{"id":10663,"date":"2024-09-05T10:52:02","date_gmt":"2024-09-05T08:52:02","guid":{"rendered":"https:\/\/2025.podjetniskisklad.si\/p7-2-2024-microcredits-2024\/"},"modified":"2026-01-05T10:56:48","modified_gmt":"2026-01-05T09:56:48","slug":"p7-2-2024-microcredits-2024","status":"publish","type":"post","link":"https:\/\/www.podjetniskisklad.si\/en\/p7-2-2024-microcredits-2024\/","title":{"rendered":"P7-2 2024 | Microcredits 2024"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\" id=\"informacije\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Purpose of the call<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>The purpose of the product is to directly provide <strong>favorable returnable financing sources to micro, small and medium-sized enterprises<\/strong> in order to cover the costs of business processes and\/or the project presented in the financing application.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Funds available<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><ul>\n<li>EUR 10 million<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Publication of the call for proposals<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><ul>\n<li>6. 9. 2024 in Official Gazette. l. RS, no.  74\/2024<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Amount of funding<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><ul>\n<li>From EUR 5,000 to EUR 25,000 of credit<\/li>\n<li>100% coverage of eligible costs of business processes and\/or project<\/li>\n<\/ul>\n<p>Possibility to submit 1 application.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Loan conditions<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><ul>\n<li><strong>Repayment period:<\/strong> from 2 to 5 years<\/li>\n<li><strong>Moratorium:<\/strong> from 1 to 6 months \/with the possibility of extension to a maximum of 1\/2 of the credit maturity\/<\/li>\n<li><strong>Interest rate:<\/strong> 37.5% of the 6-month EURIBOR + fixed margin of 0.8%<\/li>\n<li><strong>Credit security:<\/strong> 8 promissory notes of the company<\/li>\n<li><strong>No loan management and approval fees<\/strong><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Conditions for application<\/h2><\/div><div class=\"fusion-text fusion-text-6\"><ul>\n<li>Status of <strong>micro, small or medium-sized enterprise<\/strong> with its registered office in the Republic of Slovenia<\/li>\n<li>Organized as a company or entrepreneur under the Companies Act &#8211; ZGD-1 or a cooperative established and operating under the Cooperatives Act &#8211; ZZad <\/li>\n<li>At least 1 employee for full-time employment<\/li>\n<li>Company established and operating before 1. 1. 2023<\/li>\n<li>When submitting the application, the company has been operating with the same tax number for at least six (6) months<\/li>\n<li>The company must not be in difficulty<\/li>\n<li>The company does not belong to an excluded sector<\/li>\n<li>\u00bbde minimis\u00ab<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Eligible costs<\/h2><\/div><div class=\"fusion-text fusion-text-7\"><ul>\n<li>Tangible fixed assets (purchase of new equipment)<\/li>\n<li>Intangible fixed assets (purchase of patented rights, licenses, etc.)<\/li>\n<li>Costs of material and merchandise<\/li>\n<li>Service costs<\/li>\n<li>Labor costs (net salary, income tax, contributions, meal costs, allowance,\u2026)<\/li>\n<li>Charged related VAT on other eligible costs<\/li>\n<\/ul>\n<p>Eligible costs do not include the purchase of vehicles for road freight transport, the costs of construction, purchase and renovation of business real estate, and the construction of solar power plants.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Period of incurrence of eligible costs<\/h2><\/div><div class=\"fusion-text fusion-text-8\"><p>Eligible costs of the business process\/project may be incurred no more than 6 months before the submission of the application and 18 months after the approval of the credit.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Tender deadlines and method of submitting the application<\/h2><\/div><div class=\"fusion-text fusion-text-9\"><p>The application is submitted <strong>electronically via the Fund&#8217;s ePortal<\/strong>.<\/p>\n<p>The application can be submitted on the following application deadlines:<\/p>\n<ul>\n<li><strong>4. 10. 2024 until 14:00,<\/strong><\/li>\n<li><strong>4. 11. 2024 until 14:00,<\/strong><\/li>\n<li>or until funds are exhausted. <\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-font-size:40px;\" id=\"dokumentacija\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:40;line-height:1.2;\">Information for entrepreneurs<\/h1><\/div><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\" id=\"razpisdokumentacija\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">1. Tender and documentation<\/h2><\/div><div class=\"fusion-text fusion-text-10\" id=\"razmiki\"><p>Publication of the public tender in Ur. l. RS no. 74\/2024 of 6   9. 2024:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/P7-2-2024-JAVNI-RAZPIS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Public Call P7-2 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/P7-2-2024-RAZPISNA-DOKUMENTACIJA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tender documentation P7-2 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/PP-P7-2-2024-kon.-spr.-dir.30.8.2024.splet_.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Special conditions for the tender P7-2 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/Navodila-porocanja-P7-vir-Sklad-skladov-splet-spr.1.2-2024-.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Reporting instructions<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/Zahtevek-za-crpanje-kredita-P7-2-2024.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Request for loan disbursement<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/05\/NUTS_SKTE-2020-Sifrant-kohezijskih-regij-in-obcin_2020_se-veljaven-2024.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Municipalities classified in the Eastern\/Western cohesion region<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">2. Registration and creation of a company in the ePortal<\/h2><\/div><div class=\"fusion-text fusion-text-11\"><ul>\n<li>Before completing the application form, the applicant registers and creates a company profile<\/li>\n<li>If the applicant needs assistance in preparing the application, he can add an authorized person who is also registered on the Fund&#8217;s ePortal<\/li>\n<li>You can view the operation of the ePortal for submitting the application in the <a href=\"https:\/\/www.podjetniskisklad.si\/en\/help\/eportal\/\" target=\"_blank\" rel=\"noopener noreferrer\">presentation video<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">3. Preparation of the application<\/h2><\/div><div class=\"fusion-text fusion-text-12\"><ul>\n<li>\n<div><strong>Fund form \u2013 ePortal<\/strong><\/div>\n<ul>\n<li>Completion of the electronic form \u00bbApplication for financing P7-2 2024 \u2013 \u00ab in&nbsp;<a href=\"https:\/\/eportal.podjetniskisklad.si\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>ePortal<\/u><\/a>, which includes:\n<ul>\n<li>Questionnaire for determining the political exposure of a person<\/li>\n<li>Questionnaire for determining connections with a high-risk country<\/li>\n<li>Authorization for the needs of data verification at FURS<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><strong>Mandatory financial attachments<\/strong>\n<ul>\n<li>Creditworthiness certificates S.BON-1 or eS.BON (online credit rating) for companies, sole proprietors and cooperatives based on the annual report for 2023<\/li>\n<li>Accounting statements for 2023 (balance sheet and income statement), which were submitted to AJPES<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">4. SPS contact persons for entrepreneurs<\/h2><\/div><div class=\"fusion-text fusion-text-13\"><ul>\n<li>Boris Ritlop (02) 234 12 88<\/li>\n<li>Jasna Kepnik (02) 234 12 42<\/li>\n<li>mag. Bo\u0161tjan Vidovi\u010d (02) 234 12 64 or by e-mail: razpisi@podjetniskisklad.si <\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-min-height:no;--awb-min-height-medium:no;--awb-min-height-small:no;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:250px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"178\" height=\"116\" alt=\"EU Structural and Investment Funds logo\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27178%27%20height%3D%27116%27%20viewBox%3D%270%200%20178%20116%27%3E%3Crect%20width%3D%27178%27%20height%3D%27116%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/11\/logotipi_09.webp\" class=\"lazyload img-responsive wp-image-7112\"\/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:200px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"188\" alt=\"Logo of the fund of funds of SID Bank\" src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp\" data-orig-src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp\" class=\"lazyload img-responsive wp-image-10664\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27400%27%20height%3D%27188%27%20viewBox%3D%270%200%20400%20188%27%3E%3Crect%20width%3D%27400%27%20height%3D%27188%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1-200x94.webp 200w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp 400w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 800px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-text fusion-text-14\"><p>Co-financing of the Republic of Slovenia and the EU from the European Structural and Investment Funds<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":10631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[151,153,148],"tags":[152],"class_list":["post-10663","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-preparation","category-public-tenders","category-public-tenders-and-calls","tag-novdizajnjrjp"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P7-2 2024 | Microcredits 2024 - SEF<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.podjetniskisklad.si\/en\/p7-2-2024-microcredits-2024\/\" \/>\n<meta property=\"og:locale\" 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