Loans / Microcredits

Direct SEF funding for liquid operations

Direct loans ranging from EUR 5,000 to EUR 100,000 for financing smaller investments and working capital, and for ensuring smooth and liquid operations.

Favorable loan terms
Quick and easy access to financing

Public tenders

Submit application

Microcredits

From EUR 5,000 to EUR 25,000 microloan/company

Loans for problem areas

From EUR 5,000 to EUR 100,000 loan/company

Liquidity loans

COVID-19
Floods
Energy crisis

Up to EUR 100,000 loan/company

Purpose of financing

The SEF credit scheme, including microloans, is designed to support micro, small, and medium-sized enterprises in Slovenia. The main objective of this scheme is to provide companies with access to fast, simple, and affordable financial resources, especially when companies face difficulties in obtaining traditional bank financing.

The loans are designed to support companies in carrying out smaller investments, improving working capital, and helping to mitigate the effects of crisis situations (such as energy crises or other economic problems).

Loan amounts range from EUR 5,000 to EUR 100,000, with favorable conditions (lower interest rate, longer repayment periods), which allows companies a quick and easy way to obtain financing. Such support can contribute to greater financial stability of companies, thus preserving jobs or encouraging the creation of new jobs, and promoting the growth and development of SMEs.

Financing benefits

Loan amount

From EUR 5,000 to EUR 25,000 microcredit for smaller investments/working capital or up to EUR 100,000 loan for smooth liquid operations

Lower loan security requirements

8 company bills of exchange (for loans from EUR 5,000 to EUR 25,000) and 8 company bills of exchange + personal guarantee (for loans from EUR 25,001 to EUR 100,000)

Longer loan maturity

From 2 years to 5 years for larger investments, or from 1.5 years to 5 years for working capital

Possibility of using a moratorium on loan repayment

From 1 to 6 months (with the possibility of extension up to 24 months)

Lower interest rate or interest-free loan

6-month EURIBOR + margin or fixed interest rate (depending on the individual call)

100% coverage of eligible project costs

The loan can cover 100% of the value of eligible project costs.

No loan management and approval fees

Support for smaller investments and working capital

The scheme provides loans for smaller investments or for current and liquid operations.

Smooth and liquid business operations of companies

The goal is to enable companies to maintain liquidity and smooth operations. This is especially important at a time when companies are exposed to higher costs or reduced demand due to crisis situations.

Assistance to companies that have difficulty accessing classic banking services

Companies facing limited access to conventional bank loans have the opportunity to obtain financing through the SEF, enabling better operations in cases of financial difficulties.

Mitigating crisis liquidity problems of SMEs

For companies that find themselves in crisis liquidity situations, the scheme provides urgently needed access to funds to solve these problems.

Support for specific target groups of SMEs

Financing is also intended for companies in specific target groups, such as companies in problem areas or those operating in specific industries.

Microloans from the SID Bank Fund of Funds

The microloans offered by the SEF are also part of the SID Bank Fund of Funds, which allows for even greater access to the necessary funds for smaller companies.

The aim of this financing is to promote the growth, development, stability and liquidity of companies and to improve access to financing for those SMEs that have difficulty integrating into traditional banking systems.

Simple and fast procedure for obtaining a start-up subsidy

Publication of a public tender

Companies can apply for public calls for loans, which are published in the Official Gazette of the Republic of Slovenia and on the SEF website.

Digital preparation and submission of the application

The application is submitted via the online portal (ePortal), where the company selects the application form, fills in the required fields and uploads the required attachments. The application must be submitted no later than 14:00 on the application deadline day after digital signing. With this, the application is submitted for official processing.

Application processing and issuance of a decision

For each application deadline, the SEF commission carries out the opening and review of applications. Incomplete applications can be supplemented. The applicant is sent a decision and a credit agreement for the approved application. The decision is also sent for a rejected/inadequate/disapproved application.