• Liquidity loans for micro, small and medium-sized enterprises
• A quick way to obtain favorable sources of financing for smaller investments or working capital

The purpose of the product is to directly provide fast and favorable repayable sources of financing to micro, small and medium-sized enterprises for financing current operations and smaller investments.

• EUR 20 million

19. 9. 2025 in the Official Gazette l. RS no. 70/2025

• From EUR 15,000 to EUR 100,000 loan
• 100% coverage of eligible costs of business processes and/or project

The borrower may be granted a maximum of one loan application under this public tender.

• Repayment period:
  • for loans from EUR 15,000 to EUR 50,000, the repayment period is from 2 to 5 years
  • for loans from EUR 50,001 to EUR 100,000, the repayment period is from 2 to 7 years
• Moratorium: from 1 to 6 months /with the possibility of extension up to a maximum of 24 months/
• Interest rate: fixed annual 1.8%
• Loan security:
  • 8 bills of exchange of the company for loans from EUR 15,000 to EUR 50,000
  • 8 bills of exchange of the company and personal guarantee for loans from EUR 50,001 to EUR 100,000
• No loan management and approval fees

• Status of micro, small and medium-sized enterprises 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 at least SB8
• The company must not be in difficulty
• The company does not belong to an excluded sector
• Rules on state aid »de minimis aid«

• Drawing: Purpose-bound and in a single amount (no later than 45 days from the approval of the loan)
• Method of repayment: monthly, in installments

• Tangible fixed assets (purchase of new working machinery and equipment)
• Investments in business real estate (purchase of business buildings/other business premises with appurtenant land, construction/adaptation of business buildings/other business premises, arrangement of business land);
• Intangible fixed assets (purchase of patented rights, licenses, etc.)
• Costs of material and merchandise
• Service costs
• Labor costs (net salary, income tax, contributions, meal costs, allowance,…)

• costs of purchasing or renovating road transport vehicles,
• costs of purchasing vessels for navigation on inland waters,
• costs of purchasing sea or coastal vessels,
• costs of purchasing rail vehicles,
• costs of purchasing or constructing solar power plants and/or storage facilities,
• value added tax (VAT).

State aid, according to the de minimis rule, is granted for eligible project costs incurred from 01 August 2025 to 30 November 2026.

The application is submitted electronically via the Fund’s ePortal.

Application deadline: 14 October 2025 until 2:00 PM

Publication of the public tender in the Official Gazette l. RS no. 70/2025 of 19 9. 2025:

• Public Tender P7L 2025
• Tender Documentation P7L 2025
• Special conditions for the P7L 2025 tender
• Reporting instructions
• Request for loan disbursement
• Loan security
• 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, they can add an authorized representative 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 P7L 2025 Liquidity Loan – « in the 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
• For loan security (applies to loans requested from EUR 50,001 to EUR 100,000) it is necessary to attach the appropriate documentation, namely:
  a) Loan security P7L 2025. The form is here.
  b) Statement of own assets of the personal guarantor with attachments. The form is here.
  Attachments are as follows:
  • GURS real estate appraisal or appraisal of real estate/s by an authorized contractor, prepared at least in 2024;
  • Land Registry excerpt/s for the real estate/s.
    The statement with attachments must be completed for each guarantor separately, including the owner of the company (even if the latter has no real estate property).
• Additional evidence:
  • In the case of purchasing business real estate, it is necessary to submit a real estate appraisal by an authorized contractor, prepared at least in 2024.

• (02) 234 12 88
• (02) 234 12 42
• (02) 234 12 64 or by e-mail: razpisi@podjetniskisklad.si

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