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. <\/p>\n
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).<\/p>\n
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. <\/p>\n<\/div><\/div><\/div><\/div><\/div>
Financing benefits<\/h2><\/div><\/div><\/div><\/i>Loan amount<\/h3><\/div><\/div><\/div><\/div>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 <\/p>\n<\/div><\/div><\/div>
<\/i>Lower loan security requirements<\/h3><\/div><\/div><\/div><\/div>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)<\/p>\n<\/div><\/div><\/div>
<\/i>Longer loan maturity<\/h3><\/div><\/div><\/div><\/div>From 2 to 5 years for larger investments, i.e. from 1.5 years to 5 years for working capital<\/p>\n<\/div><\/div><\/div>
<\/i>Possibility of using a moratorium on loan repayment<\/h3><\/div><\/div><\/div><\/div>From 1 to 6 months (with the possibility of extension up to 24 months)<\/p>\n<\/div><\/div><\/div>
<\/i>Lower interest rate or interest-free loan<\/h3><\/div><\/div><\/div><\/div>6-month EURIBOR + margin or fixed interest rate (depending on the individual call)<\/p>\n<\/div><\/div><\/div>
<\/i>100% coverage of eligible project costs<\/h3><\/div><\/div><\/div><\/div>The loan can cover 100% of the value of eligible project costs.<\/p>\n<\/div><\/div><\/div>
<\/i>No loan management and approval fees<\/h3><\/div><\/div><\/div><\/div><\/div>1<\/p>\n<\/div><\/div><\/div>
Support for smaller investments and working capital<\/h3><\/div><\/div><\/div><\/div>The scheme provides loans for smaller investments or for current and liquid operations. <\/p>\n<\/div><\/div><\/div>
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Smooth and liquid business operations of companies<\/h3><\/div><\/div><\/div><\/div>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. <\/p>\n<\/div><\/div><\/div>
3<\/p>\n<\/div><\/div><\/div>
Assistance to companies that have difficulty accessing classic banking services<\/h3><\/div><\/div><\/div><\/div>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.<\/p>\n<\/div><\/div><\/div>
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Mitigating crisis liquidity problems of SMEs<\/h3><\/div><\/div><\/div><\/div>For companies that find themselves in crisis liquidity situations, the scheme provides urgently needed access to funds to solve these problems.<\/p>\n<\/div><\/div><\/div>
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Support for specific target groups of SMEs<\/h3><\/div><\/div><\/div><\/div>Financing is also intended for companies in specific target groups, such as companies in problem areas or those operating in specific industries.<\/p>\n<\/div><\/div><\/div>
6<\/p>\n<\/div><\/div><\/div>
Microloans from the SID Bank Fund of Funds<\/h3><\/div><\/div><\/div><\/div>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.<\/p>\n<\/div><\/div><\/div>
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.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
Simple and fast procedure for obtaining a start-up subsidy<\/h2><\/div><\/div><\/div>