Financial line description:

  • Guarantee line is the most important financial line of the SEF, representing on average more than 80% of all approved incentives annually.
  • Guarantees to secure bank loans with an interest rate subsidy enable micro, small and medium-sized enterprises to get:
    • Faster, easier and cheaper bank loan approval for working capital or larger investments
  • A bank loan secured by an SEF guarantee is more favourable for companies due to:

    • lower insurance requirements,

    • lower interest rates,
    • longer loan maturities,
    • the possibility of using the moratorium on loan repayment
    • no approval.

P1 plus

Bank loan guarantee with interest rate subsidy

  • For easier, faster and cheaper bank loan approval

  • Up to EUR 1,250.000 loan/company for investment
  • Up to EUR 200.000 loan/company for working capital
  • 60 % or 80 % bank loan insurance with SEF guarantee
  • Favourable lending conditions

P1 COVID

COVID Bank loan guarantee with interest rate subsidy

  • For easier, faster and cheaper bank loan approval to mitigate the effects of COVID

  • Up to EUR 200.000 loan/company for working capital
  • 80% bank loan insurance with SEF guarantee
  • Favourable lending conditions

  • Faster, easier, cheaper bank loan approval

  • For working capital and major investments

  • Maintaining and creating new employment