repayable sources of financing to micro and small enterprises in order to cover the costs of the project presented in the application for financing.

• EUR 10 million

• 23. 1. 2026 in Ur. l. RS, no. 5/2026

• From EUR 5,000 to EUR 25,000 of credit
• 100% coverage of eligible costs of business processes and/or project

The borrower may be granted a maximum of one (1) microcredit under this public tender. Companies that have obtained a loan under the P7 2025 public tender (publication of the tender: Official Gazette of the Republic of Slovenia No. 25/2025 of 11 April 2025) and/or under the P7L 2025 public tender (publication of the tender: Official Gazette of the Republic of Slovenia No. 70/2025 of 19 September 2025) are not eligible to apply for this public tender.

• Repayment period: from 2 to 5 years
• Moratorium: from 1 to 6 months /with the possibility of extension to a maximum of 1/2 of the credit maturity/
• Interest rate: 37.5% of the 6-month EURIBOR + fixed margin of 0.8%
• Credit security: 8 bills of exchange of the company
• No loan management and approval fees

• Status of micro or small enterprise with registered office in the Republic of Slovenia (sole proprietor, limited liability company, cooperative with limited liability)
• At least 1 employee for full-time employment
• Company established and operating before 1. 1. 2024
• When submitting the application, the company has been operating with the same tax number for at least six (6) months
• Credit rating from SB1 to SB7
• The company must not be in difficulty
• The company does not belong to an excluded sector
• Rules on »de minimis« state aid

• Drawing: Purposeful and in a one-time amount (no later than 45 days after credit approval)
• Method of repayment: monthly, in installments

• Tangible fixed assets (purchase of new equipment)
• Intangible fixed assets (purchase of patented rights, licenses)
• Costs of material and merchandise
• Service costs
• Labor costs (net salary, income tax, contributions, meal costs, allowance,…)
• Charged related VAT on other eligible costs

The purchase of vehicles for road transport of goods and the costs of construction, purchase and renovation of business real estate and the construction of solar power plants and/or storage facilities are not eligible costs.

Period of eligible costs: Eligible project costs may be incurred no more than 6 months before the submission of the application and 18 months after the approval of the loan.

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

Application deadline: February 13, 2026 until 14:00

Publication of the public tender in Ur. l. RS. No. 5/2026 of 23. 1. 2026:

• Public tender P7 2026
• Tender documentation P7 2026
• Special conditions for the P7 2026 tender
• Reporting instructions
• Request for loan disbursement
• Form – Authorization for signing and submitting the P7 2026 application
• Municipalities classified in the Eastern/Western cohesion region

• 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

• Fund form – ePortal
  • Completion of the electronic form »Application Form P7 2026 Microcredits 2026« in ePortal, which includes:
    • Questionnaire for determining the political exposure of a person
    • Questionnaire for determining connections with a high-risk country
    • Authorization for the needs of data verification at FURS
• Mandatory financial attachments
  • Creditworthiness certificates S.BON-1 or eS.BON (online credit rating) for companies, sole proprietors and cooperatives based on the annual report for 2024
  • Accounting statements for 2024 (balance sheet and income statement), which were submitted to AJPES
• Additional evidence:
  • Audited annual report, in the event that the borrower is legally obliged to prepare a consolidated annual report and it has not yet been published on the AJPES website

• (02) 234 12 88
• (02) 234 12 74
• (02) 234 12 64 or by e-mail: razpisi@podjetniskisklad.si

Co-financing of the Republic of Slovenia and the EU from the European Structural and Investment Funds